Data stories
Articles written from the facts Qrates collects: licences, permissions, complaints, fees and waiting periods.
- 9 trading apps on Google Play that RBI says are not authorised: Apps you can install today from Google Play that appear on RBI's Alert List of unauthorised forex trading platforms, matched by name and website.
- Groww vs Zerodha vs Upstox vs Angel One: what the data says: India's four biggest broking apps side by side on licences, complaints, replies to users, phone permissions and recent ratings. No affiliate links.
- 25 of 138 loan apps can read your contacts: Which Indian loan apps ask to read your contacts and SMS, from their own Google Play listings, with the 25 most used apps checked one by one.
- Which stock broking apps actually reply when you complain: How often 20 of India's most used broking apps reply to one and two star Google Play reviews, and how fast.
- Health insurance policies with the shortest wait for pre-existing diseases: The 20 retail health policies with the shortest pre-existing disease waiting period, read from their IRDAI-filed wording. No commission.
- 55 lifetime free credit cards that still give airport lounge access: Credit cards with no joining fee and no annual fee that include domestic or international lounge visits, from the issuers' own documents.
- What changed in India's money apps: October 2026: Permissions apps started asking for, charges that appeared and new apps, across every money app Qrates tracks, in the last 30 days.
Articles
- Is 2WinTrade-Platform for Profit safe and registered in India?: The Reserve Bank of India placed 2WinTrade on its Alert List for unauthorised forex trading. We could not match a regulatory licence for this platform on the official registers we check. Read on to see its exact phone permissions and what users complain about.
- What is the pre-existing disease waiting period in health insurance?: The pre-existing disease waiting period is a mandatory pause before your health insurance covers a medical condition you already have. Under new IRDAI rules, this wait cannot exceed 36 months. During this time, the insurer pays for new illnesses but rejects claims linked to your older conditions.
- Angel One vs Groww vs Investing.com: Stock Broking and Trading Apps Compared: Angel One and Groww are SEBI-registered stock brokers where you can open a demat account and buy shares. Investing.com is a market data app for checking stock prices. Compare their official licences, brokerage fees, phone permissions, and what users complain about on the Google Play store.
- Is Olymptrade safe and registered in India: 2026 RBI Alert List facts: Olymp Trade is on the Reserve Bank of India Alert List. We could not match a SEBI licence on the registers we check. The RBI states the platform is not authorised to deal in forex. Recent user reviews average 2.79 out of 5, with the top complaint being that money did not arrive.
- What to do in the first hour after a UPI fraud to get your money back: If you lose money to a scam, you must act fast. The first thing to do after a UPI fraud is call the 1930 cyber crime helpline to freeze the scammer's account. You then have three working days to report the unauthorized transaction to your bank to secure your right to a refund under RBI rules.
- Google Pay vs PhonePe: UPI limits, recharge fees and phone permissions: Both Google Pay and PhonePe let you send money and pay bills using the NPCI UPI network. The main differences lie in their customer support reply rates and the extra fees they charge for mobile recharges. This guide compares their transaction limits, phone permissions, and user complaints.