The four things most customers come for
Loan Eligibility Checker
Home, personal, car, education, credit card and more. Find out in a minute what you can realistically get.
Check my eligibility →EMI & Savings Calculators
EMI, FD, RD, SIP, PPF, GST, TDS and interest calculators. See the numbers before you commit.
Open calculators →Know Your Rights
What your bank must do for you, and how to escalate when it doesn't.
Read your rights →Indian Banks Directory
Browse public, private and small finance banks, with profiles and top executives.
Explore banks →Borrow smartly
Know what you qualify for, what it costs, and how the bank decides.
Loan Eligibility Checker
9 loan types with simple, layman-friendly criteria.
EMI & Loan-to-Value Calculator
Work out your monthly instalment and how much the bank may lend against a property.
How Loans Work: Sanction to Closure
Application, appraisal, documents, disbursement and repayment, step by step.
Credit Score & CIBIL
How your score is built and why it decides your interest rate.
Home Loan & Mortgage Basics
How banks appraise your home loan and what to prepare.
Retail Loan Products Compared
Personal, vehicle, education, gold and other loans in plain terms.
Credit & Debit Cards
Billing cycles, charges, limits and how to use cards wisely.
Save & invest
Deposits, small savings, pensions and where each one fits.
FD, RD, SIP & PPF Calculators
Project maturity value for deposits, SIPs and PPF in seconds.
Savings, Current & Term Deposits
Which account suits you, and the rules that apply to each.
Deposit Products Explained
Savings, recurring, fixed and special deposit products.
Mutual Funds Basics
How funds work, the different types and the risks involved.
NPS, APY & Pensions
Retirement options available through banks.
Insurance Products
Life, health and general insurance sold through banks.
Tax Planning Basics
Ways to legally reduce tax through savings and investments.
Pay & transfer
UPI, NEFT, RTGS, cheques, and sending or receiving money abroad.
UPI, NEFT, RTGS & IMPS Compared
Which one to use, limits, timings and charges.
Cheque Clearing & Bounced Cheques
How CTS clearing works and what happens when a cheque bounces.
Sending Money Abroad
Remittance rules for individuals: study, travel, gifts and investments.
NRI & Foreign Currency Accounts
NRE, NRO and FCNR accounts and how they differ.
FEMA & Cross-Border Rules
The law behind foreign exchange transactions.
KYC & paperwork
Why banks ask for what they ask for, and how to get it right the first time.
KYC: Documents & Norms
What is needed, when it is needed, and what re-KYC means.
Opening Accounts & Nominations
Individual, joint, minor and other account types, and nominee rules.
Why Banks Ask Questions (AML)
The anti-money-laundering rules behind cash limits and source-of-funds queries.
Start & run a business
Pick a structure, register it, open the right account and get paid, including from abroad.
Start a Business in India
Every business type, step by step: structure, registration, licences and yearly compliance.
Getting Paid by Foreign Clients
Bank wire or payment platform, FIRA, EEFC, GST LUT, and why not a savings account.
Current Account for Your Business
How it differs from a savings account, and which one a business needs.
MSME Loans: Udyam, MUDRA & CGTMSE
Collateral-free credit and schemes for small businesses.
Your Business Credit Report & CMR
How lenders read your business's CIBIL MSME Rank.
GST Calculator
Add or remove GST on an invoice amount in seconds.
Collateral-Free Loans: CGTMSE, PMEGP & CMEGP
Work out the guarantee fee and see subsidy schemes for new businesses.
Rights, safety & complaints
Protect your money, and know how to escalate if your bank lets you down.
UPI Fraud? What to Do Now
Step-by-step SOP: call 1930, block, report and recover. In English and เคนเคฟเคเคฆเฅ.
Customer Rights & Grievance Redressal
Your rights and the escalation path for complaints.
Consumer Protection & RTI
Using consumer law and the Right to Information against service failures.
Cyber Fraud & Staying Safe
Common frauds, how they work and how to protect yourself.
Customer Service Standards
What service levels and turnaround times to expect from your bank.
BCSBI Codes & Fair Practices
The voluntary codes banks commit to for fair treatment.
๐ถ Complaint escalation: the usual path
Complain to your bank
Raise it in writing at the branch or on the bank's grievance channel, and keep the complaint number.
Give the bank 30 days
The bank has 30 days to reply. If it hasn't, or you're not satisfied, you can escalate. Writing to the bank's Nodal / Principal Nodal Officer first is a good extra step.
Go to the RBI Ombudsman
File free on the RBI Complaint Management System โ, within 90 days of the bank's final reply (or of the 30-day deadline passing). Check rbi.org.in for the current process.
Lost money to a fraud? Act within minutes.
Call your bank immediately to block the card or account, then report on the national cyber crime helpline 1930 or at cybercrime.gov.in. Never share your OTP, PIN or CVV. A real bank never asks for them. Follow our step-by-step fraud SOP โ (English + เคนเคฟเคเคฆเฅ)
Struggling with a loan?
What happens if EMIs are missed, and what options you have. Read early, not late.
What Is an NPA? What It Means for You
When a loan turns non-performing and what the bank does next.
SARFAESI, DRT & Lok Adalat Explained
How banks recover dues, and the settlement routes open to borrowers.
Recovery of Retail Loans
What to expect on home, vehicle and personal loans in default.
Stay informed
News and official updates that can affect your money.
Banking News
Latest headlines from the banking and finance world.
RBI Circulars & Notifications
Official announcements, searchable by topic.
Who Regulates Your Bank? (RBI)
What the Reserve Bank does and how it protects depositors.
All Banks, NBFCs & Co-op Banks
Complete list of regulated institutions in India.
Guided journeys
Not sure where to start? Follow these in order.
๐ I want to take a loan
From โcan I get it?โ to โwhat happens next?โ
- Check eligibilitySee what you qualify for.
- Calculate the EMIMake sure it fits your budget.
- Understand your credit scoreIt drives your interest rate.
- Get your KYC readyAvoid delays at sanction.
- Know the loan processSanction, documents, disbursement.
๐ฐ I want to grow my savings
Pick the right product for your goal.
- Understand deposit typesSavings, fixed, recurring.
- Compare FD, RD, SIP & PPF returnsRun the numbers side by side.
- Plan the tax angleKeep more of what you earn.
- Think about retirementNPS and APY.
๐ I want to start a business
From idea to a registered, bank-ready business.
- Choose the structureProprietorship, LLP, companyโฆ
- Register itStep by step for each type.
- Open a current accountDocuments the bank will ask for.
- Get Udyam & explore loansMUDRA, CGTMSE and more.
- Stay compliantReturns and yearly filings.
๐จ Something went wrong
Fraud, wrong charges or a service failure.
- Lost money? Act nowCall 1930, block, report.
- Understand the fraudHow the common scams work.
- Know your rightsWhat the bank owes you.
- Check the service standardsTurnaround times to cite.
- Use consumer law & RTIWhen the bank won't listen.
Still have a question? Ask a real banker.
Post it in the AskBanker discussion forum. Bankers and fellow customers reply, and it's free.
Please note: tools give indicative results and the guides are for general education, not financial or legal advice. Rules, rates and limits change, so confirm with your bank or on rbi.org.in before acting. See our Disclaimer.