Our Story

Built by people who read
your loan file
from the bank’s side.

Sixteen years inside private banks and NBFCs, deciding which applications got approved and on what terms. The same files, read now for the person applying rather than for the lender.

No paid placement
DPDP Act 2023 aligned
45 Lenders Compared
16+ Yrs
Advisor Experience
296
Rate Cards
45
Lenders Compared
₹0
Fee From You

Why We Exist

The problem nobody was solving honestly.

Most Indians take their first home loan or personal loan from the first bank that approves them. They never compare. They never negotiate. They don't know they can. And they spend the next 10–20 years overpaying lakhs in interest that nobody told them they could avoid.

Banks have entire teams of relationship managers — trained to sell, not to advise. Online aggregators show you “best rates” that are not actually available to you — quoted off a headline card rather than off the policy a lender would really apply to your file. Nobody was reading the policy on the borrower’s behalf.

“On a ₹50L loan run over twenty years, the gap between the rate somebody was given and the rate they could have had is routinely three to seven lakhs. That is my own figure, from files I have read — not a published statistic. Nobody here was careless. Nobody sat with them and did the arithmetic.”

— Nakul Verma, Founder

Moneyed exists to do that reading. We study your CIBIL, your FOIR and the loans you already carry. Then we find you better options across 45 lenders. You pay us nothing — not for the comparison, not for the CIBIL analysis, not for the conversation.

What every Indian borrower deserves to know — but rarely hears:

  • Your bank's "best rate" is rarely the market's best rate — it's the rate they make the most profit on
  • You can negotiate interest rates, processing fees, and prepayment penalties — most people never try
  • A balance transfer at the right time can save you ₹5–15 lakhs over a 20-year home loan
  • A CIBIL score above 750 unlocks rates 1–2% lower — which compounds to lakhs in savings
  • Moneyed maps your profile to 45 lenders and finds the exact offer you qualify for — before you apply

What Moneyed does

One site. Six things it does. None of them cost you anything.

Moneyed began with loans, and it is not only loans any more. The same habit — read the policy, then say the number out loud — applies to what you borrow, what you keep, and what you invest.

Compare

296rate cards

Published rates from 45 lenders, side by side. Where a lender publishes its processing fee the APR is worked out and shown; where it does not, the card says the APR is not derivable rather than inventing one.

Open the comparison

Every one of these is free and needs no sign-up. Moneyed is not a bank or an NBFC, and nothing here is an offer of credit — the lender decides, and always will.

The Team

Twenty-six years between us, on the other side of this desk.

We are not a bank, an NBFC or a lender. A lender does pay us when a loan is disbursed, so there is an interest in your file moving — and the same sixteen years that create it are what let this site tell you why a file fails rather than only that it did. You should know about both before you decide what the advice is worth.

NV
Nakul Verma
Founder
16 Years of Experience

Nakul has spent 16 years at the intersection of banking, credit underwriting, and consumer finance — delivering loan services inside private-sector banks and NBFCs, in roles spanning retail lending, loan restructuring, and risk management.

Having reviewed thousands of loan files from the lender's side, Nakul knows exactly what banks look for — and how borrowers can position themselves to win the best terms. He built Moneyed to democratise this insider knowledge.

He specialises in home loan structuring, balance transfer strategy, CIBIL score optimisation, and debt consolidation for salaried and self-employed borrowers across Delhi NCR and pan-India.

Home Loans Loan Restructuring Credit Underwriting CIBIL Strategy Balance Transfer Debt Consolidation FOIR Optimisation
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PV
Priyanka Verma
Co-Founder & CTO
10 Years of Experience

Priyanka brings 10 years of experience in customer financial advisory, credit counselling, and retail banking operations. Her career spans roles in customer relationship management at leading banks, where she guided hundreds of families through complex financial decisions.

Priyanka's philosophy is simple: financial advice should be clear, jargon-free, and always put the customer first. She is the reason Moneyed's clients feel heard, supported, and confident — not overwhelmed or sold to.

She leads Moneyed's customer onboarding, CIBIL review consultations, EMI planning, and financial health assessments — ensuring every client gets personalised attention and a clear action plan.

