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Compare loans, credit cards, fixed deposits, insurance and other financial products from banks and regulated financial institutions. Get current rates, eligibility information, calculators and expert guides to make informed financial decisions.
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Seven product families, each with rate tables, eligibility rules and guides written for the way the product actually works in India.
Personal Loans
Compare rates, eligibility, fees and lenders.
12 lenders · from 9.99%
ExploreHome Loans
Compare home-loan rates, EMIs and lenders.
from 7.15% · LTV up to 90%
ExploreBusiness Loans
Explore financing options for businesses and self-employed borrowers.
Secured, CGTMSE, Mudra & flow-based
ExploreGold Loans
Compare gold-loan rates, LTV, per-gram value and lenders.
No credit check · same-day disbursal
ExploreCredit Cards
Compare cards based on rewards, cashback, fees and benefits.
Cashback, travel, fuel, UPI & secured
ExploreFixed Deposits
Compare FD interest rates, tenure and returns.
Bank-type rate bands · DICGC ₹5 lakh
ExploreInsurance
Explore health, life, motor and other insurance options.
Health, term life & personal accident
ExploreMake Better Financial Decisions With Our Free Tools
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EMI Calculator
Monthly instalment, total interest and the full amortisation schedule for any loan.
OpenLoan Eligibility Calculator
What your income and existing EMIs actually support, before a lender pulls your file.
OpenLoan Comparison
Put lenders side by side on rate, fees, tenure and total cost — not just the headline rate.
OpenGold Loan Calculator
Per-gram advance, EMI and the LTV tier your pledge falls into at today’s rate.
OpenFD Calculator
Maturity value and effective yield across tenors, with senior-citizen premiums.
OpenPopular Financial Products in India
Indicative pricing across the seven families, drawn from the same lender data the detail pages use. Switch tabs to compare — nothing here is a paid placement.
Indicative unsecured personal-loan pricing at major banks and NBFCs. Your own quote depends on credit score, income and employer category.
| Lender | Interest rate | Loan amount | Tenure |
|---|---|---|---|
| HDFC Bank | 9.99%–24% | Up to ₹50 lakh | 1–6 years |
| State Bank of India | 10%–15% | Up to ₹35 lakh | up to 6–7 years |
| ICICI Bank | 9.99%–16.5% | Up to ₹50 lakh | Up to 72 months |
| Axis Bank | 9.99%–22% | Up to ₹50 lakh | Up to 84 months |
| Kotak Mahindra Bank | from 10.99% | Up to ₹1 crore | Up to 6 years |
| Bajaj Finserv | 10%–30.5% | Up to ₹55 lakh | 1–8 years |
All rates are indicative and change without notice. Your own offer depends on your profile — confirm the final figure with the institution before you commit.
View all personal loansFloating home-loan rates start here for salaried borrowers with strong credit; the rate you are offered moves with your score, LTV band and loan size.
| Lender | Rate from | RBI LTV cap | Typical tenure |
|---|---|---|---|
| SBI | 7.25% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| HDFC Bank | 7.75% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| ICICI Bank | 8.5% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| Bank of Baroda | 7.2% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| PNB | 7.25% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| Axis Bank | 8% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
All rates are indicative and change without notice. Your own offer depends on your profile — confirm the final figure with the institution before you commit.
View all home loansGold-loan pricing is set by scheme and repayment structure rather than by your credit score — no CIBIL check applies on a pledge.
| Lender | Interest rate | Loan amount | Tenure |
|---|---|---|---|
| SBI | 8.75%–9.6% | ₹20,000 – ₹50 lakh | up to 36 months |
| PNB | 8.75%–9.25% | ₹25,000 – ₹25 lakh | up to 12 months |
| Bank of Baroda | 9%–9.4% | ₹25,000 – ₹50 lakh | up to 36 months |
| Canara Bank | 9%–9.25% | ₹10,000 – ₹35 lakh | up to 12 months; agri variants longer |
| HDFC Bank | 9.3%–17.9% | ₹25,000 – ₹1 crore+ | 3–42 months |
| ICICI Bank | 9.25%–18% | ₹50,000 – ₹1 crore | 6–12 months |
All rates are indicative and change without notice. Your own offer depends on your profile — confirm the final figure with the institution before you commit.
