Risk Scoring

Affordable housing finance faces higher NPAs and credit costs in Q1 FY26. Learn why inclusion needs guardrails and how lenders can balance growth with risk.

With the bank credit growth plummeting from 16% a year ago to a cautious 9% in June 2025, along with export and diesel consumption declining, there are signs that a storm could be in the offing

But this year, 40,000 taxpayers suddenly needed to file corrections, withdrawing ₹1,045 crore worth of deductions they had claimed.

Fraud orchestration is no longer about convincing computers that one is human. It's now about trying to convince AI systems of one's humanness and trustworthiness.

RBI's new rule mandates NBFCs to exclude fintech DLGs from provisioning. How will this rule reshape digital lending, impact partnership lending, and redefine accountability for NBFCs?

RBI's new rule mandates NBFCs to exclude fintech DLGs from provisioning. How will this rule reshape digital lending, impact partnership lending, and redefine accountability for NBFCs?

Indian banks are shifting from unsecured to secured loans amid rising delinquencies and regulatory pressure.

It sounds liberating to investors and it is quite powerful. But there is something about the news that raises questions we are not discussing enough. The explainability.

What happens when bankruptcy resolutions don't stay resolved? A deep dive into the IBC, lenders' frustration, and the need for reform.

RBI dropped its comprehensive Digital Lending Directions 2025, a regulatory framework that will fundamentally reshape how lending happens in the digital sphere.

The "black box" problem refers to AI systems that make decisions through processes that remain opaque even to their creators. The dilemma is straightforward: if we cannot explain how AI reaches its conclusions, how can we possibly trust it?

Climate change is no longer just an environmental issue--it's a rising credit risk. From crop losses to loan defaults, this piece explores how extreme weather is reshaping India's financial ecosystem and what banks must do to adapt.