About UnLoan.in

Our Mission

"I started UnLoan because I believe every Indian deserves clear, unbiased information about loans without the jargon."

Taking a loan is one of the biggest financial decisions most Indians will ever make. Whether it is a home loan that spans 20 years, an education loan that shapes a career, or a personal loan to handle an emergency — the stakes are high, and the information available is often confusing, incomplete, or skewed by commissions.

UnLoan.in exists to change that. We are a free, independent information platform that helps you compare loans, understand interest rates, check eligibility, and make informed borrowing decisions. We do not process loan applications or earn referral fees from banks. Our only goal is to give you the knowledge you need to walk into a bank with confidence.

About the Founder

Arjun Krishnamurthy

Founder & Editor, UnLoan.in

Arjun has over 8 years of experience in finance research, with a deep focus on the Indian lending ecosystem — consumer loans, mortgage products, RBI regulations, and credit scoring. His journey began when he saw friends and family members struggle to navigate the complex world of bank loans, often ending up with unfavorable terms simply because they did not have access to the right information at the right time.

That frustration led to the creation of UnLoan.in — a platform built on the principle that financial information should be free, honest, and easy to understand. Arjun personally researches and reviews every major piece of content published on this site, ensuring accuracy and editorial integrity.

Arjun is based in Coimbatore, Tamil Nadu, and runs UnLoan.in independently. He is not a certified financial planner or advisor — he is a researcher and writer who is passionate about making loan information accessible to ordinary Indians. The guidance on this site is educational and informational, not professional financial advice.

What We Cover

• Loan Types: Detailed guides on home loans, personal loans, car loans, education loans, business loans, gold loans, and loans against property — covering eligibility, documentation, interest rates, and application processes.
• Bank Comparisons: Side-by-side comparisons of 40+ banks and NBFCs, with regularly updated interest rate tables sourced from official bank websites.
• Free Calculators: EMI calculators, eligibility estimators, prepayment tools, balance transfer analyzers, and stamp duty calculators — all free to use, with no login required.
• Credit Score Guidance: Comprehensive guides on CIBIL scores, how they affect your loan eligibility, and proven strategies to improve your score.
• Government Schemes: Detailed coverage of PMAY, Mudra Loans, Stand-Up India, and other government programs that can help you save on interest.
• State-Specific Information: Property registration charges, stamp duty rates, and regional lending patterns across Indian states.

Our Editorial Standards

We hold ourselves to strict editorial standards to ensure that every piece of content on UnLoan.in is trustworthy:

• Primary Sources Only: Interest rates, eligibility criteria, and scheme details are sourced directly from official bank websites, RBI circulars, and government portals. We never rely on third-party aggregators or unverified data.
• Regular Updates: We review and update our content regularly, especially when the RBI announces policy changes or banks revise their rates. Every article carries a visible "last updated" date.
• No Sponsored Content: We do not publish sponsored articles, paid reviews, or advertorials. All editorial content is written independently by our team.
• Transparent Monetization: UnLoan.in earns revenue through display advertising (Google AdSense). We do not earn commissions from banks, sell leads, or monetize user data. Ads are clearly distinguishable from editorial content.
• Clear Disclaimers: We clearly state that our content is informational and should not be treated as professional financial advice. We always recommend that readers verify details directly with the lender before making decisions.
• Corrections Policy: If we publish incorrect information, we correct it promptly and transparently. Readers can report errors by emailing editorial@unloan.in.

How We Are Different

Most loan comparison websites in India operate as lead-generation platforms — they earn a commission every time they send a customer to a bank. This creates a fundamental conflict of interest: they are incentivized to recommend banks that pay the highest commissions, not the banks that offer you the best deal.

UnLoan.in works differently. We earn revenue through display advertising, which means our income is not tied to which bank you choose or whether you apply for a loan at all. This allows us to provide genuinely unbiased comparisons and recommendations.

We also believe in transparency. We clearly disclose our monetization model, our editorial policies, and the limitations of the information we provide. You will never find hidden affiliate links or disguised advertisements on this site.