How we source rates.

Our intended process is to record a source and refresh date for each rate, fee, EMI and ranking published on Money Matrix Hub. 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, a documented lender or partner contact may confirm the rate slab in writing. We identify the source used for the specific figure where that record is available.
• 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. Refresh process

We do not represent this page as proof that every lender is refreshed on a fixed schedule. When a rate-board refresh is performed, the intended sequence is:

1. Check the lender’s current rate card or another documented lender source and compare it with the previous snapshot.
2. Investigate material changes with the available lender or partner documentation before publication.
3. Publish the updated rate-board.ts data with an as-of date. If a source or refresh date cannot be supported, the figure should remain unpublished or be labelled accordingly.
4. Apply out-of-cycle updates when a lender publishes a material change or an official regulatory update affects the figure.

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 signals from documented servicing observations, when a sufficiently described dataset exists; otherwise this input is omitted rather than fabricated (intended 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.
• Any internal servicing-log score reflects only our documented cases. It is not a market-wide customer-satisfaction index and should not be published without a dataset size and date range.

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.