The right Loan Management System (LMS) often dictates lenders’ operational efficiency, compliance, and ability to scale. However, as digital lending grows, many lenders wonder whether to opt for an in-house, proprietary LMS or a Software-as-a-Service (SaaS) approach. In India alone, the digital lending platform market is expected to reach USD 2.38 billion by 2030, growing […]
Modern͏ Loan Mana͏gement System:͏ Breaking D͏own t͏he ͏Essentia͏l Components
According to the Reserve Bank of India (RBI), the total credit to the private sector grew by 12.5% year-on-year in January 2025, reflecting the rising demand for loans across various sectors. To meet t͏his͏ deman͏d, fin͏ancial institutions and lenders are͏ in͏creasingly relying on r͏obust Loan Mana͏gement System (LMS)͏. But͏ what͏ exactly i͏s ͏a ͏modern Loan […]
How Loan Origination Systems Streamline the Four Stages of Lending
We cannot discuss digital-first loan origination systems without commenting on India’s commercial loan portfolio, which expanded by an impressive 17.8%, reaching ₹64.1 trillion in the financial year (FY) 24. Additionally, while Medium and Small Enterprises (MSME) loans witnessed a 13.9% year-on-year (Y-o-Y) growth between FY 2020 and 2023, individual loans grew by 13.5% Y-o-Y in […]
Loan Management Software: Must-have AI Features in 2025
RBI’s Financial Stability Report indicates that banks’ gross NPA ratio fell to 2.6% as of September 2024. In ten years, this has been the lowest. Although steady collections and consistent credit growth helped the GNPA ratio drop to 4.0% for NBFCS, the need to preserve asset quality still looms. RBI is keeping an eye on […]
The Tangible Benefits of Implementing Advanced Loan Origination Software
Traditional loan origination processes, plagued by manual bottlenecks, delayed approvals, and regulatory risks, cannot keep up with increasing demand. The need for a significant transformation is evident. The Loan Origination Software (LOS) can be that. It automates loan workflows, improves accuracy, and ensures compliance with changing financial regulations. With digital lending in India expected to […]
Strategic Credit Management for Corporate Loan Portfolios
The business loan portfolio is an important vertical for lenders. The value and volume of individual loans are sizable compared to other segments, such as MSMEs and retail loans. In 2024, public sector banks indicated growth in their corporate loan portfolio in sectors such as energy and infrastructure. SBI’s year-on-year loan book, for instance, grew […]