Rating

Use the ranking in order to find the best loan in India. Here are the ratings of the banks and financial companies, as well as ratings for products: online loans, two wheeler loans, short term loans, home loans and top credit ones. Read reviews and leave feedback on products in order for other people to make the right choice.

Rating of financial companies

Company Rating Review time
1.
ICICI Bank
114

4.8

Reiviews: 0
15 min
Leader
2.
IndiaBulls Dhani
172

4.8

Reiviews: 0
Leader
3.
Bajaj Finserv
108

4.4

Reiviews: 0
Leader
4.
Paisalo
103

4.3

Reiviews: 0
5.
Kotak Mahindra Bank
125

4.2

Reiviews: 0

RadjaCredit is a rating of banks with the most favorable conditions in India. this will help you to find a reliable organization in a matter of minutes.

Компания Рейтинг Рассмотрение
1.
Citibank
182

4.8

Reiviews: 0
Leader
2.
American Express
89

4.7

Reiviews: 0
Leader
3.
Standard Chartered
136

1.0

Reiviews: 0
Leader
4.
Yesbank
55

1.0

Reiviews: 0
5.
Indusind Bank
73

1.0

Reiviews: 0

Learn about the rating system so you can the best loans

There are several reasons you could need or want a loan. Maybe you want to renovate your house, maybe there were some unexpected expenses. The important thing is finding the best credit companies and organizations available. In these situations, it is always important to make sure you have analyzed all possibilities and chosen the best loan option. You want a company that is safe and appropriate for your needs. That is why there is a system of rating for loan companies. In our portal you will be able to compare multiple rating methods and the rates of every company available for loans.

Compare before you choose

Information is key when choosing lender companies and organizations so it is important to learn as much as possible about the loan you want and its main characteristics. Because there are no defined rules or regulations for these type of loans, there are also no defined set of fees, interest rates or terms. Therefore, to avoid any unwanted surprises, you have to understand and compare the possible loan options available for you.

When the issue is interest rates, it is always the lower the better. You want the top loans available with the lowest interest rates. For that, our portal has gathered multiple ratings for you to analyze and decide for yourself the one most suitable option for your needs.

The choice of loan is influenced by the rate, and you want the best rate available. Most online services allow you to access, in very little time, the rates you can get. Rates are influenced by the total amount of money borrowed, the time period in which you intend to pay it back, and your personal best credit score.

Calculate the total cost of your loan

When deciding which loan to take, try to calculate the total cost of your loan. Do that by applying the percentage of the rate to the amount you plan on borrowing. The total cost is the sum of the value of your loan, plus the interest rates and any additional fees. There are multiple online tools that allow you to make simulations with different amounts of money and different loan time terms.

Interest rates are a percentage calculated from the amount of your loan that you will have to pay and they are determined by the lender, so they vary depending on the company. Factors that influence the interest ratesare usually related to the applicant's best credit cards score. The customers with the best credit scores get the lowest interest rates. The better your score, the better rates you can get.

Another common characteristic of interest rates is that they are related to the value of the loan. If the amount you are requiring is larger, the interest tends to be lower. It may be better to get a larger loan in order to get a lower rate, getting ₹100,000 instead of ₹70,000, for example. But always analyze your budget carefully to avoid debts impossible to pay.

Planning to pay for your loan

You must also take into consideration not only the interest rates, but also the payment terms. Personal loans have high interest rates, so it is important to analyze all possibilities. As is the case with the interest rates, the size of the loan also influences the terms. Since loans have monthly payments, paying off a larger amount of money require a larger period of time. But if the amount is smaller, it may be better to get a shorter term. Long-term loans tend to have lower interest rates, but the total cost may be higher in the end. Short-term loans may have higher interest rates, but the total cost may be smaller. It is important to consider that.