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Audited financial statements are the most formal borrower financial document a lender receives. They carry a CA’s signature, they conform
The three most cited credit analysis platforms in India – FinEye, Perfios, and Precisa address overlapping but distinct problems in
A borrower with 12 active and closed loan accounts in their CIBIL report presents an underwriter with 12 separate rows
DPD Days Past Due is one of the most important and most frequently misunderstood fields in a credit bureau report.
Every credit officer in India uses the terms STD, SMA, NPA, Sub-Standard, and Written-off. However, not everyone applies these classifications
A CIBIL score of 739 sits in credit policy limbo for most NBFCs. It is above the typical 700-720 minimum
The RBI’s Digital Lending Directions 2025 are the most comprehensive update to India’s digital credit regulatory framework since the original
A credit card account at 99.3% utilisation, Rs 49,667 outstanding balance on a Rs 50,000 credit limit, is one of
Bank frauds in India crossed Rs 36,000 crore in the first nine months of FY2025-26, per RBI data. A significant
