# A source baseline your editor can use
Prepared: 2026-09-19
Demonstration work prepared from the project's recorded lender research. This is not client work, a live monitoring service or an independently reviewed financial report. No lender shown is a customer or partner.

This is a baseline, not evidence of changes since a prior report. There is no comparable earlier observation. The recorded research date is not an effective date or a live-status guarantee.

## Bajaj Finance
Recorded finding: The recorded research distinguishes term-loan and Flexi repayment patterns.
Editorial action: Label a standard EMI example as a term-loan illustration. Check the exact variant before applying its repayment pattern or charges.
Open follow-up: Confirm the applicable variant and current offer documents.
Source: https://www.bajajfinserv.in/personal-loan

## Tata Capital
Recorded finding: The recorded research separates interest, APR and processing-fee tax treatment.
Editorial action: Explain each measure separately. Do not add APR to the interest rate or present an advertised starting rate as a personal quote.
Open follow-up: Check the exact fee triggers and tax treatment in the offer.
Source: https://www.tatacapital.com/personal-loan/rates-and-charges.html
Source: https://www.tatacapital.com/personal-loan.html

## Aditya Birla Capital
Recorded finding: Two recorded official pages show different rate and processing-fee combinations; their offer scope has not been reconciled.
Editorial action: Keep the discrepancy visible. Do not combine the cheapest numbers from different pages.
Open follow-up: Resolve the product/channel and legal lender. The specific-page research used official search extraction when direct retrieval failed.
Source: https://www.adityabirlacapital.com/loans/personal-finance/personal-loan
Source: https://www.adityabirlacapital.com/loans/personal-finance
Source: https://www.adityabirlacapital.com/loans/interest-rates-and-service-charges

## IIFL Finance
Recorded finding: The recorded charges table and product/FAQ text give different starting-rate figures.
Editorial action: Leave the comparison's unresolved rates unknown. Discuss repayment timing and collateral risk using clearly hypothetical examples.
Open follow-up: Request the dated scheme terms before describing a price as applicable.
Source: https://www.iifl.com/gold-loans/interest-rates-and-charges
Source: https://www.iifl.com/gold-loans

## Two draft editorial updates
Beside the Aditya Birla rate summary
The recorded official sources show different public rate and processing-fee figures. Match the exact product and channel to its current schedule before comparing costs. Use the lender's written offer instead of combining the lowest figures from separate pages.
Acceptance check: Keep the conflict, research date and retrieval limitation visible; do not imply a personalised quote.

Before the IIFL repayment example
Ask for the scheme name, annualised cost, payment dates and total charges in writing. The recorded public pages give different starting figures, so this guide does not select one as your price. Include any final principal payment in your budget alongside monthly interest.
Acceptance check: Do not claim a universal starting rate or use one EMI pattern for every scheme.

## Handoff
A designated editor reviews these drafts and unresolved questions before publication. At the next agreed observation, compare the same fields and retain both dates. If a source is unavailable, retain its last dated observation and label the limitation; do not invent a new checked date or value.
This sample creates no order, invoice, payment entitlement or customer relationship. Qualified legal/financial and native-language review are outside the proposed scope.