Our Ranking Methodology

Transparent, data-driven, and reproducible rankings

Core Principles

Deterministic

Same inputs always produce the same outputs. Rankings are reproducible.

Transparent

All factors, weights, and calculations are publicly disclosed.

Explainable

Every score has a detailed breakdown showing how it was calculated.

Independent

Rankings are NOT influenced by monetization, affiliate relationships, or advertising.

Credit Cards Ranking

Factors & Weights

Annual Fee (lower is better)25%
Rewards Rate (higher is better)30%
Features Count15%
Interest Rate (lower is better)10%
Eligibility (easier is better)10%
Provider Trust10%

Calculation Method

Each factor is normalized to a 0-100 scale, then multiplied by its weight. The sum of all weighted scores gives the total score (0-100). Products are ranked by total score in descending order.

Mutual Funds Ranking

Factors & Weights

Returns (3Y weighted 50%, 5Y 30%, 1Y 20%)40%
Expense Ratio (lower is better)20%
Risk-Adjusted Returns (Sharpe ratio)20%
AUM (larger is better, stability)10%
Fund Manager Experience10%

Personal Loans Ranking

Factors & Weights

Interest Rate (lower is better)40%
Processing Fee (lower is better)20%
Loan Amount Range (higher max is better)15%
Eligibility (easier is better)15%
Provider Trust10%

Data Sources & Provenance

All data used in rankings comes from verified sources with full provenance tracking:

  • Every numeric value has a source URL, fetched_at timestamp, and update frequency
  • Data is refreshed according to update frequency (daily, weekly, monthly)
  • All sources are verified and publicly accessible
  • Raw data snapshots are stored for audit trail

Versioning & Updates

Ranking configurations are versioned. When weights or methodology change:

  • A new version is created with updated weights
  • Previous rankings remain stored for historical reference
  • All ranking calculations are timestamped and reproducible

Important: Rankings are based on publicly available data and our transparent methodology. Rankings are for informational purposes only and do not constitute financial advice. Users should consult with qualified financial advisors before making decisions.

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