Financial Fact-Checking & Accuracy
Editorial Policy & Rate Methodology
How Earth Wealth Group researches, fact-checks, audits, and presents interest rates, eligibility criteria, and fee disclosures across all published personal loan guides.
📌 Key Takeaways: Our Fact-Checking Standard
- Primary Sources Only: Every interest rate, processing fee, and CIBIL criterion displayed on our portal is sourced directly from the official Schedule of Charges published by our partner banks.
- Monthly Audit Cadence: Rates and lending rules are re-verified during the first week of every calendar month by our internal credit research desk.
- Zero Unsubstantiated Claims: We strictly avoid deceptive marketing buzzwords such as "100% Guaranteed Approval", "Instant Pre-Approved Cash", or unverifiable rating scores.
- Full Disclosure of Conditions: Promotional starting rates (e.g., 9.99%*) are never displayed without clearly stating the mandatory qualification conditions.
1. Single Source of Truth (`data/rates.json`)
In the financial advisory space, rate discrepancies across pages confuse consumers and breach regulatory transparency. To guarantee consistency across Earth Wealth Group:
- All lending metrics (minimum salary, interest rate ranges, maximum ticket size, repayment tenures, foreclosure charges) are maintained in a centralized repository:
data/rates.json. - All product comparison tables, worked EMI examples, and Schema.org structured data are dynamically validated against this master sheet.
- If a partner lender revises its benchmark rate or processing fee, the master repository is updated and propagated across all relevant pages simultaneously.
2. The Four-Step Rate Verification Protocol
Step 1: Primary Bank Portal Crawl
Our research team checks the public Schedule of Charges and lending guidelines published on the official web portals of HDFC Bank, ICICI Bank, IDFC FIRST Bank, Axis Bank, and InCred.
Step 2: DSA Circular Cross-Check
We cross-reference public rates with official internal DSA scheme circulars provided directly by bank credit teams (e.g. corporate salary categorizations, Class-IV government staff specials, and prime balance transfer programs).
Step 3: Senior Reviewer Sign-Off
Every piece of content must be vetted by our Co-founder & Principal Loan Advisory Lead (Mr. A. Chaurasiya) and the Credit Operations Desk before publication.
Step 4: Timestamp & Source Transparency
Each product page displays a visible "Rates Last Verified" date along with direct outbound links to the lender's official page.
3. Commercial Independence & Neutrality
Earth Wealth Group receives sourcing payouts from lending partners when an applicant successfully borrows through our network. However, our editorial evaluations, loan comparisons, and suitability advice remain strictly objective:
- We clearly highlight both the Pros and Cons of every financial product, including high foreclosure charges or strict salary thresholds.
- We never artificially elevate a lender in our comparison tables merely based on partner commercial terms.
- All comparisons highlight the net cost of credit so borrowers can make well-informed borrowing choices.
4. Corrections & User Feedback Policy
If you spot a rate update, typographical error, or policy change before our monthly audit cycle:
Mandatory Non-Lender Disclosure: Earth Wealth Group is an authorized Direct Selling Agent (DSA) partner connecting borrowers with RBI-regulated commercial banks and NBFCs. We are an advisory distributor, not a bank, NBFC, or direct lender. We do not charge any upfront or advance processing fees. Final loan approval, interest rate, loan amount, and tenure are decided solely by the respective lending institution.