RBI and IRDAI analysis, lending research and technology explainers for the teams running distribution on the ground.
Godrej Capital and Indel Money's co-lending partnership for gold loans marks a strategic move into a specialized segment, highlighting evolving collaboration models in Indian BFSI.
Read the analysisSmall Finance Banks (SFBs) are lobbying the Reserve Bank of India (RBI) for permission to engage in co-lending activities. This move could reshape partnership dynamics across the Indian BFSI sector.
Read articleThe RBI's proposed guidelines on loan pricing methodology could reshape how banks, NBFCs, and HFCs structure interest rates, impacting product strategies and competitive dynamics.
Read articleTechnology adoption and government backing are set to expand crop insurance penetration across rural India.
Read articleThe central bank moves beyond SMS OTP with a principle-based authentication framework.
Read articleFirst Loss Default Guarantee arrangements draw regulatory scrutiny across digital lending.
Read articleRising unsecured consumer credit prompts tighter risk weights and portfolio discipline.
Read articleWhat a modern mobile LOS must do, from lead capture and KYC to deviation handling and disbursal.
Read articleScoring models help lenders spend field effort where conversion probability is highest.
Read articleA public repository of digital lending apps aims to separate regulated players from rogue ones.
Read articleAutomation reshapes bank staffing towards technology and advisory-led roles.
Read articleA round-up of the regulatory changes shaping NBFC growth and compliance priorities.
Read articleFixed Obligation to Income Ratio explained, and how lenders use it to underwrite retail loans.
Read articleFortnightly credit bureau reporting changes what lenders see and how fast they see it.
Read articleHow to evaluate rule engines for lending workflows, deviations and policy changes.
Read articleULI promises frictionless credit data flow. Here is what it means for lenders on the ground.
Read articleContinuous KYC replaces periodic reviews and reduces friction for good customers.
Read articleSee how regulated businesses move from a policy change to a live field workflow in days, not quarters.
