Editorial Policy & Ranking Methodology
This page explains how CreditInd selects, ranks, and updates the credit cards, loans, savings accounts, and demat accounts shown on the Platform. We publish this openly so you can judge our comparisons on their merits, not just take our word for it.
1. How Products Are Selected
We aim to include products from a broad range of RBI-regulated banks, NBFCs, and SEBI-regulated brokers rather than a narrow hand-picked set. Inclusion in our listings is based on the product being a genuine, currently available offering from a recognised financial institution — it is not a paid placement, and banks and brokers cannot buy their way onto the Platform.
2. How Rankings and "Recommended" Labels Work
Where we sort, rank, or badge a product (for example, "Top-Rated," "Recommended," or ordering by approval odds, fees, or interest rate), this is based on objective, stated criteria — such as the metric you've chosen to sort by, publicly available rating data, or fee/rate comparisons — applied consistently across all listed products of that type. We do not accept payment from any bank, NBFC, or broker to rank their product higher, hide a competitor, or alter a rating in their favour.
3. Our Revenue Model, in Brief
CreditInd is free to use. We may earn a referral fee from some providers if you apply for a product through the Platform, at no additional cost to you. This relationship does not influence which products are listed or how they are ranked, per Section 2 above. A full disclosure of this is set out in our Terms of Use.
4. Update Frequency
Interest rates, fees, and product terms set by banks, NBFCs, and brokers change from time to time and are outside our control. We aim to review and refresh listed rates and fees on a monthly basis at minimum, and sooner where we become aware of a specific change. Each comparison page displays a "last reviewed" date so you can judge how current the information is. Regardless of this date, always confirm final terms on the provider's official website before applying.
5. Ratings and Reviews
Where star ratings or review counts are shown, these reflect publicly available aggregated data for that product category and are presented for general comparison purposes. We do not fabricate or manufacture ratings.
6. Corrections
If you spot outdated or inaccurate information on any listing, we want to know. Email us at contact@creditind.com with the product name and what looks wrong, and we'll review and correct it.