Editorial policy

Independence

Editorial decisions are made without input from commercial partners. No partner sees an article before publication, approves a rating, or has any mechanism to change a ranking. Where a commercial relationship exists, it is disclosed at the top of the page — see how we make money.

Sourcing

• Rates come from the institution’s own published rate card wherever possible.
• Tax provisions come from the Income Tax Department and the current Finance Act.
• Policy rates come from the RBI; scheme rates from the Ministry of Finance notification.
• Insurance claim data comes from IRDAI filings.
• Where a figure comes from an aggregator rather than the primary source, it is marked as pending verification on the page itself.

Accuracy and dating

Rates change. A figure without a date is a claim, not information. Every rate table on Credsir shows the date it was captured. Rate tables are refreshed weekly and immediately following an RBI policy decision or a Union Budget.

Corrections

When we get something wrong we correct it on the page and note that a correction was made. We do not silently edit figures. If a correction materially changes a recommendation, we say so.

What we will not publish

• Guaranteed-return claims for market-linked products.
• Projections presented as outcomes.
• Rankings influenced by commercial arrangements.
• Content that reads as advertising without being labelled as such.
• Referrals to unregulated lenders, offshore forex platforms operating illegally for Indian residents, or any product that would breach FEMA, RBI or SEBI rules for a resident Indian.

Use of AI

We use software to draft, structure and check content. Every published figure is verified against a primary source by a person, and every article carries a named byline. Nothing is published unreviewed. Where an article is substantially research-desk output rather than an individual’s analysis, the byline says so.

Not advice

Credsir publishes general information for an Indian audience. It is not personalised financial, tax or legal advice, and reading it creates no advisory relationship. Your circumstances change the right answer.