India's most transparent research platform for loans and health insurance.
We built FinResp because the numbers that actually matter — whether your loan rate is still competitive, whether your health claim will get paid — are buried in RBI circulars and IRDAI annual reports that almost nobody reads.
We read them so you don't have to.
Most Indians overpay on loans and under-insure — and don't find out until it's too late.
On loans, the problem is structural: banks rarely tell existing customers when market rates drop, and most borrowers never recalculate whether their rate is still competitive years into a 15–20 year loan.
On insurance, IRDAI publishes claim and solvency data every year — it just never reaches the buyer, because most platforms that show you insurance data also earn commissions from the insurers they recommend. When 8% of claims are rejected and 43.4% of every rupee spent on healthcare comes directly from your pocket, the insurer you choose matters far more than the premium you pay.
Four tools.
One purpose.
300+ Health Plans Analysed
Every plan verified from official policy documents — not broker summaries. Room rent, co-pay, PED waiting, restoration, ambulance — 25+ data points each.
Loan Health Score & Analyzer
EMI, true APR, and balance-transfer verdicts across 4 loan types, checked against RBI-linked rules and market rate benchmarks — refreshed regularly, not a one-time snapshot.
Tejas — Guided Assistant
A guided assistant built on fixed rules, not AI. It asks the right questions for your loan, your health cover or your savings and shows what actually fits. No upselling. No commissions.
The Fine Print
Research articles based on IRDAI Annual Reports and National Health Accounts. ICR breakdowns, state-wise OOPE, solvency data — things most buyers never see.
No commission.
Official data.
No commission. Ever.
FinResp earns zero commission from any insurer or lender. Every platform that sells products alongside comparison has a structural conflict of interest. We don't.
Official data, not marketing data.
Insurance numbers come from IRDAI Annual Reports and National Health Accounts. Loan benchmarks are RBI-linked rules and tracked market rates, refreshed regularly — never insurer or lender marketing copy.
No data required to research.
Every tool works without an account. An email login is only needed if you choose to save your loan portfolio across visits — never to see a loan verdict, rate a policy, or read any research.
Every number has a source.
All data is sourced from official government publications and tracked market rates. No insurer or lender has paid to appear on this platform, paid to improve their ranking, or paid to have reviews removed.
Plan and insurer data as of FY 2024-25. Loan rate benchmarks reviewed regularly.
How FinResp works
A short, plain account of who is behind this site, how its numbers are kept up to date, and what to do if something looks wrong.
- FinResp is an independent, privately run project. No insurer, bank or lender owns it, funds it or has any say in what it publishes.
- It is free to use and needs no account for research. If we ever show advertising, it will be clearly labelled and will never change what we show or say.
- We do not sell loans, insurance or investments, and we earn no commission or referral fee from anyone.
- Fixed deposit rates carry the date they were read, and each bank is re-checked on a schedule. Mutual fund NAVs come from AMFI every day.
- Insurance and loan trends are updated when IRDAI and the RBI publish their annual reports, so the latest year shown can be a year or more behind today.
- We publish a new Fine Print article most Fridays, and skip a week rather than publish something thin.
- Email us. We check the number against its official source and fix it if it is wrong.
- Reviews that are false, promotional or show personal details can be reported on the review itself and are looked at within 24 hours.
Information, not a sales pitch.
Information, not advice.
Start researching. Free. Always.
300+ health plans. 20 insurers. 4 loan types with RBI-linked rate benchmarks. Tejas recommends what actually fits — no upselling, no commissions.
Contact us
Questions, corrections, feedback, complaints and privacy requests: grievance@finresp.com. FinResp is an independent information site; it does not sell loans or insurance, so we cannot arrange, change or cancel a policy or loan.