Editorial policy
How our content is researched, written, reviewed and updated.
Editor
Aman Multani, Founding Partner & Editor of CreditBharosa, is personally accountable for what is published on this site. See About for more on who runs CreditBharosa.
Sources
Product facts come from the issuer's own documentation — the Most Important Terms and Conditions, fees schedule or official product page. We do not take product facts from other comparison sites, because that propagates their errors and their omissions.
Regulatory and statistical claims come from primary sources: the RBI, SEBI, the credit bureaus, and official government publications.
Verification and review
Every product page carries the date its figures were last updated on our side, and a link to the issuer's own page. That date is not yet the result of a formal, independent re-verification process against issuer documentation — see the Limitations note on our About page.
Independence
No advertiser, partner or issuer reviews our content before publication, and none has the right to request changes. We do not publish sponsored articles or paid guest posts.
What we will not claim
We will not guarantee approval for any product, promise a specific credit score increase, or state that we can remove accurate information from a credit report. Nobody can do these things.
Use of AI
Drafting assistance may be used, including AI tools. Aman Multani is the named person accountable for what is published on each page, including correcting it — see our corrections policy. Product figures on the credit cards page have not yet been independently checked against each issuer's current documentation on a per-figure basis; see the Limitations note on our About page.