Regulations have always played an important role in the growth trajectory of lenders across the world. In India, the Reserve Bank of India (RBI) sets guidelines to ensure the smooth and ethical functioning of lending players and fair practices for...

A popular technique financial institutions use in managing interest rate risks is duration gap analysis. This provides them with insights into the optimal management of interest rate risk so that they can economically manage the difference in time between a...

Non-banking finance Companies(NBFCs) have witnessed exponential growth globally and within the country. They are playing a crucial role in providing people and businesses across India with access to basic financial services. Emerging technology has also enabled the NBFC software to widen...

Productivity levels are an important measure of success for ambitious lenders looking to build a long-lasting, profitable business. A recent survey indicated that seven out of every 10 employers prioritise the quality of work, while performance indicators such as targets and...

The balance sheet is a crucial financial statement that reflects a company's financial health at any given time. Balance sheet analysis examines a business’s balance sheet to evaluate its financial health and performance. It also involves analysing the composition and...

Data is increasingly vital in enabling businesses to streamline their workflows, drive revenues, and become profitable in the Internet economy. According to a McKinsey survey titled ‘The data-driven enterprise of 2025,’ adopting artificial intelligence (AI)- powered data practices is helping...

Digital innovation and fintech have made life easier than ever. There is hardly any waiting in the line. You can simply book tickets, order groceries, or even secure a loan in minutes – all from the comfort of your home....

Scaling a lending business presents a significant dilemma: higher loan volume increases potential profits but also the risk of default and fraud. Thorough risk assessment is essential, yet the sheer number of loans can make this process overwhelming. Lenders that...

Lenders generally need to cross-examine the applicant's financial strengths and weaknesses before approving a loan application. Financial statement analysis helps them make these decisions; it involves evaluating an applicant's financial statements to assess their financial health and determine their creditworthiness. This...

Extending credit inherently often carries risk for lenders, such as: Borrower's inability to repay due to job loss, unexpected expenses, or poor financial management. Economic downturns can lead to increased defaults across an entire portfolio. Lenders may fall victim to...