The Credit Compass

About The Credit Compass

The Credit Compass exists to give Indian borrowers clear, unbiased, source-linked loan information — without the advertising noise, affiliate links, or bank sponsorships that distort most financial content online.

We believe that better information leads to better borrowing decisions, and that no borrower should have to pay more than they need to because they were misinformed or misled.

Editorial Policy

Every piece of information on The Credit Compass must meet the following standards:

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    Primary sources only: Interest rates, fees, and regulatory information must be traceable to official bank websites, RBI circulars, NHB notifications, or IBA guidelines. We do not accept data from aggregators, press releases, or promotional materials.
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    Recency: Rate data is reviewed at minimum quarterly. Each loan guide carries a visible "Last reviewed" date. If a data point cannot be confirmed against a current primary source, it is removed until verified.
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    Labelled uncertainty: Where ranges are given (e.g. "8.5%–11%"), the source and date of each bound is documented internally. We do not present single-point figures that obscure variability.
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    No promotional language: Editors may not describe a bank's product as "best" without a specific, measurable criterion (e.g. "lowest published rate as of Jan 2026 per SBI website"). Superlatives require citations.

How Data is Verified

Step 1 — Primary source collection: Rate data is pulled directly from each bank's official loan product pages. Links are saved at time of collection and archived.

Step 2 — Regulatory cross-check: Regulatory claims (e.g. "RBI prohibits prepayment charges on floating-rate loans") are verified against the specific RBI circular number, which is cited on the relevant page.

Step 3 — Quarterly review: All eight comparison banks' rate cards are re-checked every quarter. Pages are updated within 72 hours of any confirmed change.

Step 4 — Full audit: Once per year, every data point across every page is audited end-to-end. The date of the last full audit is published below.

Business Model & Funding

The Credit Compass operates as a public-interest computational finance platform. Unlike traditional loan marketplaces, our business model does not rely on capturing borrower contact details to sell as marketing leads to banks or third-party call centers.

We charge borrowers ₹0 for all tools and simulators, and accept ₹0 from lenders in exchange for placement or origination. The platform is self-funded by its founder, Bhargav Dwadasi, and sustained through automated, low-overhead open software engineering.

Our Independence Guarantees:

  • • We earn zero referral fees from any bank or lender.
  • • We receive zero commissions on any loan application or approval.
  • • We never sell your personal data or phone number to DSAs (zero spam calls) — see our privacy policy.
  • • We have no paid partnerships, sponsorships, or advertising agreements with any financial institution.
  • • Our comparison rankings are based solely on published data and mathematical APR calculations.

Last Full Data Audit

23 August 2026

Every interest rate and bank comparison figure verified against the lender's official website. Each figure also shows its own verification date — see our methodology.

Feedback & Contact

Found an error or a rate change we haven't reflected? Corrections get priority — see how to reach us for what to include, data requests and grievances.