It has never been easier – or harder – to get a loan; in 2025, Indian consumers face dozens of banks, hundreds of NBFCs, and an ever-expanding galaxy of fintech lenders. In theory, more lenders means more financial choice; in reality, it leads to confusion. Borrowers often feel bombarded with options, teaser rates, and terms that they can hardly wrap their heads around. Sadly, the typical borrower, from retail to super prime, tends to be habitual and simply goes to the closest branch, checks with their friends, or just picks the first lender that approves their loan. The outcome? Bad loans, extra EMIs, and lost rupees in foregone savings.