Urban Co-operative Banks (UCBs) have run their unsecured book against a 10% of total assets ceiling for years. Anyone who has audited a UCB’s lending exposure knows that number without looking it up. From 1 October 2026, that number changes, and so does the maths behind it. The Reserve Bank of India’s revised concentration risk […]
How Urban Co-operative Banks Digitise Their Lending Process
Urban co-operative banks are digitising lending in stages: digital onboarding and KYC first, automated credit assessment and straight-through approvals next, system-based compliance reporting last. Finezza works with lenders across exactly this sequence, and the shift is now economically realistic for UCBs of any size because shared infrastructure has replaced the need for individual capital outlay. […]
Co-Lending Reconciliation: The Complete Operational Breakdown
Co-lending reconciliation is the process of matching every EMI payment to its correct split across bank and NBFC ledgers, sweeping the escrow, and producing a verified statement that both partners can reconcile against their own books. Finezza’s co-lending module automates this full payment-event pipeline from a single product-level configuration, so the same logic runs on […]
Does Your Lending Management System Handle Gold Loans?
Most Loan Management Systems (LMS) still treat gold loans as a lightly configured term loan: set the loan-to-value (LTV) ratio, set the tenure, done. That’s no longer enough. RBI’s Lending Against Gold and Silver Collateral Directions, 2025, fully effective from 1 April 2026, changed how LTV gets calculated, how long a bullet loan can run, […]
The LOS/LMS Readiness Framework for Line of Credit Lending
Line of credit lending exposes structural gaps in loan management systems built for term loans, from static limit fields to batch-cycle utilization tracking. This framework gives lending technology teams a five-part test, a self-assessment checklist, and a worked interest calculation to evaluate LMS readiness before launch. In this article: Why Term-Loan LMS Architecture Breaks Under […]
5 LSP Compliance Gaps in Your Digital Lending Software
When the RBI issued its Digital Lending Directions, 2025 on 8 May 2025, the coverage focused on cooling-off periods, Default Loss Guarantee (DLG) caps, and borrower protection mechanisms. The software implications received far less attention. Finezza’s loan origination system supports regulated digital lending workflows for NBFCs and banks, and the five compliance gaps below represent […]