Two borrowers sit in the same credit queue with the same salary band. Both carry CIBIL scores above 720. On
Automated bank statement analysis processes a loan file in under 60 seconds. Manual review takes 20–40 minutes for the same
FOIR calculation is one of the first checks a lender runs when evaluating a loan application. FOIR stands for Fixed
Over 75% of loan applications in India now rely on bank statement data as a primary input for credit decisioning.
Credit appraisal is the process through which a lender evaluates whether a borrower can repay a loan. For NBFCs in
Bank statement analysis red flags are the warning signs that tell a lender something is wrong with a borrower’s financial
Account aggregator is a new class of RBI-licensed NBFC that enables consent-based sharing of financial data between institutions in India.
A fake bank statement is one of the most common instruments of loan fraud in India, and it is costing
NPA in banking refers to a loan or advance where the borrower has stopped making payments for 90 days or
