Terms of Use

The Credit Compass (thecreditcompass.in) is operated by Bhargav Dwadasi, an individual based in Bengaluru, India (“we”, “us”). By using the site you agree to these terms. If you do not agree, please do not use it.

The site is meant for adults (18 or older) in India researching loans, credit and related government schemes. It is free to use and needs no account.

We publish educational information, comparisons and calculators. We are not:

• a bank, NBFC or any other lender, and we are not registered with the Reserve Bank of India;
• a direct selling agent (DSA), loan broker or aggregator — we do not take applications, arrange loans or pass your details to lenders;
• a registered investment adviser, tax adviser or lawyer.

Nothing on the site is an offer of credit or a promise that you will be approved for a loan at any rate. Read the full Disclaimer before relying on anything here.

We source rates, fees and rules from lenders' official websites, the RBI and government portals, and show when each figure was last checked (see our methodology). Lenders change terms often and without notice, so information on the site may be out of date or incomplete. Always confirm the current terms — especially the Key Fact Statement — with the lender before you sign anything. If you find an error, please tell us.

Calculators, the Rate Predictor, Affordability Checker, Scheme Matcher and similar tools give estimates based on the figures you enter and the assumptions we state. They are not credit decisions or quotes. Lenders use their own models and may reach different results. You are responsible for decisions you make using them.

You agree not to:

• use the site for anything unlawful or fraudulent;
• attempt to break, overload or gain unauthorised access to the site or its systems;
• present our content or tools as your own, or suggest that we endorse you, your product or a lender;
• use automated access in a way that ignores our robots.txt or degrades the site for others.

Search engines and AI assistants are welcome to crawl the site within the rules in our robots.txt.

The text, data compilations, calculators, design and code of the site belong to the operator unless stated otherwise. You may quote short extracts and share links, provided you credit The Credit Compass and link to the page you quote. For any other reuse — republishing articles, copying datasets or embedding tools — please ask us first. Lender names and logos belong to their owners and are used only to identify them.

We link to lenders, regulators and government portals so you can check sources and apply directly. We do not control those sites and are not responsible for their content, products or privacy practices. We are never paid for these links.

The site is provided “as is” and “as available”. To the extent the law allows, we make no warranty that it will be accurate, complete, uninterrupted or error-free.

To the extent the law allows, we are not liable for any loss arising from your use of, or reliance on, the site — including any borrowing, investment or financial decision, or any act or omission of a lender or third-party website. Nothing in these terms limits any liability that cannot be limited under Indian law.

We may change, add to or remove parts of the site at any time. We may also update these terms; the date at the top shows the latest version, and continuing to use the site after a change means you accept it.

These terms are governed by the laws of India. Courts in Bengaluru have exclusive jurisdiction over any dispute arising from them, subject to any rights you have under consumer protection law. Before going to court, please contact us — most issues can be resolved by email.