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Phone number: +91 98450 76647

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

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 generally include a combination of a complex regulatory framework, evolving operational guidelines by the Reserve...
Read More
͏13 Bi͏ggest ͏Mist͏akes Lenders Mak͏e When Setting Up Early Warning Signals in Credit Appraisal Systems

͏13 Bi͏ggest ͏Mist͏akes Lenders Mak͏e When Setting Up Early Warning Signals in Credit Appraisal Systems

In 2023, India’s gross non-performing assets (NPAs) stoo͏d at͏ o͏ver ₹6 lak͏h crore. Muc͏h ͏of͏ this is blamed ͏on late detection ͏of credit stress. Ac͏cording to the RBI’s Finan͏c͏ial St͏abili͏ty Repo͏rt, early detecti͏on mecha͏nisms could...
Read More
The Lender’s Guide to Corporate Loan Document Hierarchy: Critical Papers for Approval Decisions

The Lender’s Guide to Corporate Loan Document Hierarchy: Critical Papers for Approval Decisions

India’s corporate credit ecosystem has seen remarkable growth in FY 2024–2025. Here are a few figures that support this trend: The total outstanding bank credit to business (including industry and services) increased to ₹82.73 lakh...
Read More
Why Traditional Bank Reconciliation Statement Is Failing the Digital Economy

Why Traditional Bank Reconciliation Statement Is Failing the Digital Economy

The l͏ending͏ industry has changed significantly in recent years due to the ris͏e o͏f ͏di͏gital͏ paym͏ents an͏d͏ online͏ transaction͏s. A͏s m͏ore b͏orrowe͏rs move to digi͏tal p͏latforms, lending institutions face cha͏lleng͏es wi͏th tra͏ditio͏nal reconcil͏iation methods,͏ which...
Read More
CIBIL Report Analysis: A Quick Guide for Indian Lenders

CIBIL Report Analysis: A Quick Guide for Indian Lenders

Over 110 million Indians checked their CIBIL report in 2024. TransUnion stated in their report that women-led monitoring rose by 42%, and 15 million assessed their Credit Information Report for the first time in FY24....
Read More
4 Ways GST Analysers Play a Key Role in Credit Underwriting

4 Ways GST Analysers Play a Key Role in Credit Underwriting

Around 2.74 million Medium and Small Enterprise (MSME) loans were sanctioned in the financial year 2023-2024, a 19.3% volume and 5.4% value growth compared to the same period in the previous financial year.  Additionally, microfinance...
Read More
Mastering Credit Risk: Comprehensive Analysis of Commercial Credit Bureau Reports

Mastering Credit Risk: Comprehensive Analysis of Commercial Credit Bureau Reports

How do lenders decide wh͏om to trust in a m͏arket a͏s dynam͏ic ͏and complex͏ as I͏ndia’s?͏ The answ͏er l͏ies in data͏—more precisely, in commercia͏l cr͏ed͏it bureau reports.  These reports, prov͏ided by reputable͏ agen͏cies like CIBIL,...
Read More
Understanding the 8 Pillars of Effective Forensic Audit in Financial Services

Understanding the 8 Pillars of Effective Forensic Audit in Financial Services

In India’s rapidly digitising financial ecosystem, the risk of fraud has grown significantly.  A PWC report pointed out that nearly 59% of Indian organisations had been defrauded over the previous 24 months. For financial institutions,...
Read More
Why Is Money Trail Detection Important in Preventing Economic Offences?

Why Is Money Trail Detection Important in Preventing Economic Offences?

Economic offences like money laundering, shell companies, and tax evasion have escalated in India. In the first half of FY24, bank fraud cases rose to 18,461, with reported losses jumping eightfold to ₹21,367 crore.  These...
Read More
3 Major Consequences of Money Laundering for Lenders in India

3 Major Consequences of Money Laundering for Lenders in India

Money laundering is clearly one of the biggest threats to India’s financial and economic stability. It is primarily carried out to evade taxes, finance illegal and criminal activities, and conduct illicit trade. The Enforcement Directorate...
Read More
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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 generally include a combination of a complex regulatory framework, evolving operational guidelines by the Reserve Bank of India (RBI), and...
Read More

͏13 Bi͏ggest ͏Mist͏akes Lenders Mak͏e When Setting Up Early Warning Signals in Credit Appraisal Systems

In 2023, India’s gross non-performing assets (NPAs) stoo͏d at͏ o͏ver ₹6 lak͏h crore. Muc͏h ͏of͏ this is blamed ͏on late detection ͏of credit stress. Ac͏cording to the RBI’s Finan͏c͏ial St͏abili͏ty Repo͏rt, early detecti͏on mecha͏nisms could hav͏e prevented the accumulation of...
Read More

The Lender’s Guide to Corporate Loan Document Hierarchy: Critical Papers for Approval Decisions

India’s corporate credit ecosystem has seen remarkable growth in FY 2024–2025. Here are a few figures that support this trend: The total outstanding bank credit to business (including industry and services) increased to ₹82.73 lakh crore in March 2024, with...
Read More

Why Traditional Bank Reconciliation Statement Is Failing the Digital Economy

The l͏ending͏ industry has changed significantly in recent years due to the ris͏e o͏f ͏di͏gital͏ paym͏ents an͏d͏ online͏ transaction͏s. A͏s m͏ore b͏orrowe͏rs move to digi͏tal p͏latforms, lending institutions face cha͏lleng͏es wi͏th tra͏ditio͏nal reconcil͏iation methods,͏ which are͏ struggling to keep up...
Read More

CIBIL Report Analysis: A Quick Guide for Indian Lenders

Over 110 million Indians checked their CIBIL report in 2024. TransUnion stated in their report that women-led monitoring rose by 42%, and 15 million assessed their Credit Information Report for the first time in FY24. This shows India’s excellent growth...
Read More

4 Ways GST Analysers Play a Key Role in Credit Underwriting

Around 2.74 million Medium and Small Enterprise (MSME) loans were sanctioned in the financial year 2023-2024, a 19.3% volume and 5.4% value growth compared to the same period in the previous financial year.  Additionally, microfinance loans witnessed a 26.8% growth...
Read More

Mastering Credit Risk: Comprehensive Analysis of Commercial Credit Bureau Reports

How do lenders decide wh͏om to trust in a m͏arket a͏s dynam͏ic ͏and complex͏ as I͏ndia’s?͏ The answ͏er l͏ies in data͏—more precisely, in commercia͏l cr͏ed͏it bureau reports.  These reports, prov͏ided by reputable͏ agen͏cies like CIBIL, CRIF͏ High ͏Mark, Experian, and...
Read More

Understanding the 8 Pillars of Effective Forensic Audit in Financial Services

In India’s rapidly digitising financial ecosystem, the risk of fraud has grown significantly.  A PWC report pointed out that nearly 59% of Indian organisations had been defrauded over the previous 24 months. For financial institutions, early fraud identification is not...
Read More

Why Is Money Trail Detection Important in Preventing Economic Offences?

Economic offences like money laundering, shell companies, and tax evasion have escalated in India. In the first half of FY24, bank fraud cases rose to 18,461, with reported losses jumping eightfold to ₹21,367 crore.  These financial crimes undermine public trust...
Read More

3 Major Consequences of Money Laundering for Lenders in India

Money laundering is clearly one of the biggest threats to India’s financial and economic stability. It is primarily carried out to evade taxes, finance illegal and criminal activities, and conduct illicit trade. The Enforcement Directorate (ED) revealed that it registered...
Read More
1 2 3 37