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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
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 | 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 26 October 2026.
Gold Rate Today
Indicative national reference, ₹ per gram.
30-day trend: down ₹1,040 per gram (−6.8%) on 24K. At the RBI small-ticket cap, 22K jewellery currently supports about ₹9,735 of loan per gram.
City references today: Delhi ₹14,186 · Mumbai ₹14,171 · Chennai ₹14,261 · Kolkata ₹14,176
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 · 27 Oct 2026 Manappuram, Muthoot Shares Jump 8% on October 27 After Gold Duty Hike: Loan Impact Gold loan stocks rallied about 8% after a gold duty hike, as reported. Here's what it means, and doesn't mean, for your gold loan. 
11:11 PM · 26 Oct 2026 Lifestyle Diseases Rise Among Young Indians: Why Buying Health Cover Early Pays Off Healthshots reports lifestyle diseases are hitting younger Indians. Here's what that means for your health insurance, your premium and the best time to buy cover. 9:10 PM · 26 Oct 2026 Report Sees India's Health Insurance Market Growing to 2034: What It Means for You A market report on openPR.com looks at India's health insurance sector from 2026 to 2034. Here's what it means for your own cover and your savings. 
8:10 PM · 26 Oct 2026 Everyday Cashback Credit Cards: Check Your Net Gain After Fees, Not the Headline Rate A report asks which credit card gives the best cashback on daily spends. Here's how to judge cashback in rupees, after fees and interest. Gold prices, per-gram loan values, lender rates and RBI rules for gold lending.
12:10 AM · 27 Oct 2026 Manappuram, Muthoot Shares Jump 8% on October 27 After Gold Duty Hike: Loan Impact Gold loan stocks rallied about 8% after a gold duty hike, as reported. Here's what it means, and doesn't mean, for your gold loan. 
6:10 PM · 26 Oct 2026 Gold Price Slips Under Pressure Before Dhanteras: What Buyers and Gold Loan Holders Should Do Livemint reports gold is under pressure ahead of Dhanteras and Diwali. Here's what a softer price means if you plan to buy gold or already have a gold loan. 
9:10 AM · 26 Oct 2026 Shriram Finance Targets ₹20,000 Crore Gold Loans: What Borrowers Should Know Shriram Finance is aiming for a ₹20,000 crore gold loan book, as reported. Here's what more competition could mean for you and how to compare offers. 6:10 PM · 24 Oct 2026 Gold Loan Defaults Rise as Lending Boom Grows: What Borrowers Should Do to Keep Their Gold Late payments on gold loans are climbing, as reported. Here's what that means for you and how to borrow against gold without risking your jewellery. Rates, festive offers, credit-score shifts and unsecured-lending news.
9:10 AM · 25 Oct 2026 Planning a Home Loan? Tidy Your Credit Report First, Experts Tell Livemint Livemint reports experts say a stronger credit score can help you get a lower home loan rate. Here's a pre-application plan and what a small rate gap costs. 1:10 AM · 24 Oct 2026 Free Online Credit Report Check: Spot Errors Before You Apply for a Loan As reported by oneworldnews.com, you can check your credit score online for free. Here's how to read your report and fix mistakes before you borrow. 7:10 PM · 23 Oct 2026 Bajaj Finance Personal Loan for Diwali 2026 Shopping: Check the Full Cost First Bajaj Finance is promoting a personal loan for Diwali 2026 shopping, as reported by LatestLY. Here's what it really costs and how to borrow wisely. 7:10 PM · 22 Oct 2026 A Higher Credit Score May Cut Your Existing Loan Rate: What Borrowers Can Ask Their Lender Moneycontrol.com reports that a better credit score may help lower the cost of a loan you already have. Here's how to ask, what it can save, and what to avoid. Repo-linked rates, EMIs, balance transfers and housing-finance news.
