Editorial Methodology

Our research analysts identify the topic, scope, and relevant products. We gather primary data from authoritative sources — RBI circulars, SEBI notifications, AMFI factsheets, and official bank/NBFC product pages.

Each research brief includes the target audience, key questions to answer, and competitive benchmarks. We never start writing until the data foundation is complete.

All data points are collected, timestamped, and attributed to their source. For product comparisons, we scrape and manually verify fees, interest rates, rewards, and eligibility criteria from official provider websites.

We maintain an internal database that tracks 23+ data points per credit card and 18+ data points per mutual fund. Data is cross-referenced against at least two independent sources.

Products are scored using our transparent, weighted methodology (detailed below). Scores are computed algorithmically — no manual overrides, no paid placements. The algorithm weighs cost, value, eligibility, and user experience.

Our scoring model is reviewed quarterly by the editorial board. Weight adjustments are documented and disclosed on this page.

A certified subject matter expert (CFA, CA, or ex-banker) reviews all claims, calculations, and recommendations. The reviewer checks for accuracy, balance, and regulatory compliance (RBI/SEBI/IRDAI guidelines).

The reviewer must sign off with their name and credentials. If disagreements arise, the Editor-in-Chief makes the final call.

Content is published with clear author attribution, "Last Updated" date, and a "Reviewed by" badge. Post-publication, automated monitors flag when underlying data changes (rate cuts, fee revisions, product discontinuations).

We aim to update affected content within 48 hours of a material change. Content older than 6 months is flagged for mandatory re-review.