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Nobody plans to get stuck in debt. It usually happens in small steps that seem fine at the time. A late EMI payment here, a small personal loan there, one extra credit card because it felt convenient. None of these feel like a big deal on their own. But add them up over a year […]
For years, the credit bureau score has been one of the most important indicators in lending. A strong score signals responsible repayment behaviour, while a weak score often raises an immediate question around credit risk. But for millions of rural borrowers in India, the challenge may not be poor credit behaviour. It may simply be […]
For decades, the Indian microfinance sector has viewed the monsoon as a familiar variable in the lending cycle. Good rainfall meant stronger agricultural output, healthier household incomes and better repayment behaviour. A weak monsoon warranted caution. But climate patterns today are making that relationship far more complex. It is no longer the quantity of rainfall […]
A Credit Score is often considered an important part of a borrower’s financial profile, but having no established Credit History and having a Low Credit Score are two entirely different situations. The distinction is important because the absence of a credit track record does not necessarily indicate poor financial behaviour, while a low score generally […]
The lending industry has mastered eligibility. The next challenge is affordability. The Indian lending industry has undergone a remarkable transformation over the past decade. What was once a paper-intensive, collateral-driven process has evolved into a technology-enabled ecosystem capable of making credit decisions in minutes. Digital public infrastructure such as Aadhaar, e-KYC, Account Aggregators, UPI and […]
