How we source rates.

Every rate, fee, EMI and ranking on Money Matrix Hub traces back to a primary source and a refresh date. This page documents how we source, validate and publish that data — and what the limitations are.

1. Rate sourcing

• Primary source first. Lender published rate card (lender website, official press release, or scheme PDF).
• Secondary source. Where the lender does not publish a rate card, our DSA relationship manager confirms the rate slab in writing.
• Codified in rate-board.ts. Every rate, slab and as-of date lives in a single source-of-truth module that powers the rate board, comparison pages and calculators.
• As-of stamping.Each rate carries an “as-of” date so readers can verify on the lender’s site.

2. Weekly update cadence

1. Monday:Scheduled refresh against lender websites for all 40+ partner lenders. Diff against last week’s snapshot.
2. Tuesday:Banker review of any rate movement > 5 bps; cross-check with relationship managers.
3. Wednesday: Publish updated rate-board.ts and regenerate static pages. Sitemap updated. Rate-as-of date refreshed sitewide.
4. Ad-hoc: Out-of-cycle updates within 24 hours whenever the RBI announces a repo-rate change or a major lender repaints its scheme.

3. Lender rating

Lenders on the rate board and comparison pages are scored on the following weighted criteria. Commission earned by Money Matrix Hub is not a scoring input.

• Headline rate for the borrower profile (weight: 35%).
• Effective APR including processing fee, legal, valuation and mandatory insurance (weight: 25%).
• Turnaround time from file submission to sanction (weight: 15%).
• Customer experience score from our internal servicing log: complaint rate, mid-cycle rate-reset hygiene, KFS quality (weight: 15%).
• Eligibility breadth — how many borrower profiles the lender can underwrite without hard rejection (weight: 10%).

4. EMI & calculator outputs

• EMIs use the standard reducing-balance formula: EMI = P × r × (1 + r)^n / ((1 + r)^n − 1), where P = principal, r = monthly rate, n = months. The same formula powers our home-loan, business-loan and balance-transfer calculators.
• Effective APR follows the RBI Master Direction on Digital Lending (2025): all upfront and recurring charges paid by the borrower are amortised over the loan tenure.
• Our calculators are illustrative. The lender’s sanction letter and KFS are the binding figures.

5. Source attribution policy

• Every regulatory citation links to the official RBI / NHB / IRDAI / SEBI / MeitY page or PDF.
• Rates link to the lender’s own published rate card.
• Statistics quoted from third-party reports (CRISIL, ICRA, CIBIL, FICCI) link to the report or page.
• Where data is from our internal client base, it is labelled “Money Matrix Hubinternal data” with dataset size and date range.

6. Limitations

• Published rates are indicative. The actual rate offered to a borrower depends on credit profile, LTV, property, FOIR, and the lender’s credit policy at sanction.
• We rely on lenders to publish accurate rate cards. If a lender publishes a wrong number, we will reflect it until notified.
• Our internal servicing-log score uses our DSA pipeline only — it is not a market-wide customer-satisfaction index.

7. Errata & corrections

If you find a rate, fee or formula that looks wrong, please email jay@moneymatrixhub.com with subject line “Methodology correction”. Our correction workflow is described in our editorial policy.

8. Contact

Methodology questions, partnership data requests, or audit requests: jay@moneymatrixhub.com.