Compare, Understand & Choose the Right Financial Products
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.
What are you looking for?
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 10.05%
ExploreHome Loans
Compare home-loan rates, EMIs and lenders.
from 7.35% · 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
Run the arithmetic before a lender does. Every tool is free, needs no sign-up, and shows its working.
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 | 10.25%–21% | Up to ₹40 lakh | 1–6 years |
| State Bank of India | 10.05%–15.05% | Up to ₹35 lakh | up to 6–7 years |
| ICICI Bank | 10.6%–16.5% | Up to ₹50 lakh | 1–6 years |
| Axis Bank | 10.49%–22% | Up to ₹40 lakh | 1–5 years |
| Kotak Mahindra Bank | 10.75%–24% | Up to ₹35 lakh | 1–6 years |
| Bajaj Finserv | 11%–32% | 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 | 7.35% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| HDFC Bank | 7.4% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| ICICI Bank | 7.45% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| Bank of Baroda | 7.4% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| PNB | 7.45% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| Axis Bank | 7.5% | 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 Insta Loan bank | ₹40L | 9.99% – 24.00% p.a. | 10 seconds for pre-approved customers | 4 | Apply Now |
KreditBee fintechNBFC lending partners | ₹10L | 12.00% – 28.50% p.a. | Within 10 minutes | 4.5 | Apply Now |
mPokket fintechNBFC partners | ₹2L | 22.00% – 36.00% p.a. | Within minutes | 4.4 | Apply Now |
ICICI Bank Personal Loan bank | ₹50L | 9.99% – 24.00% p.a. | Within 3 seconds for pre-approved | 4 | Apply Now |
Stashfin fintechNBFC partners | ₹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 15 September 2026.
Gold Rate Today
Indicative national reference, ₹ per gram.
30-day trend: up ₹132 per gram (+0.9%) on 24K. At the RBI small-ticket cap, 22K jewellery currently supports about ₹10,367 of loan per gram.
City references today: Delhi ₹15,105 · Mumbai ₹15,090 · Chennai ₹15,180 · Kolkata ₹15,095
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.
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.
Gold prices, per-gram loan values, lender rates and RBI rules for gold lending.
Rates, festive offers, credit-score shifts and unsecured-lending news.
Repo-linked rates, EMIs, balance transfers and housing-finance news.
MSME credit, government schemes, working capital and SME lending news.
Digital lending rules, loan apps, disbursal norms and borrower protection.
Card fees, reward changes, RBI card rules and issuer news.
FD rate changes, special schemes, small savings and deposit news.
Health and life insurance news, IRDAI rules and premium trends.
Gold, rates, the rupee and everything else moving household money.
Why Borrowers & Savers Use BankCreds
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Independent Comparisons
Compare products across banks and regulated financial institutions. No lender pays for a better position in a table.
Transparent Information
Rates, fees, eligibility and the terms that decide a sanction — including the ones lenders bury in the schedule of charges.
Updated Data
Rates and product information are reviewed and refreshed regularly; the gold rate updates daily.
Expert Reviewed
Every guide is researched, fact-checked and updated by the BankCreds content team before it publishes.
Free Tools & Guides
Calculators, comparisons and explainers at no cost, with no sign-up required to use any of them.
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Start with the number, not the advertisement
Run your EMI and eligibility first — borrowers who arrive prepared get quoted differently.