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 […]
Line of Credit on UPI: What NBFCs Must Prepare For
NBFCs cannot yet offer a line of credit on Unified Payments Interface (UPI). Regulatory access remains pending. But the infrastructure build cannot wait for approval, and teams at NBFCs using platforms like Finezza are already working through what this requires. The gap between “we got approval” and “we can actually run this product” is entirely […]
Automating Loan Collections: NACH, DPD Triggers and Field Agent Workflows
When a mid-sized NBFC’s portfolio crosses ₹500 crore, the limiting factor in collections is no longer effort, it is timing precision. A borrower who misses payment on Day 1 and hears from a collections officer on Day 12 has already mentally reclassified the debt. Every day of delay between a missed payment and a structured […]
5 Loan Origination Software Features That Cut Fraud Risk
Most conversations about lending fraud start with the collection queue. A borrower stops paying, an investigation follows, and somewhere in that process someone discovers application data that should have raised flags months ago. By then, the loan is in the portfolio, the disbursement has been made, and the cost of investigation and potential write-off is […]
Hybrid Credit Underwriting: Blending Bureau Data with Cash Flow Projections
A CIBIL score of 780 looks excellent on paper. It tells you the borrower paid every EMI on time, kept utilisation below 35%, and never had a write-off. What it doesn’t tell you is that the borrower lost a major client eight months ago, has been drawing down savings to service existing obligations, and is […]
How NBFCs Reduce Loan TAT by 70% with Digital Lending Automation in 2026
NBFCs across India are preparing for a landscape where speed will decide survival, and delays will drive customers away. The recent industry studies predict that in 2026 over 82% of borrowers will choose lenders who offer fast approvals, while nearly 65% of NBFCs confirm that their biggest struggle is reducing Loan TAT. With rising application […]