MCLR Rises Above Year-Ago Levels Despite Steady Repo Rate
One-year median MCLR reached 8.70% in August, signaling a structural shift in bank funding costs despite a steady repo rate and improved liquidity.
Read articleRegulation, risk and field execution - decoded weekly.
RBI and IRDAI analysis, lending research and technology explainers for the teams running distribution on the ground.
The archive - page 17 of 21
Data-Driven Personalisation Redefines Indian Motor Insurance
Indian motor insurers are shifting toward hyper-personalised models, including mileage-linked premiums and named-driver plans, driven by granular data and telematics integration.
Read articleARCIL Signals Growth in NBFC Retail Stressed Asset Transfers
ARCIL reports that retail assets originated by NBFCs are its fastest-growing segment, indicating a shift in how non-bank lenders manage stressed portfolios.
Read articleCrop Insurance Poised for Growth: Government and Tech to Boost Sector
Technology adoption and government backing are set to expand crop insurance penetration across rural India.
Read articleRBI Proposes New Framework for Digital Payment Authentication
The central bank moves beyond SMS OTP with a principle-based authentication framework.
Read articleRBI Warns NBFCs: Concerns Over FLDG Model in Loan Disbursement
First Loss Default Guarantee arrangements draw regulatory scrutiny across digital lending.
Read articleRBI Red Flags NBFC Consumer Credit: Implications and Future Outlook
Rising unsecured consumer credit prompts tighter risk weights and portfolio discipline.
Read articleA Study on Essential Features for Mobile Loan Origination Solutions
What a modern mobile LOS must do, from lead capture and KYC to deviation handling and disbursal.
Read articleThe Importance of Lead Scoring in the Financial Industry
Scoring models help lenders spend field effort where conversion probability is highest.
Read articleRBI's New Repository: Regulating Digital Lending Apps and Protecting Consumers
A public repository of digital lending apps aims to separate regulated players from rogue ones.
Read articleDigital Disruption in Banking: The Decline of Clerical Roles
Automation reshapes bank staffing towards technology and advisory-led roles.
Read articleLatest Regulatory and Growth Updates in India's NBFC and Lending Sector
A round-up of the regulatory changes shaping NBFC growth and compliance priorities.
Read articleTurn market intelligence into field execution
See how regulated businesses move from a policy change to a live field workflow in days, not quarters.