How we make money.

Money Matrix Hub is a free loan-advisory platform for Indian borrowers. To stay free for borrowers, we earn a referral commission from partner lenders. This page sets out exactly how that works, who pays whom, and the controls we apply to keep our advice independent.

1. We are a loan-advisory service, not a lender

Money Matrix Hub provides loan comparison, advisory and application-support services. We do not lend money, make credit decisions or carry a Default Loss Guarantee (DLG) on a loan. The lender owns the credit decision and the loan asset. Where a lender appoints us under a DSA, LSP or other sourcing arrangement, that role is limited to the documented arrangement. The canonical registration value remains pending verification, so this page does not present an RBI registration claim.

2. How Money Matrix Hub earns revenue

• Referral commission. A lender may pay a referral or sourcing commission where an applicable arrangement exists. The payer and amount can vary by lender and product; we do not publish a universal percentage here.
• Documented for the specific product.Where required for the product and arrangement, the lender’s documents or Key Fact Statement (KFS) should identify applicable fees and intermediary remuneration. Check them before accepting an offer.
• Borrower charges are disclosed before proceeding.Our comparison and advisory service is intended to be borrower-free where the applicable lender arrangement supports it. Confirm any borrower-facing charge in writing before proceeding.
• No commission, no influence. Our editorial and ranking logic does not give a higher score to a lender paying a higher commission. See methodology.

3. Lender relationships

The site may compare products from multiple banks, housing finance companies and NBFCs, including the lenders shown on the lender catalogue. A product listing is not proof of a current DSA appointment or authorization for every lender. Availability and partner status can change and should be confirmed before an application is submitted.

Any current lender relationship is governed by the applicable agreement and product terms. This page does not assert a particular authorization, agreement or regulatory status. A borrower is free to apply directly to any lender they choose.

4. Sponsored content

• Sponsored, syndicated or paid-promotional content is labelled at the top of the articlewith the word “Sponsored” or “Paid Partnership” and the name of the sponsor.
• Sponsored content cannot displace organic editorial ranking on any rate-board, comparison page or lender review.
• We will not run sponsored content that is misleading, contradicts our editorial fact-check, or violates RBI / SEBI / IRDAI advertising codes.
• We do not accept payment in exchange for removing negative coverage or unfavourable comparisons.

5. Conflict-of-interest policy

• Authors and reviewers must disclose any equity, employment or immediate-family relationship with a lender they cover. The disclosure appears on the article and on the author’s profile.
• Founders Jay Patel and Rushik Patel have a commercial interest in loan sourcing. Whether a DSA or other partner role applies is specific to the relevant lender arrangement and should be confirmed from current documentation; no RBI registration claim is made here while verification is pending.
• Where a conflict cannot be reasonably mitigated, the relevant author recuses from writing or reviewing the article.

6. What we do not advise on

Money Matrix Hub is licensed and structured as a loan advisory business only. We do not provide:

• Investment advice on mutual funds, equities, ETFs, bonds or any SEBI-regulated product. For investment advice, consult a SEBI-registered Investment Adviser (RIA) or an AMFI-registered Mutual Fund Distributor (MFD).
• Insurance advice. For insurance, consult an IRDAI-registered agent, broker or POSP.
• Tax advice for specific circumstances. For tax planning, consult a Chartered Accountant.

7. Affiliate links

Where we link to a lender’s product page, the link may carry a tracking identifier for measurement. Any referral or sourcing arrangement, borrower charge, or compensation depends on the applicable current arrangement and must be disclosed in the relevant documents. The link does not set the rate, fees, or terms you receive from the lender.

8. Indicative rates & the 7.15% scenario

All rates published on the site are indicativeand subject to borrower eligibility, final lender underwriting and the lender’s policy on the date of sanction. The 7.15% figure occasionally shown on the site is an illustrative comparison scenario, not a universal or published bank product. Confirm the current rate, fees and eligibility directly in the lender’s offer documents.

9. Contact

For questions about these disclosures, email jay@moneymatrixhub.com with subject line “Disclosures”.