# Methodology & Data Verification

How The Credit Compass collects, checks, and updates financial figures across Indian lenders.

## 4-Step Verification Workflow
1. **Primary Source Collection**: Sourced directly from official schedule pages of public and private sector banks.
2. **Regulatory Cross-Check**: Regulatory rights (prepayment penalties, KFS disclosures) are mapped to explicit RBI notifications.
3. **Quarterly Review**: Regular audits of rate cards for all 8 tracked lenders.
4. **Annual Full Audit**: End-to-end verification of all data points and scheme eligibility rules.

## Editorial Independence
We accept no funds from lenders. Content is written solely for borrower clarity and consumer protection.