03Coming next
Fixed deposit
Compare bank and corporate FDs by rate, tenure, liquidity and credit risk.
Independent money guidance for India
Money Decisions, minus the bakwaas
Credit cards, UPI apps, deposits and the rest are tools. The point is a month with more money left, less time lost, cover for health, and room for the people you care about.
Issuer terms checkedMaths shown in rupeesNo paid rankings
Explore money products
Start with the decision you need to make.
Credit cards and UPI apps are open. Every other category gets the same treatment: current terms, useful comparisons and plain-English catches.
01Explore live cards
Credit cards
Compare rewards, fees, eligibility and the catches behind headline offers.
02Compare live apps
UPI apps
Compare PhonePe, Google Pay, super.money, Kiwi, BHIM and other apps for rewards and reliability.
04In the queue
Bank accounts
Compare savings accounts by balance rules, interest, charges and service.
05On the roadmap
Mutual funds
Understand categories, costs, risk, taxation and portfolio fit.
06On the roadmap
Stocks
Research businesses, brokers, costs and the risks behind individual shares.
07On the roadmap
IPOs
Read the offer, valuation, use of funds and risks before applying.
08Scope being defined
Gold
Compare physical gold, ETFs, funds, bonds and digital alternatives.
09On the roadmap
Insurance
Compare protection, exclusions, claim conditions and actual policy cost.
Tool / 01Money over time
You put in₹12,00,000
Illustrated value₹20,65,520
Illustrated gain₹8,65,520
Give time a number
A small amount, left alone, is the quiet way to have more later.
This is the standard SIP future-value formula. Change the return and the picture changes with it. Use it to see the scale, then read the scheme before you invest.
Open the SIP calculatorRun the boring numbers
A 5% headline can still lose to a no-fee card.
Enter what you normally spend. Subtract the annual fee, respect the reward cap and give a benefit no value when you would never have paid for it yourself.
Read card comparisonsTool / 02Reward reality check
Estimated yearly rewards₹10,800
Annual fee₹999
Net yearly value₹9,801
Credit cards
One wallet decision, with the brochure left out.
You get a category to investigate, not a bank lead. We do not ask for a phone number or pass your details to a sales desk.
₹20k₹3L+
Your card lane
Get my direction Cashback, without the coupon maths
Prioritise broad online and grocery rewards, a low annual fee, and a monthly cap that fits your normal spend.
This is a starting point, not financial advice. Bank eligibility rules still apply.
Credit cards, continued
What makes a credit card good?
A useful card returns more than it costs under spending you already do. Check the fee, cap, exclusions and redemption value together; any one of them can change the result.
Fit before fame
The best-reviewed card can still be wrong for your salary, city or spending pattern.
Value after fees
Subtract the annual fee before celebrating points, miles or cashback.
Full payment, always
Interest can erase months of rewards. Pay the total amount due on time.
Straight answers
Before you pick a product.
The product is the vehicle. A richer month is the destination.
What is Motabhai for?
Clear comparisons for Indian money products: credit cards, UPI apps, and the deposits, accounts and investments that follow. The aim is a more comfortable life, with more money left, less time wasted, and cover for health and family.
Which UPI app should I keep?
Keep one app you can reopen when a payment fails and the money has already left. Add a second app for cashback only while that reward still pays on the transfers you actually make. Compare the live list before you install a fourth app.
How do I choose a credit card in India?
Start with where you already spend, then compare the annual fee, realistic reward value, eligibility and redemption rules. A good card returns more than it costs without asking you to spend extra.
Are credit-card rewards worth the annual fee?
Rewards are worth the fee only when the value you can actually redeem exceeds the fee and other costs. Use the reward check on this page with your normal monthly spend, then ignore benefits you would never have paid for yourself.
One rule survives every comparison
Good money choices make ordinary life more comfortable.
If a product needs extra spending, constant tracking or a balance you cannot clear, leave it on the shelf. Keep the one that gives you money, time, health and calm.