A small manufacturer in Coimbatore, supplying auto components to two large industrial buyers, applies for a working capital loan. The Profit and Loss (P&L) statement shows consistent revenue growth over three years. The balance sheet looks stable. The promoter’s credit score is above 700. The credit manager approves the loan. Eight months later, the account […]
Why NBFCs Lose Co-Lending Mandates (And the Tech That Prevents It)
The co-lending model has become one of the most effective growth channels for NBFCs looking to scale their loan books without proportionally scaling their balance sheets. Banks bring the capital; NBFCs bring the customer reach, origination infrastructure, and last-mile servicing capability. On paper, the arrangement works cleanly. In practice, the operational complexity of running a […]
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 […]
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 […]
NBFC Attrition is Over 75%. But One Technological Solution Can Help
NBFC attrition is over 75%. This isn’t just a statistic. It’s a crisis threatening your business. According to TeamLease Services (2025), NBFCs are experiencing 77% annual turnover, with loan sales teams facing monthly attrition of 9–13%. When your best people leave, so do customers, revenue opportunities, and efficiency. Despite this, many organisations continue relying on […]