BankCreds covers loans, credit and personal finance for Indian borrowers — topics where getting it wrong has real consequences. This policy explains how we work to keep our content accurate, useful and independent.
Who writes our content
Our pages are produced by dedicated teams — financial analysts, writers and app reviewers — not anonymous content mills. You can see who they are on our Authors page, and every page carries a byline and a "last updated" date.
How our content is produced and reviewed
We use AI assistance to draft and structure content efficiently. For our guides, comparisons, reviews and calculators, nothing is published automatically: every page passes through a human review gate where our Content & SEO team proofreads it, checks it against our editorial standards, and verifies that every statistic and citation traces back to a credible source before it goes live.
Our news section works differently, and we say so plainly
Stories in BankCreds News are drafted and published on an automated schedule so that rate moves and regulatory changes reach readers the same day. A human does not read every story before it goes live. We think you are entitled to know that, so here is exactly what does and does not happen:
- What is automated: monitoring news feeds, drafting the story, and publishing it.
- What is constrained: a news story may only attribute a development to the source named on the page. It may not invent figures, quotes, dates or details that the source did not report. Standing background — how RBI rules work, how EMIs are calculated, typical market rate bands — comes from our own reference material.
- What is checked automatically before publishing: the story is rejected outright if it is too short, fails validation, or links anywhere outside BankCreds.
- What is reviewed by a person: the rules, prompts and constraints the pipeline runs under, plus spot-checks of published output and every correction request we receive.
Every news page carries the source it relies on, a clearly separated "BankCreds analysis" section containing our own assessment rather than the source's reporting, and a disclaimer stating that rate figures are indicative and that the article is not financial advice. If you find an error in a news story, tell us — see our corrections policy. We would rather publish a correction than leave a wrong number standing.
How we research
- We read the actual loan terms published by each lender — rates, fees, eligibility and the fine print — rather than relying on marketing claims.
- We cross-check every lender against the RBI's public register of NBFCs (or its banking licence) before we feature it.
- We review real borrower feedback, including Play Store ratings and complaints, to reflect how an app actually performs.
Accuracy and sourcing
Figures such as interest rates, processing fees and loan limits are checked against the lender's own disclosures and updated when they change. Where possible we point to authoritative sources such as the RBI and official lender pages. Numbers are indicative and set by the lenders themselves — always confirm the current terms with the lender before you borrow.
Editorial independence
Our rankings, ratings and reviews are based on merit alone — never on commercial relationships. We explain exactly how the business is funded on our How We Make Money page. No partner can pay to change a ranking or soften a review.
Keeping content current
Because loan terms change often, we review our pages on a rolling basis and refresh them when lenders update their offers. The "last updated" date on each page reflects the most recent review.
Corrections
If we get something wrong, we fix it — see our Corrections Policy for how to flag an error.
Not financial advice
BankCreds provides comparison and educational information, not personalised financial advice. Your eligibility and the right product for you depend on your individual circumstances. Consider your own situation, and consult a qualified adviser where appropriate, before taking a loan.