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New

30/06/2025

Credit Bureau & Bank Stateme͏͏nt: Ho͏w the Duo Reduc͏es Lending ͏͏R͏isk

With r͏eta͏͏il NPAs͏͏͏ ͏hi͏tt͏in͏g a͏ ͏multi-ye͏a͏r l͏ow ͏of ͏2.8% i͏n 2͏02͏4,͏ fina͏ncia͏l i͏ns͏titutio͏ns sa͏w͏͏ 51% m͏or͏e con͏sum͏ers m͏on͏ito͏ri͏͏ng͏ their CIBIL͏ […]

New

27/06/2025

Understanding RBI’s Decision to Exclude Fintech-Sourced Loans from Default Coverage

In a decision that could drastically change how fintech companies associate with non-banking financial companies (NBFCs), the RBI, on June […]

New

23/06/2025

Beyond CIBIL Scores: Pulling Hidden Insights from Consumer Credit Bureau Report

Traditional credit scoring, led by CIBIL and other bureaus, has been the backbone of lending decisions for many decades. However, […]

New

18/06/2025

NBFC Software: What Lenders Need to Know About Pricing

Investing in NBFC software involves more than selecting the most suitable technology. It’s a strategic decision that has direct implications […]

13/06/2025

Addressing the Short-term vs Long-term Cash Flow Analysis Dilemma

Delinquencies in India increased by 44% among personal loan borrowers between Dec ’23 and June ’24. This highlights the importance […]

09/06/2025

GST Returns vs. Bank ͏Statemen͏ts: T͏he Power͏ of Cross-Verification in B͏usiness Lending

Indi͏a is home t͏o over 14 million registered͏ GST taxpayers as of 2024, refl͏ecting the v͏ast ͏scope of businesse͏s c͏om͏plyin͏g […]

04/06/2025

The Art and Science of Alternative Credit Scoring Using Bank Statement Analysis

Why is alternative credit scoring gaining momentum in India? Before exploring the reasons, let’s take a quick look at the […]

31/05/2025

Why Bank Statement Verification Fails: Human Element Behind Digital Lending Mistakes

Although technological advancements have revolutionised and streamlined bank statement verification, a few problems persist – fake or tampered bank statements. […]

26/05/2025

Why RBI’s Deputy Governor Says Sustainable Finance Carries Higher Risk

In 2024, In͏di͏a attracte͏d o͏ver $5.1 ͏billio͏n in green finance, becoming the sec͏ond-largest fund͏i͏ng hub for c͏limate-͏related ventures, just behind […]

21/05/2025

4 Major Challenges Faced by Fintech Companies in Document-heavy Lending

Despite showing promising signs of revitalising Indian lending, the challenges faced by fintech companies are by no means insignificant. These […]

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