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Data Sources

Where our city-level loan market data comes from, how we use it, and how often it is updated.

Dataset last updated: 1 June 2026

🏛️

NHB RESIDEX

Property Price Data

National Housing Bank's Residential Property Price Index. Used for city-level property price per sqft, 1-year and 5-year price growth trends.

Coverage

27 cities, quarterly updates

Used for

avgPricePerSqft, priceGrowth1Y, priceGrowth5Y

🏦

RBI DBIE

Banking & Credit Data

Reserve Bank of India's Database on Indian Economy. Used for bank branch counts by district, credit-deposit ratios, and lending rates.

Coverage

All India, monthly/quarterly updates

Used for

bankBranches, avgInterestRate

👥

Census of India 2011

Demographics

Primary source for city population figures and household income estimates. Extrapolated forward using state GDP growth rates.

Coverage

All India cities, decennial

Used for

population, avgHouseholdIncomeMonthly, employmentSplit

📋

Lender Published Rates

Interest Rates

Interest rate ranges sourced directly from lender websites (SBI, HDFC, ICICI, Axis, PNB Housing, LIC Housing, Bajaj Finserv, Kotak, Tata Capital, MoneyView). Verified monthly.

Coverage

10 major lenders, monthly refresh

Used for

avgInterestRate, lender rate comparison table

🏗️

Ministry of Housing & Urban Affairs

Infrastructure Data

Smart Cities Mission data used to identify smart city designations. Metro project data cross-referenced with individual metro corporation announcements.

Coverage

100 Smart Cities

Used for

smartCityProject, metroConnectivity, upcomingProjects

📊

NBFC Aggregator Reports

Approval Rates

Approval rates are working estimates derived from publicly available NBFC annual reports, fintech lender disclosures, and industry association (FIDC) reports. These are directional estimates, not exact figures.

Coverage

Top 20 cities

Used for

approvalRate

⚠️ Data Accuracy Notice

City-level loan market data is inherently difficult to source precisely. Approval rates, average ticket sizes, and income figures are working estimates based on the sources above, and should be treated as directional indicators rather than exact figures. KitnaLoan.in updates this data periodically but does not guarantee real-time accuracy. Always verify loan terms, rates, and eligibility directly with your chosen lender.

Update Schedule

🔄 Monthly: Lender interest rates, processing fees

🔄 Quarterly: Property prices (NHB RESIDEX updates)

🔄 Annually: Population, income, employment split estimates

🔄 As announced: Infrastructure projects, smart city designations

Data Update Log

Date	What changed	Cities	Source
1 Jul 2026	Interest rates updated post RBI June 2026 meeting	all	Bank rate cards
1 Jul 2026	Population and property prices corrected for top 10 cities	Mumbai, Delhi, Bangalore, Hyderabad, Chennai, Kolkata, Pune, Ahmedabad, Gurgaon, Noida	Census 2011, NHB RESIDEX