Oquilia — India's Financial Intelligence Platform
OQUILIA
See through the fine print.
IRDAI · CBDT · RBI · SEBI · PFRDA
Sunday, 17 May 2026
I want to calculate something
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Six tools that cover most decisions. Need something else? Search our 150+ calculators — bank rates, NRI tax, corporate finance, retirement, and more.
SIP Calculator
Project monthly investments into long-term wealth.
Home Loan EMI
Monthly EMI, total interest, and full amortisation.
Income Tax Calculator
Old vs new regime — exact rupees saved, instantly.
FD Calculator
Compare FD rates across SBI, HDFC, ICICI & 15+ banks.
PPF Calculator
Model the full 15-year cycle with 80C tax benefits.
ELSS Calculator
Tax-saving equity funds with 3-year lock-in.
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Long-form analysis, plain-English definitions, and an AI advisor that actually reads policy documents — pick whichever matches your attention span.
April 2026 Recap: RBI Repo, Tax Filing Deadlines, and What Changed for Indian Investors
Monthly summary of RBI policy decisions, IRDAI rule changes, market movements, and what they mean for SIP investors, home-loan borrowers, and tax-payers in India.
Read the guideLook up a financial term
200+ definitions in plain English — XIRR, NAV, GST, HRA, every acronym you've ever stared at.
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“Should I prepay my home loan?” — get a reasoned answer that pulls from policy wordings and IRDAI/SEBI data.
Start a conversationI want to compare insurance & loans
Side-by-side, no marketing fluff
Oquilia Score combines IRDAI claims-settlement ratios, hospital network breadth, and clause-by-clause policy reading. Below is a preview — the full table covers 30+ insurers and 25+ banks.
| Insurer | Oquilia Score | Claims Difficulty | CSR | Network | |
|---|---|---|---|---|---|
| Star Health | 8.2 | Low | 94.4% | 14,000+ | View |
| Niva Bupa | 7.9 | Low | 92.1% | 10,000+ | View |
| HDFC ERGO | 7.8 | Low | 91.8% | 13,000+ | View |
| Care Health | 7.5 | Medium | 89.5% | 21,000+ | View |
- 8.2
Star Health
Claims: Low · CSR 94.4%
- 7.9
Niva Bupa
Claims: Low · CSR 92.1%
- 7.8
HDFC ERGO
Claims: Low · CSR 91.8%
- 7.5
Care Health
Claims: Medium · CSR 89.5%
Showing 4 of 30+ insurers
Compare all health plansI'm in trouble
Recovery action, claim denial, or dispute?
You have rights. RBI, IRDAI, and SEBI all run free escalation channels — most people just don't know how to use them. Start here.
7 borrower rights every Indian should know
Recovery agents have rules. Banks must give you a copy of the loan agreement. SARFAESI proceedings can be challenged. Read the full guide before you take any phone call from a recovery agent.
Read the guideHow to escalate a grievance
Step-by-step: bank or insurer first, then the RBI / IRDAI / SEBI Ombudsman. Free to file, deadlines for response, and the specific forms each regulator wants.
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Primary regulatory data
Numbers come from IRDAI, SEBI, RBI, and AMFI publications.
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Latest Gotcha
Room rent sub-limits can slash your claim by 60%
A 1% sub-limit on a ₹5L policy caps room rent at ₹5,000/night — and the insurer reduces your entire claim proportionally.
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