Editorial Policy & Methodology
OnePaisa is an independent financial-comparison platform for India. Every guide carries a named byline, and each vertical has one editor who owns it — but a name is not what makes a guide trustworthy. The process below is: what we source from, what we refuse to publish, and how we correct what we get wrong.
How we research
- Primary sources first.Fees, reward rates, eligibility and terms come from each issuer's MITC document and official product page — not from other blogs.
- Official data. Rates and returns are cross-checked against bank/AMC disclosures and, where relevant, RBI and SEBI data. Mutual-fund NAV and returns come from AMFI/mfapi.
- No pay-for-placement.No issuer, lender, insurer or AMC can buy a ranking, a rating, or a “best” badge. Recommendations live in code review and are never ordered by affiliate payout.
Who writes our guides
One editor owns each vertical, so the same person is accountable for every guide in that topic area. Each article is written under that byline and then reviewed against this policy before it is published — that review is what the “Reviewed by OnePaisa Editorial Team” line on each article refers to.
- Sandhya Rani Chowdary — Credit Cards Editor, OnePaisa Editorial
- Prasanth Agarwal — Loans Editor, OnePaisa Editorial
- Sandeep Kulkarni — Insurance & Mutual Funds Editor, OnePaisa Editorial
- Srinidhi Rao — Loan Eligibility Coverage, OnePaisa Editorial
What we do not claim. Our author bios describe what each editor covers and how their work is checked. They do not claim certifications, degrees, employers or years of experience, because those would be checkable claims — and we hold a claim about a person to the same standard as a claim about an interest rate. For the same reason, bylines carry a monogram rather than a photograph: we would rather show no face than a stock or generated one.
How we select
Every “best” pick is judged on four criteria, applied the same way for every product:
- Effective reward rate
- The real cash or points value you earn on typical spending, measured after monthly caps.
- Everyday coverage
- How widely the card's best rate applies across the places people actually spend.
- Fees vs value
- Whether the rewards and perks clearly outrun the annual fee for a realistic spender.
- Redemption ease
- How simple it is to turn rewards into real value — without expiry traps or lock-in.
How we rate
Some of our reviews carry an OnePaisa Rating out of 5. It is a single editorial judgement — not a user-review average and not a paid score — formed by weighing four things:
- Rewards value
- The real return on typical spending, after caps and exclusions — not the headline rate.
- Fees
- Joining and annual fees weighed against the rewards and perks a realistic user actually gets.
- Ease of use
- How simple the card is to earn on and redeem from — without lock-in, expiry traps, or fine print.
- Transparency
- How clearly the issuer discloses fees, terms, and eligibility in its MITC and official pages.
A rating appears only when we've actually assessed the product against these criteria — reviews without a rating simply don't show a score.
How we keep data current
- Product catalogue pages (cards, loans, insurance, funds) revalidate hourly against our database, so live fields like fees, rates and NAV stay fresh.
- Guides show a “Updated:” date only when the content itself was genuinely revised — we never bulk-touch dates to fake freshness.
- Spotted something out of date or wrong? Email contact@onepaisa.in and we'll correct it.
How we make money
When you apply for a product through some of our links, the provider may pay OnePaisa a referral commission — at no extra cost to you. That commission never changes which products we recommend or how we rank them; selection and ranking are decided before any payout is considered. Where you ask to be connected with a provider for an eligibility check, we may also earn a connection fee — consent-based, at no cost to you, and with the same firewall from our rankings. Full details are in our Disclosure & Disclaimer.
Corrections & contact
We treat accuracy on money topics as non-negotiable. For corrections, data disputes, or editorial questions, email contact@onepaisa.in. OnePaisa provides information, not personalised financial advice — see our Terms.