About KharchaUdhar

KharchaUdhar is run by lending professionals who have spent the last decade inside Indian banks and NBFCs - working on credit policy, underwriting models, digital personal loan journeys, and product design. We started this site because most personal loan content written for Indian consumers is produced by content writers who have never sat inside a credit team. The result is generic advice that misses what actually drives an approval decision - and what protects a borrower from a bad loan. KharchaUdhar offers the inside view: what lenders actually look for, when a personal loan is the right choice, and when it is not. Our calculators, comparisons, and articles are built for salaried Indians who want a clear, honest read before they apply.

Who publishes KharchaUdhar

KharchaUdhar is published by Nitanya Digital Ventures, a sole proprietorship registered in Faridabad, Haryana under Udyam registration UDYAM-HR-03-0166405. It is run by Puneet Sanwal.

The background matters for a site about borrowers and credit card users, so here it is. Roughly a decade in retail lending and fintech product roles across ICICI Bank, Paytm, and DMI Finance, on the side of the table where credit policy is written, underwriting rules are set, and loan products are designed. Not as a borrower, and not as a content writer researching the topic from outside.

That is the whole reason this site exists. Most Indian personal finance content is written by people who have never seen a credit policy document. The rules that decide whether an application is approved are not secret, but they are almost never explained in public.

How we make money

Affiliate commissions, disclosed in full on our Affiliate Disclosure page. No lender pays us for a ranking. No article is sponsored. We do not charge readers.

How we work

Our editorial standards, verification schedule, and correction policy are on our Editorial Policy page.

Contact: hello@kharchaudhar.com