Editorial & Affiliate Policy

KharchaUdhar is run by lending professionals who have spent the last decade inside Indian banks and NBFCs — working on credit policy, underwriting, and digital lending journeys. Our editorial standards reflect that background.

How we rank lenders

Lender comparisons, eligibility matches, and recommendations on this site are based on publicly disclosed rates, fees, eligibility norms, and product fit for the user's profile. Rankings are not influenced by affiliate commission rates. A higher-paying lender does not get a higher position. A lower-paying lender is not demoted.

What we will not do

• We will not recommend a personal loan when a salary advance, FD-backed loan, gold loan, or a pre-approved offer from the user's salary bank is genuinely a better fit.
• We will not push credit cards that do not match the user's spend pattern simply because they pay higher affiliate commissions.
• We will not publish "best of" lists without disclosing the criteria used to rank.
• We will not write disguised promotional content. Any sponsored content, if ever published, will be labelled clearly at the top of the page.

Affiliate disclosure

When you apply for a loan or credit card through links on this site, we may earn a commission from the lender or aggregator at no additional cost to you. This is how the site is funded. We never receive payment from you.

Corrections

If you find an error in our rate tables, eligibility criteria, or fee disclosures, write to us and we will correct it within seven working days. Rate data is verified against lender disclosures on a quarterly cycle.

What this site is not

KharchaUdhar is an educational and comparison platform. We are not a lender, NBFC, or financial advisor. Always read the Key Fact Statement before accepting any loan, and consult a qualified financial advisor for personal advice specific to your situation.