A few years ago, India’s digital-lending ecosystem faced a very different problem.  Instant-loan apps many of them linked to overseas operators were offering quick, unsecured credit at extremely high costs, often targeting borrowers with limited access to formal finance. Concerns around aggressive recovery practices, excessive charges, data misuse and debt cycles eventually led to significant […]

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 […]

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 […]