GANESH E
Author: GANESH E
Understanding NBFC Software Features: What Lenders Need in 2025
Modern lending has evolved. Today’s non-banking financial companies (NBFCs) need more than just basic digital tools—they need comprehensive platforms featuring advanced NBFC software features that drive efficiency and compliance. Among the must-haves: automated bank statement analysis, GST tool integration, and ITR processing modules, which streamline underwriting and strengthen decision-making. What is NBFC software: NBFC software…
Automating Loan Assessment: How Bank Statement Analysis Speed Up Approvals
Ever stared at a 60-page bank statement and thought, “There goes my afternoon”? You’re not alone. Loan teams across NBFCs and banks juggle stacks of statements, rushing to verify incomes, spot red flags, and approve loans before the next application lands. But here’s the thing—manual statement reviews are no longer the gold standard. Today, smart…
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How NBFC Software is Transforming Digital Lending in India (2025 Edition)
Remember when getting a loan felt like standing in a long queue with no end in sight? You’d submit your documents, wait for updates, and then—nothing. Radio silence. If you’re nodding, you’re not alone. For years, this was the normal borrowing experience in India. But now, with the rise of digital lending and the evolution…
Why Borrowers Lie Less When You Have Better Tools
Borrower transparency isn’t just a compliance checkbox—it’s your line of defence. For lenders, underwriters, and NBFCs, the accuracy of a loan file could mean the difference between a profitable deal and a ticking time bomb. But here’s the overlooked truth: borrowers don’t lie just because they want to. They lie because they think they can…
Why Lenders Care More About Assets Than Revenue
You’re a lender reviewing two businesses.One earns ₹10 crore a year in revenue, but owns barely any equipment or property. The other brings in only ₹3 crore—but sits on land, machinery, and inventory worth ₹15 crore.Who would you trust more?Exactly. Revenue is flashy. Assets are foundational. This simple contrast is why the age-old debate of…
5 Signs Your Loan Processing Workflow Is Leaking Money
In one NBFC branch, a ₹12 lakh personal loan was approved in 6 days—only to be written off in 3 months. The documentation looked perfect, the bank statement looked clean… until collections found it was doctored. The real issue? A process so busy that no one had time to dig deeper.Loan processing, when not reviewed…
The Hidden Risks of Non-Compliance in GST Returns
Ever seen a business spend years building its brand—only to get slapped with a massive tax penalty that wipes out its cash reserves in a single notice? That’s not drama; that’s what non-compliance with GST compliance requirements can do. And the worst part? Most businesses don’t even see it coming.Let’s break down why this isn’t…
The Red Flags of Tax Evasion Hiding in GSTR-3B and GSTR-1
Ever looked at a GSTR-3B and thought, “Everything looks fine”? That’s exactly what someone trying to hide tax evasion wants you to think. The truth is, mismatches and manipulation don’t scream at you—they whisper. And for lenders, auditors, and NBFCs, missing these red flags means green money silently walking out the door. So let’s unpack…
The Modern Underwriter’s Checklist: What Actually Matters in 2025
“Do you know how many loan files a senior underwriter clears in a day at a mid-sized NBFC?” Somewhere between 25 to 40. That’s one every 10–15 minutes. Not much time to catch fraud, misreports, or subtle red flags. And yet, one mistake could cost lakhs—or worse, your company’s reputation. That’s the pressure of credit…
How to Detect Borrower Fraud Before It Hits Your Balance Sheet
“He seemed genuine—until the EMI bounced. Twice.”That’s what a frustrated loan officer said after a ₹40 lakh business loan turned sour. The borrower had all the right documents, clean statements, even a good credit score. But three months in, the cracks began to show. Welcome to the real face of borrower fraud—quiet, clever, and far…