For much of FY25, gold loans emerged as one of the fastest-growing retail credit segments in India. Record-high gold prices increased borrowing capacity, demand remained resilient across both urban and rural markets, and lenders aggressively expanded their gold loan portfolios.  FY26, however, presents a very different environment.  Gold prices have witnessed periods of correction after touching historic highs, prompting several lenders to issue […]

Over the past few years, co-lending has evolved from a regulatory construct into a strategic growth lever for India’s lending ecosystem. The model offers a compelling proposition: banks contribute capital and balance-sheet strength, while NBFCs and fintechs provide customer access, underwriting capabilities, and distribution reach. In theory, the arrangement allows both parties to leverage their […]

Your credit card is more than just a convenient payment tool. It is one of the most influential factors in determining your Credit Score. Every swipe, payment, and financial decision contributes to your credit history, which lenders use to assess your creditworthiness. While many people focus solely on paying their bills on time, maintaining a healthy Credit Score requires a combination of […]

India’s fintech revolution has transformed the mechanics of lending. Credit can now be sourced, underwritten, approved, and disbursed at a speed that would have been unimaginable a decade ago. Digital lending platforms, alternative credit scoring models, Account Aggregators (AA), Open Credit Enablement Network (OCEN), and AI-driven underwriting have fundamentally reshaped the lending ecosystem.  Yet, beneath […]

For years, debt in India was often viewed as something to avoid unless absolutely necessary. Loans were primarily associated with buying a home, funding higher education, or meeting emergency expenses. However, Generation Z is changing this narrative. Growing up in a digital-first world, Gen Z sees credit as a financial tool that offers convenience, flexibility, and […]