India’s lending market is expected to reach $2.38 billion by 2030, growing at 30.2% annually. Economic expansion, urbanisation, and rising credit demand are driving loan application volumes that exceed most NBFCs’ manual processing capacity. Legacy systems struggle with regulatory reporting frequency, multi-product portfolio management, and real-time risk assessment requirements. NBFCs processing diverse loan products (MSME, […]
RBI Backs Cash-Flow Lending for MSMEs: What This Means for Your Lending Strategy
The 30th Standing Advisory Committee (SAC) in Coimbatore on October 27, 2025, highlighted the urgent need for Micro, Small, and Medium Enterprises (MSMEs) lending models to shift from a traditional collateral-based approach to cash-flow-based lending. This strategic realignment is critical for overcoming the current challenges faced by MSMEs. As per a survey of 2,000 MSMEs, […]
How Fintech Startups Scale with the Right Loan Management Software
Fintech startups are redefining the credit ecosystem—disbursing thousands of loans daily across various borrower segments. However, as volumes surge, traditional processes, reliance on spreadsheets, and disconnected systems begin to show their limitations. Start-ups that scale rapidly without a resilient technology foundation consistently face delayed disbursals, compliance loopholes, and restricted portfolio visibility. To sustain India’s forecasted […]
Foreign Exchange Risk Management in Study Abroad Loan Portfolios
With over 1.33 million Indian students studying abroad, education loans have become vital. According to an Economic Times report, 33% of these students depend on such loans to pursue quality education overseas. Non-banking financial companies (NBFCs) have seen significant growth in education loan assets, rising over 80% in fiscal year 2023 and 70% in fiscal […]
Are You Reading Credit Bureau Reports Wrong? 5 Critical Data Points Lenders Miss
You approved a borrower with a 750 credit score, perfect payment history, and 35% utilisation. Three months later, they defaulted. If your lending institution is facing similar incidents more often, you are probably missing evaluating the critical data points in credit bureau reports. According to RIS (Research and Information System for Developing Countries), unsecured loans […]
Complete Guide to Building a Digital-First Loan Collection Strategy
Digital banking has transformed borrower expectations. Lenders must now build loan collection strategies that leverage technology, data, and customer-centric communication to maximise recovery while maintaining positive relationships. The emphasis should be on implementing a data-driven and customer-focused approach that prioritises outcomes and leverages digital platforms. Developing a digital-first loan collection strategy is vital for maximising […]