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GST on Co-Lending: Why Tax Clarity Matters for Lenders As co-lending expands, the distinction between interest income and service income is becoming an important consideration for lender partnerships. Co-lending has emerged as a way for banks and NBFCs to combine complementary strengths. Banks can contribute funding capacity, while NBFCs bring customer reach, sourcing capabilities and […]
Agreeing to stand as a guarantor is often treated as a routine formality – a signature offered to help a family member or friend clear a lender’s eligibility bar. In practice, it is a financial commitment that carries nearly the same weight as taking the loan itself. A guarantor is an individual or entity who […]
What Lenders Miss When They Look at FOIR in Isolation FOIR is one of the most commonly used indicators in credit underwriting. It helps lenders assess how much of a borrower’s income is already committed towards existing and proposed obligations. But FOIR, by itself, does not tell the complete story. Two borrowers can have the […]
India’s credit scoring system was built for a borrower profile that rural India rarely matches. A conventional credit score depends on a formal financial trail, bank loans, credit card usage, structured repayment history, the kind of record a salaried, urban borrower accumulates almost by default. For a farmer whose income arrives seasonally, or a woman […]
In lending, adherence to credit policy is often viewed as a strong indicator of credit quality. When a borrower meets the prescribed credit score, FOIR and LTV thresholds, income has been verified, documentation is complete and the required approvals have been obtained, the loan is considered to be within the lender’s risk parameters. However, policy […]