View all gold loansMSME credit is priced by structure, not by lender brand. The spread between a secured bank facility and flow-based fintech credit is the widest in Indian lending.
| Facility | Interest rate | Collateral | Ticket size |
|---|---|---|---|
| Bank secured term / working capital | 9–14% | Property, FD or stock | ₹10 lakh – 50 crore |
| CGTMSE-covered bank loan | 10–15% + guarantee fee | None (guarantee) | Up to ₹5 crore |
| Mudra (Shishu → Tarun Plus) | 9–13% | None | ₹50,000 – 20 lakh |
| Loan against property (LAP) | 9–13% | Property | ₹10 lakh – 5 crore |
| NBFC unsecured business loan | 15–24% | None | ₹2 – 75 lakh |
| Fintech flow-based credit | 18–32% | None (GST/banking data) | ₹50,000 – 25 lakh |
All rates are indicative and change without notice. Your own offer depends on your profile — confirm the final figure with the institution before you commit.
View all business loansCards are chosen by where your money actually goes, not by rank. Reward value only survives if the bill is cleared in full — revolving at 30–45% erases any category in one month.
| Card type | Typical reward rate | Typical annual fee | Best for |
|---|---|---|---|
| Entry-level / first card | 0.5–1.25% | ₹0–500, often lifetime-free | New-to-credit and salary-account holders |
| Flat cashback | 1.5–2% on everything | ₹0–999 | Spending you do not want to track by category |
| Online / co-brand | Up to 5% on partner spends | ₹500–1,000 | Amazon- or Flipkart-heavy households |
| Travel & lounge | 1–2% base, ~3.5% on travel | ₹1,000–5,999 | ₹1–8 lakh a year of routed spend |
| Fuel | 4–7% on fuel, 1% elsewhere | ₹500, usually waivable | Daily commuters |
| RuPay, UPI-linked | 1–2% on UPI QR spends | Free to low-fee | Kirana, chemist and QR-code spending |
| Secured against an FD | 1–2% | ₹0–500 | Building a score with no income proof |
All rates are indicative and change without notice. Your own offer depends on your profile — confirm the final figure with the institution before you commit.
View all credit cardsThe gap between the lowest and highest FD rate open to the same saver on the same day routinely exceeds 1.5 percentage points. Deposit insurance is ₹5 lakh per bank, per depositor, everywhere.
| Institution type | 1-year | 2–3 years | 5 years |
|---|---|---|---|
| Large PSU banks | 6.25–6.90% | 6.50–7.00% | 6.25–6.75% |
| Large private banks | 6.60–7.10% | 6.75–7.25% | 6.50–7.00% |
| Small finance banks | 7.25–8.00% | 7.50–8.25% | 7.00–7.75% |
Senior citizens typically earn 0.25–0.75% above these bands. All figures indicative — verify at the bank before booking.
View all FD ratesIndicative annual premiums for healthy applicants buying online. Your own quote moves with age, city, medical history and declared occupation.
| Cover | Profile | Sum assured | Indicative premium/yr |
|---|---|---|---|
| Health | Individual, 25–30 | ₹10 lakh | ₹8,000–14,000 |
| Health | Family floater, 2A+1C (~32) | ₹10 lakh | ₹18,000–28,000 |
| Super top-up | Any of the above | +₹90 lakh over ₹10L | ₹4,000–8,000 |
| Term life | Non-smoker, age 30 | ₹1 crore | ₹11,000–16,000 |
| Term life | Non-smoker, age 40 | ₹1 crore | ₹22,000–32,000 |
| Personal accident | Earning adult | ₹50 lakh | ₹3,000–6,000 |
All rates are indicative and change without notice. Your own offer depends on your profile — confirm the final figure with the institution before you commit.
View all insurance guidesInstant Loan Apps, Compared
Digital lenders reviewed on rate, ticket size, fees and user experience — with the lending entity named for each, because an app that will not name its NBFC is the clearest warning sign in Indian digital lending.
| App | Max Loan | Interest Rate | Speed | Rating | Action |
|---|---|---|---|---|---|
HDFC Bank Pre-approved Personal Loan (Insta) bankHDFC Bank Limited (scheduled private sector bank) | ₹50L | 9.99% – 24.00% p.a. | 10 seconds for pre-approved customers | 4 | Apply Now |
KreditBee fintechKrazyBee Services Limited (NBFC) plus partner lenders: Northern Arc Capital, MAS Financial Services, PayU Finance India, Kisetsu Saison Finance, Piramal Finance, Cholamandalam, Mirae Asset Financial S | ₹10L | 12.00% – 28.50% p.a. | Within 10 minutes | 4.5 | Apply Now |
ICICI Bank Personal Loan bankICICI Bank Limited (scheduled private sector bank) | ₹50L | 9.99% – 16.50% p.a. | Within 3 seconds for pre-approved | 4 | Apply Now |
mPokket fintechmPokket Financial Services Private Limited (NBFC; LSP/app owner: Maybright Ventures Private Limited) | ₹2L | 22.00% – 36.00% p.a. | Within minutes | 4.4 | Apply Now |
Stashfin fintechAkara Capital Advisors Private Limited (NBFC); co-lending partners Cholamandalam Investment and Finance Co Ltd, Northern Arc Capital Ltd, Oxyzo Financial Services Pvt Ltd | ₹5L | 11.99% – 59.99% p.a. | Within minutes | 4.2 | Apply Now |
Gold Rates & Gold Loans
The gold rate sets two numbers at once: what jewellery is worth, and how much it can borrow. Both update here daily — last revised 9 October 2026.