10:10 AM · 26 Oct 2026 Higher Repo Rate Ends Cheap Debt: What It Means for Your Home Loan EMI and Savings A higher repo rate, as reported by The Goan, signals the end of cheap borrowing. Here's how it can change your EMI, your fixed deposits and your next money moves. 
8:11 PM · 23 Oct 2026 Add ₹5,000 to Your EMI and a ₹20 Lakh Loan Ends Years Sooner Paying ₹5,000 more each month on a ₹20 lakh home loan can cut years off the loan and save lakhs in interest. Here's how it works. 8:11 PM · 22 Oct 2026 RBI Rate Hike Pushes Home Loan EMIs Up: 5 Ways to Manage the Cost The RBI has raised its key rate, which can make floating-rate home loan EMIs costlier. Here's how it reaches you and five steps to limit the damage. 11:10 AM · 22 Oct 2026 Home Loan EMI May Stay Flat While Your Tenure Grows Longer: What Borrowers Should Check Your home loan EMI may not rise when rates do, but your loan could run for more months. Here's what that costs, who it hits and what to do. MSME credit, government schemes, working capital and SME lending news.
7:10 PM · 24 Oct 2026 Account Aggregator Speeds Up Instant Business Loans: What Small Owners Gain Lenders are using Account Aggregator to read bank data with your consent. Here's what faster business loan approvals mean for you, and what they don't. 3:10 AM · 17 Oct 2026 UP Women Entrepreneur Credit Scheme Offers ₹1 Lakh Business Loan: What Women Should Know Uttar Pradesh's credit scheme for women entrepreneurs offers a ₹1 lakh business loan, per Newstrack English. Here's how to prepare, what to check and how to plan repayment. 9:10 PM · 16 Oct 2026 Sharing Bank Data Makes Business Loan Approval 3x More Likely: What Borrowers Should Know A study reported by The Times of India says borrowers who share bank data are far likelier to get business loans. Here's what that means for you. 
1:10 AM · 14 Oct 2026 Short-Term Business Loans: How to Compare Lenders and Cut Your Borrowing Cost A Forbes lender comparison puts short-term business loans in focus. Here's how Indian owners can judge the true cost and pick the right offer. Digital lending rules, loan apps, disbursal norms and borrower protection.
9:10 PM · 23 Oct 2026 India's Digital Lending Year in Review: What Borrowers Should Know Before Taking an App Loan Analytics Insight looks back at a year of digital lending in India. Here's what it means for you, plus a simple checklist before you take an app loan. 
8:10 PM · 15 Oct 2026 RBI Account Aggregator Reform Eases Data Sharing: What It Could Mean for Your Digital Loan RBI's Account Aggregator interoperability reform could make sharing your bank data for loans simpler. Here's what it may change for you and what to do now. 10:10 AM · 12 Oct 2026 Loan App Checks Before You Tap Apply: What Borrowers Should Verify First The Economic Times reports borrowers should pause before applying on loan apps. Here's a simple checklist on lender, cost and permissions to avoid regret. 10:10 PM · 10 Oct 2026 Fake Loan Apps Steal Data and Cheat Users, J&K Police Warn: How to Spot Them J&K Police have warned that fake loan apps steal data and defraud users, as reported by Greater Kashmir. Here's how to spot them and stay safe. Card fees, reward changes, RBI card rules and issuer news.
8:10 PM · 26 Oct 2026 Everyday Cashback Credit Cards: Check Your Net Gain After Fees, Not the Headline Rate A report asks which credit card gives the best cashback on daily spends. Here's how to judge cashback in rupees, after fees and interest. 
11:11 AM · 26 Oct 2026 Paying a Yearly Card Fee? Do This Five-Minute Sum Before Your Renewal Date Your card's yearly fee is due soon. Here's a quick sum to see if your rewards cover it, so you can renew, negotiate or switch. 12:10 PM · 25 Oct 2026 IndusInd Tiger vs Union Bank Unicorn Cards Compared: Which Perks Fit You? Trade Brains compared two credit cards on rewards, lounge access and lifestyle perks. Here's how to judge which card suits your own spending. 11:10 PM · 24 Oct 2026 Marriott Bonvoy Prestige Samsung Card Launches in Korea: What Indian Cardholders Can Learn A hotel brand and Samsung Card have launched a premium travel card in Korea. You can't apply from India, but it's a good prompt to check if your own travel card pays off. FD rate changes, special schemes, small savings and deposit news.
