About Our Data
We believe you deserve to know exactly where our data comes from, how fresh it is, and how we use it to rank and score financial products. Complete transparency, no exceptions.
Primary Sources Only
We collect data directly from regulators (RBI, SEBI, AMFI, IRDAI) and official bank/AMC websites. We never rely on third-party aggregators for primary data.
Always Fresh
Automated monitors check for rate changes daily. Product data is verified weekly. Articles are reviewed quarterly. Stale data is our enemy.
Algorithmically Ranked
Products are scored by a transparent, weighted algorithm. No bank or AMC can pay for a higher ranking. Period.
Data Sources by Product Category
Mutual Funds
AMC Official Websites
Scheme information documents (SID), key information memorandums (KIM), expense ratios
Freshness: NAV updated daily by 11 PM IST. Fund factsheets updated monthly.
Credit Cards
Official Bank Websites
Annual fees, reward rates, welcome benefits, eligibility criteria, interest rates
Card Network Portals (Visa/Mastercard)
Lounge access networks, forex rates, insurance coverage details
Freshness: Fees and benefits verified weekly. Updated within 48 hours of bank announcements.
Loans (Home, Personal, Car)
Bank/NBFC Official Websites
Interest rates, processing fees, prepayment charges, eligibility criteria
Freshness: Interest rates updated within 24 hours of RBI policy changes. Full refresh weekly.
Fixed Deposits
Insurance
Insurance Company Websites
Premium calculators, policy terms, rider details, exclusions
Policy Bazaar / Insurance Aggregators
Premium cross-verification (not for rankings)
Freshness: Claim settlement ratios updated annually (IRDAI data). Premium data refreshed monthly.
Government Schemes (PPF, NPS, SSY)
How Products Are Ranked & Scored
Every product on InvestingPro receives a score out of 100, computed using our weighted scoring algorithm. The weights vary by product category (credit cards, mutual funds, loans, etc.) and are fully disclosed on our Editorial Methodology page.
Key principles of our ranking system:
- Scores are computed algorithmically — no manual overrides or paid placements.
- The scoring formula is publicly disclosed with exact weights for each criterion.
- Affiliate relationships do NOT influence scores or rankings. A product with no affiliate link can still rank #1.
- Products are compared within their category (e.g., Travel Cards vs. Travel Cards, not Travel vs. Cashback).
- Scores are recalculated automatically when underlying data changes.
- Weight adjustments are reviewed quarterly by the editorial board and documented.
- Tie-breaking: when two products have the same score, the one with lower cost to the consumer ranks higher.
Data Quality Assurance
Automated Monitoring
Our systems monitor official bank and AMC websites daily for rate changes, fee revisions, and product updates.
Manual Verification
Every data point is manually verified by a team member before being used in comparisons or scores.
Cross-Referencing
Each data point is verified against at least two independent sources before publication.
Timestamped Attribution
All data carries a source attribution and a "last verified" timestamp in our internal database.
Staleness Alerts
Content older than 90 days triggers an automatic review flag for the editorial team.
Reader Reports
Readers can report inaccuracies via our corrections process. Reports are investigated within 24 hours.
Editorial Methodology
Our 5-step review and scoring system.
Our Team
Meet the experts behind the data.
Corrections Policy
How we handle errors and updates.
Important: InvestingPro.in is not registered with SEBI as an investment advisor. All data and analysis is for educational and informational purposes only. Users should consult with qualified financial advisors before making financial decisions. Past performance does not guarantee future results.