A working capital loan file lands on a VP Credit’s desk at a mid-sized NBFC: three PDF bank statements, a screenshot of a GST portal filing, and a scanned ITR acknowledgment. None of it arrived through an API. This guide sets out what a financial statement analysis API India lenders can trust actually needs to […]
Lenders and NBFCs that built compliance frameworks on RBI’s 2022 Digital Lending Guidelines are now referencing a formally repealed set of rules. The RBI (Digital Lending) Directions, 2025, issued on 8 May 2025, replaced those guidelines along with two other circulars, added new structural requirements for borrower protection, and tightened data obligations with measurable deadlines. […]
