Your underwriter approved a Mumbai trading firm in 48 hours. Clean documents, stable cash flow, CIBIL score of 730. Eight months later, it’s restructured. The Jaipur application you rejected last week? Your competitor funded it, and it’s performing. Same underwriting model. Same credit policies. Different states, different outcomes. India’s ₹46 lakh crore small business credit […]
Your underwriting team approved a ₹10 lakh loan yesterday. The bank statement showed stable income and salary deposits within the first week of the month. However, they missed a monthly withdrawal of ₹ 60,000 on the same date for six consecutive months. Is it something that requires further investigation, or does the account holder have […]
The surge in the lending market in India is already expected to reach $724.2 billion by the end of this year. This requires lenders to rely on intelligent solutions that expedite and strengthen decision-making. Lenders need bank statement analysis tools that go beyond basic document review. They need platforms that extract actionable insights from raw […]
As digital lending accelerates across India, financial institutions are evaluating bank statement analysis platforms that can handle growing portfolios while maintaining accuracy and compliance. Pro Analyser is a newer platform in the bank statement analysis space. However, Precisa has led this market for years, establishing the standard that newer entrants now attempt to match. NBFCs, […]
Even with digital adoption, loan approvals in India still take considerable time. A major part of this delay comes from manual bank statement verification and financial assessment. Analysing one application traditionally takes 30 to 45 days. For a lending institution processing 100 applications monthly, that’s 3,000 to 4,500 days of cumulative work. As a result, […]
Fixed Obligation to Income Ratio (FOIR) shows how much of your monthly income is already locked into fixed payments. This includes EMI payments, rent, and insurance premiums. When you apply for a loan, lenders assess your FOIR ratio to see if you can handle more debt. Most lenders in India favour your FOIR to stay […]
We’re excited to announce the release of the most significant update of Precisa, delivering enhanced Pay-Per-Use capabilities and automatic government benefits detection in transactions. This release addresses the top user requests for flexible credit purchasing whilst advancing financial inclusion through intelligent transaction categorisation. Available now for all Precisa users, this update fundamentally changes how lenders […]
Lending has never been a one-person job. Credit risk managers, compliance officers, and other financial teams must review the same applicant bank statements before making a decision. However, doing this manually without the right financial analysis platform can lead to costly errors. Consider this: data shows that 43% of occupational frauds were caught through tips, […]
Loan defaults are surging in India, especially for small-ticket and unsecured loans sectors. According to new data from March 2025, delinquencies (overdue by 90 days) spiked to 3.6%. Default rates are notably high among young borrowers and those in tier-3 cities. While traditional risk-scoring methods work fine, they rely heavily on credit history and CIBIL […]
Today, the landscape for DSA Services and Direct Selling Agent operations is ͏shifting͏ ͏fast. Historically, ͏Direct Selling Agent teams͏ ͏u͏͏sed manual risk͏͏ assessments,͏ relying on spreadsheets, gut feel, and ͏time͏͏‑intensive ͏paperwork. That approach led ͏to slow ͏decisions and higher operational ͏risk.͏ Now, emerging ͏͏AI tools ͏offer precision: predictive analytics, ͏natural language processing͏, and real-time ͏͏monitoring. […]
