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Around 40% of India’s working-age adults are new-to-credit. Consequently, over 400 million individuals have no formal borrowing history, CIBIL file,
Income Tax Returns (ITRs) are among the oldest formal income verification documents in Indian lending. Paradoxically, underwriters are also highly
Co-lending arrangements between scheduled commercial banks and NBFCs have grown significantly since the RBI formalised the framework in 2020. Consequently,
The RBI’s Digital Lending Directions 2025 mandate specific operational and technical implementations for every NBFC in digital credit. Lenders must
NBFC credit risk management is still managed primarily through manual prioritisation: which accounts have the highest outstanding, which have the
Microfinance credit assessment in India operates under a specific regulatory framework that addresses one of the microfinance sector’s most persistent
A CIBIL bureau report is a structured document with approximately 11 distinct data sections, each requiring different analytical interpretation. For
Personal loan underwriting for salaried borrowers is the highest-volume credit product at most Indian NBFCs and the product most susceptible
India’s 63 million-plus MSME sector represents the largest credit-underserved business segment in the country. However, a major paradox exists within
