Discover a wealth of insightful materials meticulously crafted to provide you with a comprehensive understanding of the latest trends.
India processed over 228 billion UPI transactions in 2025. That scale has also created cover. Fraudsters use mule accounts, bank accounts opened or hijacked specifically to route stolen funds, to move money through the UPI network faster than most institutions can trace manually. According to the Finance Ministry’s data tabled in Parliament in November 2024, […]
A loan applicant submits three months of bank statements. The numbers look good. Regular credits, a healthy average balance, no obvious red flags, nothing a standard review would flag during bank statement analysis. The credit team approves. Disbursement goes through. A few weeks later, repayment stress sets in. When someone investigates, the pattern emerges: the […]
Year-end reviews land at the worst possible time. Documents pile up, clients call with last-minute queries, and the window to make any meaningful changes is closing fast. For CAs managing a full roster, the real challenge isn’t knowing what to look for; it’s getting through the analysis quickly enough to act on it. ITR analysis […]
Tax filing season is when the cracks start to show. Businesses that have spent months accumulating Input Tax Credit (ITC) on questionable invoices suddenly need those claims to hold up. Clients who papered over weak months with fictitious purchases now sit across from their CAs, expecting clean filings. And CAs, working through stacks of GSTR […]
Tax season is when most CAs get their clearest look at an SME client’s finances. But by then, the gaps have already compounded. The mismatched GST filings, the months where outflows quietly exceeded inflows, the informal loans disguised as irregular credits, the salary that shows up three days before a suspiciously large withdrawal. None of […]
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 […]
