Manufacturer-captive schemes (e.g. subvented festive offers) can carry very low headline rates, but check the processing fee and any bundled add-ons — the effective cost is what matters. Compare against a bank two-wheeler loan.
Every row is date-stamped. We re-verify rates against each lender’s published schedule and RBI filings on a monthly cycle; the “Verified” date shows the last check. Where a rate could not be re-verified from the source it is shown as “as of” its last sighting, not presented as confirmed.
No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.