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 studied business management at SP Jain School of Global Management in London. Before that, I spent four years working across editorial and content roles in Mumbai sports media at CricketGraph and Sportskeeda, where I learned the discipline that, in retrospect, defined my approach to everything I write: every number sourced, every claim verifiable, no fluff. Reader trust is the only currency a publication actually owns.
When I moved to London for the masters programme, I noticed something that kept bothering me about home. The UK has MoneySavingExpert: Martin Lewis built it from scratch and sold it for £87 million, because the role of 'trusted friend for money decisions' was empty when he started. The US has NerdWallet and The Points Guy. Australia has Canstar. These are editorial brands that treat money decisions with the same seriousness a doctor treats medical ones: clear, sourced, unbiased.
India does not have one.
We have affiliate-driven comparison engines (BankBazaar, Paisabazaar) optimised for whichever credit card or loan pays them the highest commission this quarter. We have news outlets (Moneycontrol, ET Money) that chase headlines instead of advising readers. We have finfluencers pushing the trade of the week. And we have bank relationship managers selling whatever product their incentive structure points at.
What we do not have is a genuinely editorial, independent, well-researched voice that treats Indian readers as intelligent adults who can handle the truth about their money.
PaisaExpert is that voice. Built independently. Funded eventually by affiliate relationships with products we recommend on merit (never paid placements). Focused on one job: making every rupee you earn work harder for you.
If I do my job right, the version of you reading this in five years is wealthier, less stressed about money, and reaches retirement with options. That is the bar I am working to.
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.