The Fee Transparency Ledger
Every site ranks lenders on the rate they advertise. This ranks them on something that costs you more
and nobody measures: can you find out the processing fee before you apply? On a
₹5,00,000 loan, a 2% fee plus GST turns a 12% loan into 13.06%. Grades are derived only from what each
lender publishes — no opinion, no scoring of service.
The Fee Transparency Ledger
Every site ranks lenders on the rate they advertise. This ranks them on something that costs you more and nobody measures: can you find out the processing fee before you apply? On a ₹5,00,000 loan, a 2% fee plus GST turns a 12% loan into 13.06%. Grades are derived only from what each lender publishes — no opinion, no scoring of service.
Lenders are ordered by their average grade across every rate card we hold for them, then by how many cards that average covers. Where a lender's best and worst grade differ, both are shown — a lender that publishes a clear fee on one product and nothing on another has not earned the better grade. This measures disclosure only. It is not a judgement of the lender, the loan or the service, it does not affect the order of any product list on this page, and no lender can pay to change it.
How we calculate APR — and where we refuse to
The headline figure on every card is the interest rate the lender publishes. The APR is the total annualised cost once the processing fee and every other charge is counted, and it is always higher. On a ₹5,00,000 loan at 12% over 5 years, a 2% fee plus GST turns 12% into 13.06%.
We compute an APR only where the lender has published a fee as a number. That is 75 of our 296 rate cards. For 56 of those the lender states the fee as a ceiling — "up to 2%" — so what we show is the worst case, labelled as such, not a quote. Where a rupee minimum applies we use whichever bites harder. GST is charged at 18% on the fee itself.
Even then the figure is a floor, not the truth: insurance, legal, valuation, CERSAI and documentation charges are excluded, because no lender publishes them in a form anyone can compute across products. Your real APR is at or above the number shown.
On the remaining 221 cards we show no APR at all and say so plainly. The lender publishes no fee percentage, and an invented APR is worse than none. In every case the binding figure is in the lender's Key Fact Statement (KFS), which they must give you in writing before you sign. Every card links to it. Compare the KFS, not the headline rate — two loans advertised at the same rate can differ by tens of thousands of rupees once fees are counted.
Rates, amounts and tenures are taken from each lender's official disclosures and were last verified on 18 October 2026. Source confidence on every card tells you how firm that figure is — High means it came straight from the lender's published rate page, Medium and Low mean the figure is indicative or scheme-dependent and must be reconfirmed with the lender. Products showing “Rate on request” have no rate published by the lender; we do not estimate one. Your actual rate depends on your profile, credit score, income and the lender's discretion. Moneyed is a loan advisory service — we do not disburse loans, and all approvals rest with the lender.