Editorial Policy
This editorial policy governs everything we publish on FinancePaisa. It exists so that readers can hold us accountable and so that our team has clear rules to follow when producing content.
Updated
Sourcing
Every product data point (interest rate, fee, eligibility criterion) is sourced from the official website of the RBI-regulated bank or NBFC. Where a bank's published number differs from what customers report, we note both and side with the officially published version.
Original writing
We do not paraphrase or lift phrasing from any other portal, blog, or bank's own website. Every guide is written from scratch based on primary reading of official documentation.
Review process
- Draft written with the official sources for every rate, fee, and rule noted
- Numbers checked against the bank, RBI, or government source before publishing
- Page published with the date its data was last verified
Updates and corrections
We aim to re-verify product data (rates, fees, eligibility) every quarter and after every RBI policy change. The "last updated" date on each page is the date its numbers were last checked - if it looks old, treat the figures as indicative and confirm with the lender. When we make a substantive correction, we update that date. Silent edits are limited to typos and formatting.
Independence
No bank or NBFC pays us to alter rankings or content. Advertising on the site is served by Google AdSense, is labelled "Advertisement", and is kept visually separate from editorial content. Advertisers have no influence over recommendations or the ordering of products.
How we check rates and fees
- All lender rates and fees live in a single table, each row with the lender's official source link and the date we checked it.
- Pages that show a rate say when it was checked. A row older than 90 days triggers a visible warning naming that lender until it is re-checked.
- We use only the lender's own website, rate card, charges schedule or MITC. Aggregator figures are never used as the source; if we cannot confirm a figure, we show "—" or leave the lender out.
- Fees and charges that are not in the rate table, such as foreclosure terms, are cited to the lender's own charges page under "Sources" on that page.
Worked examples and calculators
Every rupee figure in a worked example is calculated by code at the time the page is built, from the inputs stated in the text, using the same formulas as our calculators (reducing balance, monthly rests, GST on card interest). Where an example uses an illustrative rate rather than a specific lender's, the page says so.
Who is responsible
The Editor-in-Chief is responsible for everything published on FinancePaisa, including corrections. Pages are credited to the FinancePaisa Editorial Team; we do not use invented author names or biographies.
Recent corrections
Substantive corrections are listed with the date they were made. The full log is on our corrections page.
| Date | Page | Correction |
|---|---|---|
| 11 Oct 2026 | Repo rate and home-loan EMI (blog) | Updated for RBI's 7 October 2026 decision raising the repo rate from 5.25% to 5.50%. |
| 11 Oct 2026 | ICICI Bank home loan | Rates updated to ICICI's new card, 8.75% to 10.05% (we had the previous card's 8.50% to 9.80%). |
| 6 Oct 2026 | ICICI Bank personal loan | Foreclosure charge is 3%, nil after 12 EMIs, and part-payment is allowed (we had said 5% and not allowed). |
| 6 Oct 2026 | SBI personal loan (Xpress Credit) | It is a fixed-rate loan with a 3% prepayment charge before 3 years (we had said nil on a floating rate). |
| 6 Oct 2026 | Axis Bank and Kotak personal loans | Updated tenure, fees and foreclosure terms to the banks' published schedules. |
11 Oct 2026
- Page
- Repo rate and home-loan EMI (blog)
- Correction
- Updated for RBI's 7 October 2026 decision raising the repo rate from 5.25% to 5.50%.
11 Oct 2026
- Page
- ICICI Bank home loan
- Correction
- Rates updated to ICICI's new card, 8.75% to 10.05% (we had the previous card's 8.50% to 9.80%).
6 Oct 2026
- Page
- ICICI Bank personal loan
- Correction
- Foreclosure charge is 3%, nil after 12 EMIs, and part-payment is allowed (we had said 5% and not allowed).
6 Oct 2026
- Page
- SBI personal loan (Xpress Credit)
- Correction
- It is a fixed-rate loan with a 3% prepayment charge before 3 years (we had said nil on a floating rate).
6 Oct 2026
- Page
- Axis Bank and Kotak personal loans
- Correction
- Updated tenure, fees and foreclosure terms to the banks' published schedules.
Frequently asked questions
How do you handle bank corrections?
If a bank contacts us with a correction, we verify it against their public page. If accurate, we update within 48 hours and add a note.
Do you accept guest posts?
No. All content is produced by the FinancePaisa editorial team.
How do I report an error?
Email us via the contact page with the URL and the specific data point in question. We investigate within 2 working days.