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How Gen Z Is Redefining Credit and Debt Culture in India

How Gen Z Is Redefining Credit and Debt Culture in India

For years, debt in India was often viewed as something to avoid unless absolutely necessary. Loans were primarily associated with buying a home, funding higher education, or meeting emergency expenses. However,...

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Beyond Compliance: How RBI’s New Responsible Business Conduct Framework Will Reshape NBFC Growth

Beyond Compliance: How RBI’s New Responsible Business Conduct Framework Will Reshape NBFC Growth

Beyond Compliance: How RBI’s New Responsible Business Conduct Framework Will Reshape NBFC Growth  On 15 June 2026, the Reserve Bank of India introduced the Reserve Bank of India (Non-Banking Financial Companies – Responsible...

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Why Rural Credit Digitization Is Moving Slower Than Expected

Why Rural Credit Digitization Is Moving Slower Than Expected

Why Rural Credit Digitization Is Moving Slower Than Expected  A small farmer in Vidarbha earns steadily across three seasons, repays his informal lender on time every cycle, and holds clear...

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Buy Now, Pay Later: Is It Destroying Young People’s Credit?

Buy Now, Pay Later: Is It Destroying Young People’s Credit?

Buy Now, Pay Later (BNPL) services have transformed the way young consumers shop by making purchases more accessible and affordable. With just a few clicks, consumers can split payments into...

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Has Digital Lending Become Too Dependent on Bureau Data

Has Digital Lending Become Too Dependent on Bureau Data

A young professional with a stable income applies for her first loan and gets rejected because she has no meaningful credit history. Meanwhile, another borrower with an excellent credit score...

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