About PaisaExpert
India deserves an honest, well-researched, editorially-led guide to personal finance. We're building it.
Krish Dalal
Founder and editor, PaisaExpert.
I'm Krish Dalal. I run PaisaExpert from Mumbai, which is also where this whole story starts.
Before any of this, I spent about four years writing for sports media here, first at CricketGraph, then at Sportskeeda. Cricket coverage taught me a habit I didn't fully appreciate at the time: if you write that a player averages 47, you'd better have pulled that number yourself, because some reader will check, and they should. I carried that habit into a Master's in business management at SP Jain in London, and honestly I never managed to shake it.
London is where the idea landed. People there talk about MoneySavingExpert the way they talk about a sensible friend who happens to know about money. Martin Lewis started it from nothing and eventually sold it for 87 million pounds, but the money isn't really the point. The point is that the seat was empty, and he sat in it. The US has NerdWallet and The Points Guy. Australia has Canstar.
India doesn't have that. Not really.
What we have instead is a lot of comparison sites that quietly rank whichever credit card pays them the most, news outlets chasing the next headline, and a steady supply of finfluencers with a hot tip for the week. Plenty of noise. Not much that's actually on your side.
I kept waiting for someone to build the independent, genuinely editorial version for Indian readers. The kind that assumes you're a grown adult who can handle a straight answer about your own money. After a while it stopped feeling like a gap and started feeling like a thing I should just do.
So that's what PaisaExpert is meant to be. Every number sourced, every claim something you could verify yourself, and no padding to fill a word count. If you disagree with me, I'd rather you disagree with the facts in front of you than take my word for it.
My measure of whether this works is pretty simple. If I'm doing my job, the version of you reading this a few years from now has more money, loses less sleep over it, and gets to retirement with real choices. That's the only scorecard I care about.
Background
- Master's in Business Management, SP Jain School of Global Management, London (2025)
- Editorial and content roles at CricketGraph (Mumbai) and Sportskeeda
- Independent personal finance writer, based in Mumbai
What you can hold me to
- Every number on this site has been calculated, not pulled from memory.
- If a product is recommended on PaisaExpert, I would put my own money on it.
- If something here is wrong and you flag it, the correction goes up within 48 hours with a visible note.
- No paid placements. Affiliate disclosures appear on every relevant article.
- PaisaExpert is not a SEBI registered Investment Advisor or Research Analyst. Nothing on this site is personalised financial advice. Verify with a registered professional before making investment decisions.
Why this gap exists
The UK has MoneySavingExpert.com. Martin Lewis built it from scratch and sold it for £87 million, because the role of 'trusted friend for money decisions' was empty. The US has NerdWallet and The Points Guy. India has BankBazaar and Paisabazaar, but those are affiliate-driven comparison engines, not editorial brands. ClearTax is tax-focused. Finshots is a great morning news brief but isn't an advisor. MoneyControl chases markets headlines. Nobody owns the 'honest, well-researched, trusted-friend' position. We're building that.
What we are
A free guide to making every rupee work harder. We write about cards, loans, savings, investing, insurance, tax, household bills, and the everyday financial decisions Indians make without enough information. We do this in plain English, with calculators that show you the rupee impact of every choice.
What we aren't
- We aren't a comparison engine. BankBazaar and Paisabazaar already do that, and the conflict of interest is structural, not fixable.
- We aren't a news outlet. Finshots, Moneycontrol and ET Now do that. We don't repackage press releases.
- We aren't a finfluencer channel. There's no hot-take strategy of the month.
- We aren't a sales funnel. No bundled products. No paid placements. No 'exclusive' affiliate-driven recommendations.
Our editorial principles
- Primary sources first. Before we write about a regulation or a product, we read the original document (the regulator's circular, the Act, the product brochure) and link to it.
- Run the numbers. Every claim involving money is checked in a spreadsheet by the writer and re-checked before publish. If a recommendation is calculator-led, the calculator math is unit-tested.
- Would we do it ourselves? Before publishing any product or strategy recommendation, the team asks the same question. If the answer is no, the article either changes or doesn't run.
- Date-stamp everything. Every article carries a 'last updated' date. Rate-sensitive pieces re-review monthly. Strategy pieces re-review every 12 months.
- Behaviour over information. Every article ends with a 'what to do next' box. If you read us and don't change anything, we failed.
How we sustain the site
We are independent and editorially-led. Over time, the site will be supported in part by affiliate relationships with financial products we already recommend on merit. When that happens, it will be disclosed clearly on every relevant page, and never change a ranking, an avoid-this call, or a critical piece. The full policy is on our editorial code page.
How to reach us
Found something wrong? Have a story we should write? Notice a hidden charge or mis-selling pattern we should expose? Email us at hello@paisaexpert.com. We read everything.
Last reviewed: 2026-05-01.