The Saarathi team shares insight on alternative data, underwriting methods, SME lending, and India's regulatory landscape.
NBFCs serving underserved micro-businesses face a paradox: those needing credit most often have the least bureau data. Here is how lenders are rethinking evaluation.
Read ArticleSpeed matters in SME lending. Borrowers who wait three days may walk away or seek informal credit. This piece explains the data pipeline that makes three-minute assessment technically feasible.
Read moreBureau scoring and cash-flow analysis measure different aspects of credit risk. Knowing the distinction helps credit managers use both signals appropriately.
Read moreRBI digital lending rules place responsibility on NBFCs using automated credit tools. This guide covers explainability, consent, audit trails, borrower disclosures, and vendor controls without treating compliance as a barrier to speed.
Read moreNBFCs serving small businesses can spot emerging default risk earlier by tracking behavioral changes in transaction data, not only traditional warning indicators.
Read moreFor fintech lenders using alternative data, the Digital Personal Data Protection Act 2023 sets rules for consent, purpose limits, and borrower information handling.
Read moreReliable alternative-data lending depends on the collection, validation, and feature layers beneath the credit model, not only on model design.
Read moreEarly pilots examined invoice frequency, buyer concentration, and receivable aging as credit signals for micro-businesses, testing their value against real portfolio performance.
Read moreIndia's bureau system was designed around salaried work and consumer credit. Small business owners may run sound businesses despite weak bureau profiles, creating a structural gap that alternative data can address.
Read moreIndia has 60 million-plus micro-enterprises, yet formal credit reaches only a fraction. See why bureau data misses them and how alternative data signals can support emerging-market lending decisions.
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