7:11 PM · 26 Oct 2026 Four Big Banks Reset Fixed Deposit Rates: How to Compare Before You Book ICICI Bank, Indian Bank, SBI and HDFC Bank have revised their fixed deposit rates, as reported. Here's how to check what it means for your savings. 12:10 PM · 26 Oct 2026 Bajaj Finance Fixed Deposits Draw Attention: What Savers Should Weigh Before Locking In The Tribune looked at returns and risks of Bajaj Finance fixed deposits. Here's what Indian savers should check on rate, safety, tenure and tax before investing. 9:11 PM · 25 Oct 2026 Indian Bank's Higher Special FD Rates: A Saver's Guide to Choosing Between Two Lock-in Periods Indian Bank has raised rates on its 555-day and 777-day special FDs, as reported. Here's how to choose between the two lock-in periods before you book. 6:10 AM · 25 Oct 2026 FD Rates Rise Up to 8.35%: How Small Finance Banks, NBFCs and Big Banks Compare for Savers FD rates now go up to 8.35%, as reported by Business Today. Here's how small finance banks, NBFCs and big banks differ, and how to pick safely. Health and life insurance news, IRDAI rules and premium trends.
11:11 PM · 26 Oct 2026 Lifestyle Diseases Rise Among Young Indians: Why Buying Health Cover Early Pays Off Healthshots reports lifestyle diseases are hitting younger Indians. Here's what that means for your health insurance, your premium and the best time to buy cover. 9:10 PM · 26 Oct 2026 Report Sees India's Health Insurance Market Growing to 2034: What It Means for You A market report on openPR.com looks at India's health insurance sector from 2026 to 2034. Here's what it means for your own cover and your savings. 4:10 PM · 26 Oct 2026 Insurtechs Warn IRDAI Reforms Could Cut Their Revenue 70%: What Policy Buyers Should Know Online insurance sellers say new IRDAI reforms could cut their revenue by 70%, as reported by Inc42. Here's what it could mean for your premiums and your choices. 7:11 AM · 26 Oct 2026 Five Hidden Limits in Your Mediclaim Policy: A Fine-Print Checklist Before You Need It The Economic Times reports five policy gaps that can leave you paying more at claim time. Here's a simple checklist to find them in your own mediclaim policy. Gold, rates, the rupee and everything else moving household money.
5:10 PM · 26 Oct 2026 Sensex Rises 500 Points on October 26, Pharma Leads: What It Means for Your Savings Markets bounced back today, with the Sensex up about 500 points and the Nifty above 22,750. Here's what it means for your SIPs, savings and loans. 8:10 AM · 26 Oct 2026 Lifestyle Inflation Eats Raises: How to Enjoy Life and Still Save More Spending often rises as pay rises, so savings stay flat. Here's a simple way to enjoy life and still protect your money goals, with a worked example. 5:10 AM · 26 Oct 2026 RBI's Rupee Defence Faces Questions: What a Weak Rupee Means for Your EMI and Savings A report asks if RBI is running short of tools to defend the rupee. Here's what that could mean for your loan EMI, prices and savings. 2:10 AM · 26 Oct 2026 Banks Seek Relief From Sustainable Lending Norms on FCNR(B) Loans: What It Means for You Banks want an easier path on sustainable lending rules for FCNR(B) loans, as reported. Nothing has changed yet for savers or borrowers. Here's what to watch. Why Borrowers & Savers Use BankCreds
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Start with the number, not the advertisement
Run your EMI and eligibility first — borrowers who arrive prepared get quoted differently.