How InvestingLens Works
What we check before we publish, where our numbers and claims come from, and how we handle mistakes when we make them.
Money Advice Deserves a Paper Trail
Personal finance content in India covers real money — debt payoff plans, credit scores, tax rules, interest rates. Getting it wrong has real consequences. So instead of asking you to just trust us, this page explains exactly how we try to earn that trust: what we check, how we source claims, and what happens when something turns out to be wrong.
Not All Sources Carry the Same Weight
When we make a factual claim — especially about regulation, tax, interest rates, or credit scoring — we try to be explicit about where it comes from:
Primary Regulators
RBI, SEBI, IRDAI, PFRDA, the Income Tax Department, AMFI, official credit bureau documentation. The highest-confidence source for any rule, rate, or compensation claim.
Official Product Documentation
Terms, disclosures, and rate sheets published directly by banks, NBFCs, and fund houses.
Established Financial Publications
Used for context and interpretation, not as the sole basis for a regulatory claim.
Expert Interpretation
Our own analysis of what a rule or number means in practice — always labeled as interpretation, not fact.
Founder Experience
Personal experience is valuable, but it is not a regulatory fact — it is labeled "From my experience," never presented as an official rule.
A personal opinion is never presented as if it carries the authority of an RBI circular. Where we cannot verify a claim against a Tier A or Tier B source, we say so and qualify it — "many lenders typically…" rather than "the rule is…".
What "Reviewed" Actually Means Here
Articles touching regulation, tax, credit scoring, interest rates, or lender policy carry a Trust Strip near the top with a "Last checked" date, and a reviewer name when the review was done by someone other than the original author. That date reflects an actual re-check of the claims against current sources — not just a cosmetic content refresh.
- High-risk claims are checked against a Tier A/B source before publishing
- Categorical claims ("always," "guaranteed," exact score-impact numbers) are avoided unless a source genuinely supports them
- Calculators use standard, publicly documented formulas — never a proprietary or hidden model
- Rules and rates are periodically re-checked, not published once and forgotten
Estimates, Not Predictions
Every calculator on InvestingLens runs a standard, publicly documented financial formula — EMI, compound interest, SIP future value, and similar — entirely in your browser. Nothing you type into a calculator is sent to our server.
Where a tool involves genuine uncertainty — like the CIBIL Score Impact simulator — results are shown as directional, educational estimates, not exact predictions. We do not have access to any bureau's actual scoring model, and no legitimate tool does; treat any calculator claiming otherwise with suspicion.
Where AI Assists, and Where It Doesn't Decide
We use AI tools to help with research, drafting, and editing efficiency. AI-assisted drafts are never published unreviewed, and AI does not independently make or publish claims about regulation, tax rules, interest rates, credit scoring, or specific financial recommendations — a human checks those against sources before anything goes live.
What Pays the Bills Here
InvestingLens may earn from affiliate links and advertising. That relationship never decides what we conclude — a product isn't recommended because it pays more, and editorial judgments aren't for sale. Affiliate and sponsored content is always labeled as such.
Editorial Independence
Labeled Affiliate & Sponsored Content
No Pay-to-Recommend
Found Something That Looks Wrong?
Outdated rules, a broken calculator, a claim that doesn't hold up — tell us. We'd rather fix it than leave it up.