Category Archives
NBFC credit risk management: how does this portfolio perform when conditions deteriorate? The answer shapes capital planning, underwriting policy, and
Customer identification is the first step in lending. Digital KYC has transformed how NBFCs complete this step from a branch
Two-wheeler loans are the highest-volume retail credit product in India by number of accounts. Over 15 million two-wheelers are financed
Supply chain finance (SCF) is the fastest-growing B2B credit product in India. It allows MSME vendors and dealers to access
An NBFC Early Warning System helps lenders identify borrower stress 30–90 days before the first missed payment. By monitoring bureau
Credit card statements are the most detailed behavioural data source available for consumer credit assessment. Every monthly statement shows spending
Agricultural lending in India is the most structurally complex credit segment. Income is seasonal. Collateral is land, illiquid, disputed, and
Healthcare finance is a fast-growing NBFC product in India. Medical emergencies create time-sensitive credit needs where the borrower has limited
India has over 400 million adults without a meaningful credit score. Standard CIBIL-based underwriting excludes them systematically, not because they
