Editorial policy & methodology

Source hierarchy

1. Official lender pages and documents — product pages, schedules of charges, Key Facts Statements.
2. RBI and regulatory sources — registers of banks and NBFCs, digital-lending guidelines, the Sachet portal.
3. Market context — competitor and search research is used to decide what to cover, never as a source for lender facts.

Evidence on the page

• Every lender fact carries a source link and alast-checked date in the evidence strip beside it.
• The regulated entity behind each brand is named; where the app-to-lender relationship is not yet verified, the page says so with an explicit "relationship requires explanation" state.
• Missing data is shown as "—" — never replaced with an estimate, a typical value dressed up as a fact, or marketing copy.
• Category-level figures (typical rate bands, common fee ranges) are always labelled as indicative and never attributed to a named lender without a source.

Calculators

All EMI figures use the standard reducing-balance formula (EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1)) with the processing fee and 18% GST shown separately, computed by one tested code path used across the whole site. Every worked example is labelled"Example only" — your lender's Key Facts Statement is the binding document.

What we never publish

• "RBI-approved app", guaranteed approval, or fixed disbursal-time promises
• Invented reviews, testimonials, ratings, awards or user counts
• Rankings ordered by commission — sponsored placements are labelled
• Advice to share Aadhaar, PAN, OTPs or bank credentials with us

Corrections

Corrections take priority over all other work. If a figure is wrong or stale, write to info@rupeerahi.comwith the page URL — we verify against the official source, fix the page and update its last-checked date. Stale data that cannot be re-verified is marked "needs re-check" rather than silently kept.