1. Establish the institution
We begin with Banks in India directory. The legal name, classification, registered details, India website, geographic scope and lifecycle status are checked separately. Redirected domains and foreign-bank country sites are not accepted without confirming the Indian operation.
2. Establish the product
A product needs a current official product page or a clearly product-scoped official document. Banners, campaign slogans, PDF titles, fee-table headings, menu labels and generic services do not establish a product.
3. Review PDFs before the webpage
For every product, we first look for the latest applicable official key facts statement, most important terms and conditions, brochure, policy wording, prospectus, schedule of charges, tariff, application form and rate sheet. We then read the full official product page, including linked downloads, accordions, tables and footnotes. Publication and effective dates are checked so that an older document does not silently override a newer one.
Every page is rendered and read, including headings, tables, cells, footnotes, asterisks and exceptions. Text extraction helps locate material but does not replace the page review. Every applicable fee, tax, rate, threshold, limit, free quota, condition, feature, benefit, required document, complaint route and material legal term is saved or explicitly accounted for in the audit. Decision-useful tables are also preserved with their complete headers, rows, cells, notes, units and exact source page; a min/max summary does not replace the table. A is not marked reviewed merely because selected figures were copied from it.
4. Complete the category checklist
Comparison fields are checked deliberately rather than filled from a generic summary. Insurance reviews look for policy type, insurer, sum insured or cover, premium and its rating conditions, entry and maturity age, policy and premium-paying terms, waiting periods, covered benefits, sublimits, co-pay, deductibles and exclusions. Loan reviews look for purpose, eligibility, interest rate and benchmark, where published, minimum income, maximum finance and loan-to-value, margin, tenure and moratorium, processing and prepayment charges, security, guarantees and concessions.
Cards, accounts, deposits, investments and business facilities have equivalent category-specific checklists covering their decision-critical rates, limits, fees, eligibility, network or provider, rewards, access conditions, tax treatment and maturity or withdrawal rules.
5. Backfill every affected product
A shared PDF table is reviewed once and applied to every named product, plan or variant within its stated scope. Each affected product is checked before moving to the next category. Conflicts, superseded values and uncertain applicability are recorded instead of silently resolved. Temporary downloads and page renders are cleared only after this coverage check and data validation pass.
6. Attach evidence to every fact
Each structured fact stores its value, optional normalized value, unit or rate kind, official URL, source type, exact section, page or row, effective date, access date, short context and confidence. That evidence appears inside the fact itself on the product page. Complete published tables remain separate structured records so users can inspect the original row-and-column relationships. If a decision-critical value is still awaiting a PDF or full official-page review, the comparison cell stays blank and is placed back in the review queue. We do not replace it with generic filler or infer a value from a different product; a verified “not published” outcome remains in the audit evidence.
7. Keep unlike concepts separate
Rates
Interest, , monthly finance charge, penal charge, cashback and reward earn rate are different fields.
Fees
Joining, first-year, annual, renewal and waiver conditions remain distinct.
Balances
, , , relationship balance and initial deposit are not interchangeable.
Benchmarks
, , and repo-linked terms retain their published benchmark and reset context.
8. Publication and review status
A bank review is complete only after the public catalogue found during the review has been resolved. Every valid bank and product route remains crawlable, while the page visibly distinguishes verified, in-progress, pending, active and inactive records. The audit ledger records pages, documents, additions, updates, removals and unresolved questions.