Who We Are
BankCreds.com is an independent comparison and research platform for Indian household finance. We started with instant personal loans. We now cover the borrowing and saving decisions Indian households actually make — personal loans, home loans, business loans and gold loans, alongside daily gold rates, credit cards, fixed deposits and insurance.
BankCreds is not a lender. We do not disburse loans, hold customer funds, or charge borrowers any fees. Our role is to bring transparency to a fragmented market and help you make an informed choice.
Our Mission
Most Indians borrow without comparing. Not because they don't care about the rate, but because the information is scattered across lender sites, app stores and sales calls — and the number that matters, what the loan actually costs over its life, is rarely the number being advertised.
We believe every borrower deserves to see all their options before signing: interest rates, processing fees, eligibility criteria, disbursal speed and repayment terms, laid out in plain language. That principle now extends past loans to any product where the advertised figure and the real cost tend to diverge.
What We Cover
- Loans — personal, home, business and gold, with comparison tables covering more than 20 banks and NBFCs, and dedicated pages for specific amounts, cities, salary bands and credit profiles.
- Daily gold rates — 24K, 22K and 18K prices for 40 Indian cities, refreshed each trading day from the IBJA reference, with trend charts, purity calculators and a per-city rate analysis.
- Lender reviews — 44 independent reviews of banks, NBFCs and instant loan apps, covering real rates, hidden charges, eligibility and borrower experience.
- Calculators — 13 free tools across personal, home and gold loans: EMI, eligibility, prepayment, foreclosure, balance transfer and gold loan auction risk.
- Eligibility check — our offer checker returns real amounts, rates and tenures from our lending partner, not estimates.
- News and guides — a news section across nine categories, published through an automated pipeline that takes each story from published reporting and cites the source, plus 300+ long-form guides on schemes, eligibility and repayment.
- Savings and protection — plain-English explainers for credit cards and insurance, and an fixed deposit guide with a maturity calculator. These are guides rather than comparison engines: they teach you what to compare instead of naming a product to buy. Lighter than our loan coverage, and we would rather say so than imply otherwise.
Gold Pages in Six Languages
Money decisions are hard enough without a language barrier. Our gold rate and gold loan sections — not yet the rest of the site — are published in English, हिन्दी, ગુજરાતી, తెలుగు, தமிழ் and বাংলা, with the same live figures across every version and each page written for its own language rather than mirroring the English layout. We are extending this to more of the site.
How We Research and Publish
Rates and prices come from primary sources: the India Bullion and Jewellers Association for gold, and lender and RBI publications for loan terms. Where a page makes a regulatory claim, it cites the regulator.
Our guides, comparisons and reviews are drafted with AI assistance and pass a human review gate before publishing; our news section is machine-published from sourced headlines and labelled as such. Every article carries a byline, a published date and an updated date. We correct errors in place and note what changed. Our editorial policy, fact-checking policy and corrections policy set out how that works, and our authors page explains who writes and reviews what.
How We Make Money
BankCreds is free to use, and you never pay us — not to compare, not to check eligibility, not to apply.
Some “Apply” buttons on our site are partner links that identify BankCreds as the referrer. Where a referral partnership pays a fee, the lending platform pays it, not you, and it does not change the rate or terms you are offered. Our how we make money page sets out the commercial model in full.
Whatever the commercial arrangement, it never influences our rankings, ratings or reviews. We rank on merit — rates, fees, eligibility, disbursal speed and real borrower experience. If a product is expensive or carries hidden charges, we say so, partner or not.
Trust & Compliance
Our loan comparisons cover banks and NBFCs regulated by the Reserve Bank of India. We also review instant loan apps, and many of those are not themselves RBI-registered NBFCs — they operate as lending service providers in partnership with one. Each review states which, because the distinction changes who is accountable to you if something goes wrong. We follow RBI's Digital Lending Guidelines (2022) on disclosure, data handling and grievance redressal.
The offer check runs a credit enquiry through Experian, under consent you give explicitly on screen, along with the partner's own terms. Because the enquiry is consumer-initiated rather than lender-initiated, it is not treated as a credit-seeking enquiry; a lender's own full enquiry happens only if you choose to proceed with an application.
To return real offers, the details you enter — including PAN and date of birth — are passed to our lending partner and Experian. We also store them, so we can show you your offers and handle support and grievances. Our privacy policy sets out exactly what is collected, why, and how long it is kept.
We are a comparison and information service, not a financial adviser. Nothing on BankCreds is personalised investment or borrowing advice, and rates shown are indicative until a lender makes you a formal offer.
Get In Touch
Questions, corrections, feedback or partnership enquiries? Reach out to our team — we read every message, and a correction request goes to an editor.