A micro-enterprise in Pune applies for a ₹15 lakh working capital loan. The Goods and Services Tax (GST) returns show consistent quarterly turnover. The bank statements show six months of regular credits. The credit bureau pulls returns no delinquencies. Every document is present, every box ticked. The rule-based system has nothing to flag. Three months […]
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 […]
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 […]
When Your Best MSME Client Needs ₹2 Crore But Your Limit is ₹1.5 Crore
Your credit manager flags a loan application during morning review. The borrower has been with you for three years, maintains 100% repayment consistency across two existing loans totalling ₹80 lakh, and now needs ₹2 crore for warehouse expansion. Your exposure limit for this borrower: ₹1.5 crore. Walking away means handing a relationship you built to […]
From Loan Details to Payment Links: How AI Agents Work
Loan officers spend a substantial part of their day answering the same questions repeatedly: “What’s the outstanding amount on loan ID 208241?” “Generate a payment link for this borrower.” “Pull the repayment schedule for account 15632.” Each query requires navigating multiple screens, switching between LMS modules, verifying data across systems, and manually creating outputs. When […]
Why 35-40% of New Loan Officers Leave Within 60 Days (And How AI Helps)
Are you, like many lenders across the country, also facing a recurring challenge: a high attrition rate amongst loan officers? According to research, approximately 35-40% of new loan officers leave within the first 60 days of joining, due to a combination of factors. Each replacement costs lenders ₹2.5-4 lakh when accounting for recruitment, training, and […]