Driven by the rapid rise of digital payments and widespread technology adoption, India's Fintech sector is on an explosive growth trajectory.
For entrepreneurs looking to establish a Fintech company, navigating the regulatory, legal, and opera...
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Non-Banking Financial Companies (NBFCs) are grappling with mounting defaults, prolonged legal processes, and tightening cash flows. In today’s landscape, debt recovery isn’t just about compliance—it’s about business continuity...
Most loan defaults don’t happen because of bad customers — they happen because of bad credit decisions.
Yet, many NBFCs still rely on outdated, unstructured loan assessment methods.
If you’re serious about scaling safely and s...
The demand for digital credit in India is at an all-time high.
From MSMEs to individuals, the appetite for alternative financing is growing rapidly — and Non-Banking Financial Companies (NBFCs) are at the forefront of this revolution.
Wit...
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If you're building in Fintech, Lending, or BFSI, obtaining an Account Aggregator (AA) License is your gateway to innovation and compliance.
An Account Aggregator is a platform regulated by the Reserve Bank of India (RBI) that enables users to ...
The Reserve Bank of India (RBI) has released draft guidelines on gold loans, aimed at improving transparency and regulatory consistency in the sector. While these new norms bring much-needed clarity, they also introduce stricter compliance requiremen...
The Reserve Bank of India (RBI) has launched the PRAVAAH Portal — a centralized online platform designed to streamline all regulatory approval processes.
What is PRAVAAH?
PRAVAAH (Platform for Regulatory Application, Validation, and Autho...
With increasing regulatory scrutiny, fintech startups and NBFCs must ensure alignment with global and local data protection laws to remain competitive and trusted:
Key Regulations to Watch:
→ GDPR – Emphasizes a consent-first approac...
In today’s competitive market, delayed payments can create major cash flow challenges—especially for Micro, Small, and Medium Enterprises (MSMEs). That’s where factoring steps in as a powerful financial solution.
What is Factor...
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This exponential growth is being fueled by:
→ Rapid internet penetration
→ A thriving fintech ecosystem
→ Increasing demand for credit
The opportunity is massive — but navigating the regulatory landscape demands strategic p...
Valued at $350 billion, India’s lending market is projected to surpass $720 billion by 2030 — unlocking immense opportunities for lenders across the ecosystem.
What is Co-Lending?
Introduced by the RBI, co-lending allows banks and...
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In the era of Open Finance, NBFC Account Aggregators (AA) are revolutionizing how financial data is shared, accessed, and utilized. If you're a fintech, NBFC, or financial service provider, an NBFC-AA license could be your key to unlocking a futu...
With rising competition and evolving RBI regulations, NBFCs are increasingly opting for mergers to gain a competitive edge.
An NBFC merger is a strategic move where two or more Non-Banking Financial Companies join forces to form a single, stronger...
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The Reserve Bank of India (RBI) has imposed fines on six NBFCs for violating key regulatory norms under the RBI Act, 1934. These penalties, totaling over ₹60 lakh, highlight RBI’s tightening grip on governance and compliance.
Who Got Fined...
Aditya Birla Capital has officially merged with its subsidiary, Aditya Birla Finance.
This isn’t just a merger—it’s a strategic move to simplify structure, enhance financial strength, and boost operational efficiency.
Why This...
XBRL (Extensible Business Reporting Language) is a standardized format designed to enhance accuracy and efficiency in financial reporting.
As per RBI regulations, all NBFCs, particularly those classified under Non-Deposit Taking and Non-Systemical...
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India’s Peer-to-Peer (P2P) lending market is growing at an impressive 21% CAGR, transforming how individuals and businesses access credit. By eliminating intermediaries, P2P platforms offer faster and more flexible funding solutions.
Why is ...
Did you know that failing to register with FIU-IND can result in:
⚠️ Heavy penalties
⚠️ Business restrictions
⚠️ Reputational damage
The Financial Intelligence Unit - India (FIU-IND) plays a crucial role in monitoring and preventing money laund...
Traditional KYC is slow, expensive, and vulnerable to fraud. Video KYC (vKYC) is revolutionizing the process by making it faster, safer, and more efficient.
✅ Faster Approvals – Complete KYC in 10-15 minutes, loan disbursal within 48 hours.
...
The Alternative Investment Fund (AIF) industry in India is booming, with a 35% CAGR over the last five years!
AIFs provide investors with an opportunity to diversify beyond traditional assets like stocks and bonds. With targeted investments in hig...
The RBI has recently canceled multiple NBFC registrations, leading to financial and operational disruptions. If your NBFC is affected, you have 30 days to appeal!
Key Reasons for Cancellation:
✔ Non-compliance with the RBI Act
✔ Inadequate cap...
RBI Halts New Credit Lines & Renewals for Large NBFCs
The Reserve Bank of India (RBI) has directed large Non-Banking Financial Companies (NBFCs) to stop issuing new lines of credit and renewing existing ones for businesses.
Why?
NBFCs ha...
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India’s credit landscape is rapidly evolving, and Pass-Through Certificates (PTCs) are driving this transformation.
What Are PTCs?
PTCs are financial instruments backed by loan pools, allowing NBFCs to transfer loan ownership to ban...
NBFCs play a crucial role in India’s credit ecosystem, but non-compliance and operational missteps can lead to RBI penalties, financial losses, or even shutdowns!
Recently, RBI imposed penalties totaling ₹76.60 lakh on four NBFC-P2P lenders ...
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The Reserve Bank of India (RBI) has imposed a ₹33.10 lakh monetary penalty on IIFL Samasta Finance Limited for failing to adhere to regulatory norms.
🔍 Key Violations Identified:
❌ Charging interest before loan disbursement
❌ Misclassifying NPA...
The NBFC sector is a pillar of India’s financial ecosystem, but it faces regulatory, liquidity, and operational hurdles that impact growth and stability.
🔍 Top Challenges NBFCs Face:
⚠️ Regulatory Hurdles – Stricter RBI norms lead ...
India’s digital lending industry is on a rapid growth trajectory, projected to hit $1.3 trillion by 2030! With AI-powered risk assessment, fintech innovation, and RBI-backed policies, the sector is ripe with opportunities.
💰 Want to tap int...
Thousands do—and they pay a heavy price.
🚨 Scammers are getting smarter! They pose as NBFCs, run flashy ads, and promise instant loans. But once you download their app, they steal your contacts, messages, and photos—leading to harassm...
India's lending sector is on a meteoric rise, fueled by an expanding middle class, fintech innovation, and strong regulatory support.
This growth presents a golden opportunity for foreign investors, fintech firms, and financial instituti...
Digital lending is set to hit ₹5 TRILLION by FY28! 📈
With a 40% CAGR growth, the industry is expected to double its market share in India’s retail loan space in just four years.
And the best part? It’s just getting started!
What...
If you're running an NBFC, you already know—compliance is non-negotiable. One missed filing or overlooked regulation could lead to penalties, restrictions, or even license cancellation.
With RBI tightening regulations, staying compliant ...
Most people fear credit cards—but when used wisely, they can skyrocket your credit score faster than anything else! 🚀
Here’s how:
✅ Use Only 30% of Your Limit
Keeping your usage low shows lenders you’re responsible.
✅ Pay...