Gold Rate Today
Indicative national reference, ₹ per gram.
30-day trend: down ₹386 per gram (−2.5%) on 24K. At the RBI small-ticket cap, 22K jewellery currently supports about ₹10,266 of loan per gram.
City references today: Delhi ₹14,958 · Mumbai ₹14,943 · Chennai ₹15,033 · Kolkata ₹14,948
Gold Loan
No credit check, no income proof, same-day disbursal — and rates that start far below any unsecured loan.
- Gold loan interest rates
- Gold loan per gram value
- Gold loan eligibility
- Gold loan EMI calculator
- Loan amount calculator
- All gold loan lenders
Bank or NBFC? Banks price lower — roughly 8.65%–9.6% at the PSU end — but appraise on branch hours and lend on stricter purity rules. NBFCs cost more and move faster, with longer counters and doorstep pledging. The gold loan hub puts every lender's band, LTV tier and repayment structure side by side.
BankCreds Research
Research & Data
Original analysis of official data from the RBI and MoSPI — gold prices, inflation, loan rates — with every calculation documented and every report available as a PDF.
Methodology · Cite or reuse our research · Historical data for information only — not investment advice.
Latest Financial News & Updates
Rate moves, regulatory changes and lender news, written for people deciding what to do with their own money rather than for the trading desk.
The latest across every money category we track.
12:10 AM · 10 Oct 2026 Bandhan Bank CEO Says Microcredit Is Business Credit: What It Means for Small Borrowers Bandhan Bank's CEO says microcredit should count as business credit, not a personal loan, as reported by Business Standard. Here's what that could mean for small borrowers. 
11:10 PM · 9 Oct 2026 Choosing a Credit Card for Daily Spending: Match Rewards to Your Habits, Forbes Says Forbes explains how to pick a credit card for everyday purchases. Here's what it means for Indian cardholders, with a simple rupee example and a checklist. 10:11 PM · 9 Oct 2026 Muthoot Microfin CEO Warns Lasting Food Inflation Could Squeeze Microfinance Borrowers' Budgets A Muthoot Microfin chief says long-running food price rises are a risk to borrower budgets, as reported. Here's what it means for small-loan households and how to prepare. 
9:10 PM · 9 Oct 2026 CEA Urges Overhaul of MSME Loan Norms and Timely Payments: What Small Borrowers Should Know India's chief economic adviser wants MSME loan rules reworked and bills paid on time, as reported. Nothing changes today, but small business owners should prepare. Gold prices, per-gram loan values, lender rates and RBI rules for gold lending.
6:11 PM · 9 Oct 2026 18K vs 22K vs 24K Gold on October 9: Which Purity Gives You the Bigger Loan? Mathrubhumi English has listed October 9 gold rates for 18K, 22K and 24K in major Indian cities. Here's what the rates mean if you buy, sell or pledge gold. 
6:10 PM · 8 Oct 2026 Gold Loan Demand Rises as Indian Households Borrow Against Jewellery: What Borrowers Should Check LiveChennai reports gold loans are rising as households change how they borrow. Here is what that means in rupees, and what to verify before pledging your jewellery. 12:10 AM · 8 Oct 2026 Bajaj Finance Gold Loan Application: Documents, Eligibility and Steps Borrowers Should Know ThePrint has published a walkthrough of applying for a Bajaj Finance gold loan. Here is what to keep ready, how gold loan limits work, and what the loan really costs. 12:11 AM · 7 Oct 2026 Gold Forecast on October 7: Fed Hike Fallout and Rupee Rates, What Gold Loan Borrowers Should Do CoinDCX's October 7 gold forecast points to Fed-hike fallout and rupee rates. Here is how that can reach gold prices and gold loans, and what borrowers should check this week. Rates, festive offers, credit-score shifts and unsecured-lending news.
