When a company applies for a working capital limit or term loan, the credit file usually includes three years of financial statements: a balance sheet,...
The Bank Statement Is Still the Centre of the Credit DecisionIn Indian lending, very few documents carry as much weight as the bank statement.A salary slip t...
The Risk Doesn’t Begin When the EMI BouncesIn housing finance, a stressed account is rarely the result of a single event.A borrower may have changed em...
Artificial intelligence is rapidly changing financial services. Banks, NBFCs, insurers, and fintechs are using AI to automate underwriting, analy...