Credit Counselling Financial Planning Customer Advisory EMI Structuring CIBIL Review Retail Banking Women & Finance
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What We Stand For

The principles we never compromise on.

Customer Always Wins
A lender pays us a referral fee when your loan is actually disbursed, and you should hear that from us rather than find it in the Terms. What it does not buy is a position: no lender has ever paid for one, and the comparator has no input through which one could.
Radical Transparency
We explain every term, every clause, every trade-off in plain Hindi or English — so you make informed decisions, not pressured ones. No fine print surprises.
Speed Without Shortcuts
The tools read your CIBIL and your profile in seconds. The reading of it is sixteen years of looking at files like yours from the lender’s side — and that part does not get hurried.
Privacy by Design
Your financial data stays yours. We are aligned with India’s DPDP Act 2023 — consent is explicit and can be withdrawn at any time. We do not sell, share or monetise your personal information.
Free. Always.
The advisory service, the CIBIL analysis and the loan comparison are free to the borrower, and we intend to keep them that way. Access to a straight answer should not depend on what you earn.
Built for India
We understand salaried professionals, self-employed business owners, NRIs, and first-time borrowers. Our tools and advice reflect the real landscape of Indian lending — not a foreign model.

Compliance & Trust

Legally sound. Ethically driven. Technically rigorous.

We take compliance seriously — not as a checkbox, but as a commitment to the people who trust us with their financial information.

DPDP Act 2023 Compliant
We are built to India’s Digital Personal Data Protection Act 2023: explicit consent before anything is processed, and withdrawal at any time. Where a question is still open — such as which country a record sits in — we would rather say so than claim it is settled.
Your PDF Never Leaves Your Device
Your CIBIL PDF is read inside your own browser. Only the text pulled out of it reaches our server, over an encrypted connection, and that text is deleted within 90 days. The file itself is never uploaded.
We Do Not Pull Your Report
We do not fetch your credit report at all — you upload your own, and nothing we do puts an enquiry on your file. A hard enquiry costs you CIBIL points; the comparison here costs you none, because no lender is approached until you decide to apply.
How This Is Paid For
A lender pays us a referral fee when a loan we introduced is disbursed. You pay nothing, and that fee does not change your rate, your tenure or your terms. What it does not buy is a position in the comparison: no lender has ever paid for one, and the comparator has no input through which one could.
LEGAL DISCLAIMER

Moneyed (moneyed.co.in) is an independent financial consulting and loan advisory firm registered in India. We are not an RBI-registered Bank, Non-Banking Financial Company (NBFC), or direct lending institution, and we do not provide loans, deposits, or credit products directly from our own balance sheet.

All loan approvals, interest rates, processing fees, prepayment penalties, and terms are solely determined by the credit underwriting policies and internal discretion of the respective partner Banks and NBFCs. Moneyed acts purely as a loan advisory and facilitation intermediary, assisting clients in navigating the loan application process and connecting them to suitable lenders.

CIBIL score analysis provided through our platform is based on the PDF report uploaded by the user and is for informational and advisory purposes only. It does not constitute a credit bureau report, credit score certification, or formal credit assessment. For official CIBIL scores, please visit www.cibil.com.

Interest rates and loan products displayed are indicative and subject to change. Actual rates available to you may differ based on your credit profile, income, employment type, and lender policies. Past advisory outcomes do not guarantee future results.

All personal data is processed in accordance with India's Digital Personal Data Protection (DPDP) Act, 2023, and our Privacy Policy. By using this platform, you acknowledge that you have read and agreed to our Terms & Conditions.

Customer First

Grievance Redressal

Have a complaint? We listen — and we fix it. Share the issue with us directly.

Grievance Officer
Nakul Verma
Founder, Moneyed
+91 6269000066 help@moneyed.co.in
Regulatory Escalation
RBI SACHET Portal
If your complaint is not resolved within 30 days, you can register it on RBI's official SACHET portal.
sachet.rbi.org.in
Response Commitment:  We respond to all complaints within 3 working days. Please share your name, contact number and the details of your complaint.

Talk to us. No pressure. No cost.

Moneyed is new, but the experience behind it is not — sixteen years of structuring loans, now working only for the borrower. Your situation is unique; let's look at it together.

Check My Eligibility Free Call Us: +91 62690 00066