12:10 AM · 10 Oct 2026 Bandhan Bank CEO Says Microcredit Is Business Credit: What It Means for Small Borrowers Bandhan Bank's CEO says microcredit should count as business credit, not a personal loan, as reported by Business Standard. Here's what that could mean for small borrowers. 6:10 PM · 7 Oct 2026 Choosing a Quick-Approval Personal Loan App in India: What a Top-10 List Won't Tell You Moneycontrol.com has published a 2026 guide to quick-approval personal loan apps. Here is how to judge any such list: the real cost, RBI safeguards and the checks to run before you borrow. 1:10 AM · 6 Oct 2026 Digital Personal Loans Are Expanding: How to Review an Instant Loan Before You Apply News9live reports digital personal loans are expanding and urges borrowers to review instant loans first. Here is a practical checklist on cost, lender checks and repayment before you apply. 7:10 PM · 5 Oct 2026 RBI MPC Meeting Begins October 5: What It Could Mean for Your Home and Personal Loan EMI The RBI's rate-setting panel began its meeting on October 5, per News24Online. Here is how a repo rate decision reaches home loan and personal loan EMIs, with worked examples. Repo-linked rates, EMIs, balance transfers and housing-finance news.
8:10 PM · 9 Oct 2026 RBI Raises Repo Rate for First Time in 3 Years: Home Loan EMIs Set to Rise, FD Rates May Follow RBI has raised its key rate for the first time in three years, per ABP Live English. Floating-rate EMIs may rise and FD rates may follow. 7:11 PM · 9 Oct 2026 Higher Home Loan EMI After RBI's Rate Rise? Prepay, Renegotiate or Switch Lenders The latest RBI repo rate increase can raise your home loan cost. Here's how floating-rate borrowers can limit the damage with prepayment, a rate check or a loan transfer. 11:11 AM · 9 Oct 2026 NRI Selling Indian Property to Buy a Bigger Home: How Capital Gains Tax Works NRIs who sell a home in India and buy a bigger one may cut or avoid tax on the profit. Here's how the rules work, with a rupee example and a simple checklist. 9:11 AM · 9 Oct 2026 Buying a Flat From an NRI: TDS Checklist for Buyers From October 1 Moneycontrol.com reports new dos and don'ts for buying from an NRI from October 1. Here's the tax checklist to follow before you pay. MSME credit, government schemes, working capital and SME lending news.
9:10 PM · 9 Oct 2026 CEA Urges Overhaul of MSME Loan Norms and Timely Payments: What Small Borrowers Should Know India's chief economic adviser wants MSME loan rules reworked and bills paid on time, as reported. Nothing changes today, but small business owners should prepare. 12:10 PM · 9 Oct 2026 NeoGrowth Raises $8.78M From FMO and LeapFrog: What It Means for Small Business Loans NeoGrowth has reportedly raised $8.78M from FMO and LeapFrog to grow its MSME lending. Here's what that may mean if you run a small business and need credit. 10:10 AM · 2 Oct 2026 MSME Government Schemes vs Regular Business Loans: How Small Firms Should Choose DNA India reports on MSME schemes versus normal business loans. Here is how scheme-backed credit differs from ordinary loans in cost, collateral and paperwork, and how a small owner should choose. 1:13 AM · 29 Sept 2026 MSME Amendment Bill 2026: New Loan, Registration and Payment Rules for Small Firms Business Upturn reports an MSME Amendment Bill 2026 affecting small business loans and registration; here's what current rules mean for borrowers while details await confirmation. Digital lending rules, loan apps, disbursal norms and borrower protection.
10:11 PM · 9 Oct 2026 Muthoot Microfin CEO Warns Lasting Food Inflation Could Squeeze Microfinance Borrowers' Budgets A Muthoot Microfin chief says long-running food price rises are a risk to borrower budgets, as reported. Here's what it means for small-loan households and how to prepare. 10:10 AM · 7 Oct 2026 Moneyboxx Finance Enters Middle Layer NBFC After ₹1,000 Crore Assets: What Borrowers Should Know Moneyboxx Finance has reportedly crossed ₹1,000 crore in assets and moved into RBI's Middle Layer for NBFCs. Here is what that does and does not change for borrowers. 
2:10 AM · 7 Oct 2026 Gold Loans Surge 69% as NBFC Retail Credit Growth Hits 22%: What Borrowers Should Know Gold loans have jumped 69% while NBFC retail credit growth has quickened to 22%, per Zee Business citing RBI. Here is what it means if you borrow against gold or compare lenders. 10:11 PM · 6 Oct 2026 Govt Urges Banks to Lend Digitally to Micro Businesses, Backs UPI Credit Lines: What It Means The government has asked banks to expand digital lending to micro businesses and push UPI credit lines. Here is what small shopkeepers and self-employed borrowers should do, and what to ignore. Card fees, reward changes, RBI card rules and issuer news.
