Fresh insights on credit risk, AI in lending, financial compliance, and data-driven decision-making; written for the professionals reshaping modern finance.
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Credit Underwriting
September 26, 2026
The interest coverage ratio (ICR) is one of the most searched financial ratios in India, yet most explanations stop at the formula.…
Credit Underwriting
September 26, 2026
A term loan proposal can clear every document check and still fail on one number. The debt service coverage ratio (DSCR) tells…
Credit Underwriting
September 25, 2026
Ask five underwriters at five different NBFCs what a complete MSME credit review looks like, and you’ll likely get five different answers,…
Credit Underwriting
September 25, 2026
Underwriting is usually built around a single unit of analysis: one borrower, one loan file, one primary bank account. That’s a reasonable…
Credit Underwriting
September 24, 2026
Most underwriting effort in MSME lending happens before disbursement: verifying income, checking obligations, sizing the loan. What happens to the money afterward…
Credit Underwriting
September 24, 2026
A loan application states a monthly income figure. The underwriting question is simple to ask and less simple to answer: does the…
