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October 13, 2026
Lending and housing finance
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...
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October 9, 2026
The Rise of Rural Credit Scores: How Will India Measure the Creditworthiness of Rural Borrowers?
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,...
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October 6, 2026
A Loan Can Be Policy-Compliant and Still Be a Bad Loan
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...
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October 5, 2026
Beyond Credit Bureaus: How Alternate Data Could Change the Way Lenders Assess Borrowers in India
For decades, a borrower’s access to formal credit in India has depended largely on a single number: the Credit Score generated from bureau data. This system works reasonably well for...
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September 29, 2026
Rethinking lending performance metrics
In lending, performance is often measured through familiar numbers such as AUM growth, disbursements, approval rates and turnaround time. These metrics are important indicators of business performance, but they do...
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