11:10 PM · 9 Oct 2026 Choosing a Credit Card for Daily Spending: Match Rewards to Your Habits, Forbes Says Forbes explains how to pick a credit card for everyday purchases. Here's what it means for Indian cardholders, with a simple rupee example and a checklist. 3:11 AM · 9 Oct 2026 Retired and Thinking of a Credit Card? Five Safety Checks Before You Apply in India Forbes ranked credit cards for seniors and retirees for 2026. Here's a simple safety check for Indian retirees, with easy numbers on fees, rewards and interest. 11:10 PM · 8 Oct 2026 Forbes Lists Best Credit Cards for Self-Employed in 2026: How Indian Freelancers Can Pick Forbes has ranked the best credit cards for freelancers and the self-employed in 2026. Here's how to judge any card for your own income and spending. 10:10 PM · 8 Oct 2026 Five FD-Backed Credit Cards Offer a 100% Limit: What It Means for Savers Trade Brains reports five FD-backed credit cards giving a limit equal to your deposit. Here's how they work, what they cost and who should use one. FD rate changes, special schemes, small savings and deposit news.
3:10 PM · 9 Oct 2026 China USD Deposit Rates at Foreign Banks Rise Above 4%: What Indian Savers Should Know Foreign banks in China now pay over 4% on onshore dollar deposits, up more than one point this year. Here's what that means for Indian savers. 2:11 PM · 9 Oct 2026 SBI FD or RD? How to Choose After Upstox's October Rate Report and RBI Policy Link Upstox has reported SBI's October 2026 FD and RD rates and the RBI policy link. Here's how to decide between a lump-sum FD and a monthly RD. 5:10 AM · 9 Oct 2026 SBI Says FD Rates Unlikely to Rise for Up to 3 Months: What Savers Should Do SBI's chairman says deposit rates may not go up for up to three months, as reported. Here's what that means for your fixed deposit plans. 4:10 AM · 9 Oct 2026 FD Rates Up 5-25 bps: What Extra You Earn on ₹1 Lakh to ₹10 Lakh Deposits A rate gain of 5 to 25 basis points on a fixed deposit adds ₹50 to ₹2,500 a year on ₹1-10 lakh. Here's the simple math and what to do. Health and life insurance news, IRDAI rules and premium trends.
4:10 PM · 9 Oct 2026 Health Insurance Co-Pay of 10% May Raise Your Bill Share to 15-19% Business Standard reports a 10% co-pay could push patients' real share of hospital bills to 15-19%. Here's what that may cost you and what to do. 7:10 AM · 9 Oct 2026 GST Reform Lets Employers Claim Credit on Staff Health, Life Cover: What It Means for You Employers can reportedly claim input tax credit on GST paid for staff health and life insurance. Here's how it works and what it means for your job cover. 6:10 AM · 9 Oct 2026 Insurance Market Face-Off Explained: What a Bigger Long-Term Prize Means for You Asian Business Review asks which market holds the bigger long-term insurance prize. Here's what that race means for the cover you buy, what you pay and how to choose well. 4:10 PM · 8 Oct 2026 Insurance Brokers Flag 10 Lakh Jobs at Risk From IRDAI Reform: What Policyholders Should Know The Insurance Brokers Association of India has reportedly warned the PM that an IRDAI reform could put 10 lakh jobs at risk. Here is what that means for people who buy or renew cover. Gold, rates, the rupee and everything else moving household money.
5:10 PM · 9 Oct 2026 Rupee Rises 5 Paise to ₹96.73 on October 9: What Cheaper Crude Means for You The rupee closed 5 paise higher at ₹96.73 per dollar as crude oil eased, per CNBC TV18. Here's what the small gain means for your money. 
8:11 AM · 9 Oct 2026 Loans Get Costlier Before Deposits Pay More: What the Latest RBI Hike Means for Your EMI The RBI has raised the repo rate, per Upstox. Floating-rate EMIs may rise first, while FD rates can lag. Here's what to check and what to do. 5:10 PM · 8 Oct 2026 Bank Deposits Now Appear in Your CAS: What Savers Will See and What Could Still Be Missing Bank deposits are being brought into the consolidated account statement, per Business Standard. Here is what that means for savers, and the gaps worth checking. 8:11 AM · 8 Oct 2026 RBI Sees Current Account Pressure as Temporary: What It Means for Loans and Savings As reported by Business Standard, the RBI MPC meet heard that current account pressure is a temporary problem. Here is what that signal means for EMIs, FDs and your money decisions. Why Borrowers & Savers Use BankCreds
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