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