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Illustration showing two borrowers with the same income, one receiving a loan approval and the other facing rejection based on credit assessment factors.
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May 26, 2026

Why Two Borrowers With the Same Salary Get Different Loan Approvals

Picture this. Arjun and Priya both earn Rs. 75,000 a month. Both are salaried professionals working in the same city. Both apply for a personal…

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Shivam Jadon

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March 24, 2026

FOIR Calculation: Formula, Meaning & How Lenders Use It

FOIR calculation is one of the first checks a lender runs when evaluating a loan application. FOIR stands for Fixed Obligation to…

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Shivam Jadon
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March 8, 2026

How to Detect Loan Obligations From Bank Statements

Over 75% of loan applications in India now rely on bank statement data as a primary input for credit decisioning. Yet for…

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Shivam Jadon
Credit appraisal in NBFCs using bank statement analysis for lending and risk assessment. FinEye Insights

March 8, 2026

Credit Appraisal in NBFCs: How Bank Statement Analysis Powers Lending Decisions

Credit appraisal is the process through which a lender evaluates whether a borrower can repay a loan. For NBFCs in India, this…

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Shivam Jadon
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March 8, 2026

Top Red Flags in Bank Statement Analysis You Should Not Ignore

Bank statement analysis red flags are the warning signs that tell a lender something is wrong with a borrower’s financial profile. In…

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Shivam Jadon
FinEye Insights

March 8, 2026

Account Aggregator in India: How the AA Framework Works (2026 Guide)

Account aggregator is a new class of RBI-licensed NBFC that enables consent-based sharing of financial data between institutions in India. In simple…

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Shivam Jadon
Product Updates

March 8, 2026

How to Detect Fake Bank Statements in Loan Applications

A fake bank statement is one of the most common instruments of loan fraud in India, and it is costing lenders crores…

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Shivam Jadon