Our Story
Fincado started from a frustration that many Indian borrowers share: when I was comparing home loan rates across banks, I couldn't find a single place that showed real, current rates from multiple lenders side by side — without pushing me toward a broker or a referral link.
Most financial sites in India are either too broad to be useful, or they're covertly earning commissions for steering users toward specific products. I built Fincado in 2024 to be neither. It's funded by advertising, not by loan referrals, which means every ranking, comparison, and guide is based purely on publicly available data and honest analysis.
Who Runs Fincado
My name is Nitin Kaushik, and I am the founder and editor of Fincado. I have a strong interest in Indian personal finance — particularly the intersection of lending, tax planning, and long-term wealth building that affects ordinary salaried professionals and first-time homebuyers.
I research, write, and maintain the content on this site directly. All guides are cross-checked against RBI circulars, official bank disclosures, and the Income Tax Act before publication. Where data changes (such as interest rate revisions), I update the affected pages as quickly as possible.
You can reach me directly at support@fincado.com for corrections, feedback, or editorial questions.
Our Mission
Financial literacy remains a challenge in India, where people often make loan, tax, and investment decisions without clear guidance. Fincado bridges this gap by providing transparent, unbiased, and easy-to-understand financial tools.
Our mission is simple:Help every Indian make better financial decisions with clarity, confidence, and accuracy.
What We Offer
Fincado combines calculators, guides, and learning resources into one platform:
- Loan calculators (EMI, Home Loan, Personal Loan, etc.)
- Investment tools (SIP, FD, Savings, Retirement planning)
- Credit score improvement guides
- Researched financial guides and in-depth analysis
- In-depth Indian finance knowledge and eligibility insights
- AdSense-supported free access to all tools
Why Trust Fincado?
Fincado is designed with transparency and accuracy at the core:
- All tools use RBI-aligned formulas and Indian market standards.
- No misleading promotions or biased ranking of banks.
- Up-to-date interest data and structured calculations.
- Clear disclaimers and no hidden commercial agenda.
Technology & Accuracy
Built on modern web technologies like Next.js, React, and TypeScript, Fincado ensures fast, secure, and seamless performance across all devices.
Our calculators are optimized for:
- High accuracy with RBI-recognised EMI formulas
- Indian compounding rules (monthly, quarterly, annual)
- Tax estimation logic for Indian slabs
- Loan eligibility heuristics used by major banks & NBFCs
Focused on Indian Users
Unlike global calculators, Fincado is tailored exclusively for the Indian financial environment:
- Indian tax slabs & rules
- Local interest rate ranges
- Indian banking processes (FOIR, CIBIL limits, LTV ratios)
- India-specific financial terminology
Our Future Vision
Fincado is evolving constantly. In the coming months, expect:
- More specialized financial calculators
- Personalized financial planning guides
- Loan comparison engines
- Realtime interest rate updates
- Mobile-first optimisation for all tools
Our long-term goal is to become India’s most trusted, accurate, and user-friendly financial knowledge platform.
Contact Us
If you have questions, feedback, or partnership requests, feel free to reach out:
Typically replies within 1–3 business days.