A CIBIL score of 780 looks excellent on paper. It tells you the borrower paid every EMI on time, kept utilisation below 35%, and never had a write-off. What it doesn’t tell you is that the borrower lost a major client eight months ago, has been drawing down savings to service existing obligations, and is […]
Future of Lending 2026: Key Trends Banks & NBFCs Must Watch
The lending landscape in India doesn’t change gradually. It moves in structural shifts, driven by regulatory mandates, maturing infrastructure, and borrower expectations that outpace most institutions’ ability to adapt. As 2026 gets underway, several of these forces are converging at once, and the lenders best placed to benefit are those who treated them as present […]
Beyond Automation: How Digital Loan Solutions Reshape Lending Strategy
Most lenders approach digital loan solutions with a straightforward objective: reduce turnaround time, cut paperwork, and move loan officers off spreadsheets. These are legitimate gains. But lenders who stop there miss what the technology is actually capable of. Automation is not the end state. It’s the foundation. What gets built on top of it is […]
Why Behavioural Scoring Is Critical for Dynamic Line of Credit Limits in 2026
Your credit manager approves a ₹5 lakh overdraft facility for a retail business owner in March. By August, the borrower’s average monthly balance has dropped 60%, payment delays have crept from 2 days to 12 days, and withdrawal patterns now show weekend cash extraction rather than weekday supplier payments. Your system still shows the same […]
Lending Life Cycle in Co-Lending Models: Syncing Bank-NBFC Workflows
A borrower submits one application through an NBFC’s digital platform. The NBFC’s Loan Origination System (LOS) approves based on bureau data and bank statement analysis. The partner bank’s credit system rejects the same applicant using different underwriting parameters. Neither institution knows about the mismatch until the borrower calls three weeks later. This repeats across co-lending […]
RBI’s New PSL Norms: What Lenders Need for Auditor Certification
Your compliance head receives a Reserve Bank of India (RBI) notice flagging Priority Sector Lending (PSL) classification discrepancies. The issue isn’t underreporting your PSL portfolio—it’s that the same underlying loans appear in multiple banks’ PSL claims. Different lenders financed the same Microfinance Institution (MFI), and each bank claimed the on-lending benefit for identical borrowers. This […]