Nitish Bharadwaj

Personal Finance Editor · 8+ years experience

Nitish Bharadwaj is a personal finance editor with over 8 years of experience in financial journalism and consumer finance analysis. He founded Aapka Bharadwaj — "Paisa, Saral Bhasha Mein" — to make complex financial products genuinely understandable for everyday Indians. His analysis is grounded in primary sources: RBI circulars and monetary policy statements, SEBI regulations and mutual fund disclosures, IRDAI guidelines for insurance products, and direct communications with lenders and card issuers. He has reviewed and written about more than 180 financial products across credit cards, personal loans, home loans, insurance, fixed deposits, and market investments.

Areas of expertise

• Credit Cards
• Personal Loans
• Home Loans
• Credit Score
• Term Insurance
• Health Insurance
• Mutual Funds & SIPs
• Fixed Deposits & Savings
• Income Tax Planning

Corrections and updates

• Oct 2026 — Credit-card marketplace re-audited: fees, reward rates, lounge access and forex markups for all listed cards re-checked against each issuer's own pages. Cards whose availability could not be confirmed are marked as such and no longer recommended.
• Oct 2026 — Income-tax return guide updated for AY 2026-27: filing deadlines that have passed, and the belated, revised and updated-return rules that now apply.
• Oct 2026 — Loan prepayment articles corrected to match the RBI rule on foreclosure charges for floating-rate loans to individuals.
• Oct 2026 — Overlapping articles merged into single, longer guides; old links redirect to the surviving page so nothing you bookmarked breaks.