Discover a wealth of insightful materials meticulously crafted to provide you with a comprehensive understanding of the latest trends.
India’s credit ecosystem is under pressure. Lenders, forensic auditors, and compliance teams are processing more applications, handling more data, and carrying more regulatory risk than ever before. Choosing the right financial analysis platform isn’t a minor decision anymore. Precisa and Perfios are both well-regarded names in this space, but they serve fairly different needs. Perfios […]
The Account Aggregator (AA) framework was built to solve a real problem. Borrowers no longer need to collect physical bank statements, lenders get verified, tamper-proof financial data, and the entire consent-based flow happens in minutes rather than days. In theory, it’s a clean system. In practice, it breaks down more often than lenders publicly acknowledge. […]
A Credit Appraisal Memorandum is the backbone of any lending decision. It brings together bank statement analysis, GST returns, credit bureau data, and financial ratios into a single document that tells the lender whether a borrower is creditworthy or not. The problem? Building one manually is slow, error-prone, and not a great use of a […]
The Income Tax department has a new tool in its enforcement playbook, and it’s one that finance professionals should pay close attention to. India’s I-T department is increasingly tapping into GST filings to widen the country’s direct tax base. The intent is straightforward: cross-check what businesses declare to the GST Network against what they report […]
If you’ve been a Direct Selling Agent for any length of time, you know the frustration: you work hard to source a loan application, put it through to the lender, and it comes back rejected. Your ratings take a hit. The borrower is disappointed. And you’ve spent hours on something that didn’t move forward. More […]
An MSME applies for a ₹25 lakh working capital loan. GSTR shows ₹60 lakh annual turnover. Bank statements show a healthy cash flow. The credit officer approves. Six months later, the loan defaults. What went wrong? Most lenders verify GSTR data and bank statements as separate documents. GSTR confirms business legitimacy and turnover. Bank statements […]
DSAs and NBFCs approve thousands of loan applications monthly, but manual credit analysis misses sophisticated fraud patterns. A borrower shows a ₹80,000 monthly salary, maintains an average balance of ₹ 1.2 lakh, yet defaults within six months. The income was real. The bank statements were genuine. But the cash flow pattern revealed something the manual […]
A business applies for a ₹50 lakh term loan. Their overdraft account shows a ₹20 lakh sanction limit with 45% average utilisation. Looks reasonable, right? But examine the pattern month-on-month. They’ve exceeded their sanction limit 12 times in the past year, with 87 overdrawn days total. What seemed moderate is actually consistently maxing out credit […]
A borrower submits bank statements showing ₹85,000 monthly income. Credit approved. Three months later, the EMI bounces. Investigation reveals digital alteration—the original showed ₹42,000 with irregular deposits. The fonts didn’t match. The PDF metadata showed recent edits. But nobody checked. This scenario plays out more often than most lenders realise. When processing 50+ applications daily, […]
When a company’s Mumbai office transfers ₹50 lakh to its Bengaluru branch for operational expenses, that’s standard business practice. When the same ₹50 lakh cycles through three related entities and returns within 48 hours whilst appearing as “sales revenue” on loan applications, that’s fraud. According to PwC’s Global Economic Crime Survey, 59% of Indian organisations […]
