Discover a wealth of insightful materials meticulously crafted to provide you with a comprehensive understanding of the latest trends.
Every festive quarter, lending volumes jump and loan books swell within weeks rather than months. Bajaj Finance alone disbursed close to 6.3 million consumer loans between 22 September and 26 October last year, a 27% rise in volume and a 29% rise in value over the same window the year before. Sanctioning teams clear applications […]
Most credit teams open a bureau report and go straight to the score, then to DPD and then to NPA status, if there is one. Precisa’s credit bureau report analysis is built to catch what gets skipped in that sequence: the enquiry section, which gets a glance at best, usually reduced to a single number, […]
The tax audit report for FY 2025-26 is due on 30 September 2026. Between now and then, most CA firms will move through hundreds of client files, and a fair share of those files include a bank statement that gets a quick visual scan before it’s filed under “verified.” That scan is where the problem […]
By the first week of September, most CA firms handling Section 44AB audits are carrying the same problem. The books are done, the client has signed off, and someone still has to reconcile turnover against bank credits before the audit report can be finalised. That reconciliation step, the one Precisa’s bank statement and ITR tools […]
Every month, thousands of businesses claim input tax credit in GSTR-3B that does not fully match GSTR-2B. Sometimes it is a vendor who filed late. Sometimes it is an invoice booked in the wrong period. Either way, the GST system now catches the gap on its own, and it does not wait for an audit […]
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 […]
A credit team clearing dozens of applications a week doesn’t need a definition of bank statement analysis. It needs to know what happens inside the system between the moment a PDF gets uploaded and the moment a score lands on the underwriter’s screen. That’s the part vendors tend to skip over in demos. It’s also […]
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and NBFCs that built compliance frameworks on RBI’s 2022 Digital Lending Guidelines are now referencing a formally repealed set of rules.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. […]
Every few months, someone in a CA firm’s team chat asks the same question: is there something better than Tally out there. The honest answer depends on what’s actually broken. It could be a licence renewal that stings, a client asking for cloud access, or, more often than either, the hours lost re-entering bank data […]
A three-digit score tells you a borrower is risky. It doesn’t tell you why, and for a credit team processing volume, that gap is where bad loans slip through. Most credit risk assessment software can generate a score in seconds. Fewer can explain the number, catch a borrower who’s engineered their way around it, or […]
