As IRDAI explores a shared digital infrastructure for insurance, the real test will be balancing data accessibility with privacy, consent and accountability.  India’s proposed Public Insurance Registry (PIR) could address a longstanding challenge in the insurance ecosystem: fragmented information across insurers, intermediaries and other institutions. By enabling standardised and interoperable access to insurance information, the […]

Coming into some extra money, a bonus, a maturing fixed deposit, an inheritance, tends to raise the same question for anyone carrying a loan: should this go toward closing the debt sooner. The instinct to say yes is understandable, and often correct, but not automatically so. Whether prepayment genuinely saves money depends on a set […]

In an increasingly competitive lending landscape, lenders are under pressure to scale disbursements, improve customer experience and maintain portfolio quality, while managing cost of operations. Against this backdrop, 100% Risk Containment Unit (RCU) verification warrants a closer look. While universal verification strengthens the coverage of pre-disbursement controls, applying the same verification intensity across the loan […]

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 […]

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 […]