RIYAS BABU
Author: RIYAS BABU
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How RegTech Solutions Are Revolutionizing Financial Compliance Automation in 2025
In finance, compliance is non-negotiable — but it’s also complicated.Every regulation update, audit, and policy change adds another layer of complexity for banks, NBFCs, and fintechs. Manual compliance processes no longer cut it. They’re slow, costly, and error-prone.That’s where RegTech — or Regulatory Technology — is stepping in. RegTech solutions for financial compliance are reshaping…
Beyond Income: Why Volatility Score Is the Future of Credit Risk Analysis
For years, lenders have relied on income statements to judge repayment capacity. Yet defaults persist—even among borrowers with stable, high salaries. Income shows earning power, not financial discipline. The real indicator of repayment reliability is cash-flow stability, not static income data. This is where the Volatility Score transforms credit assessment. It provides a sharper, data-driven…
How AI-Powered GST Tools Are Revolutionizing Compliance & Tax Analysis
Remember when GST filing felt like juggling spreadsheets, receipts, and late-night panic?Those days are (thankfully) fading fast. Artificial Intelligence has quietly slipped into the taxation scene, and it’s changing how businesses handle compliance forever.Today’s GST tools aren’t just calculators — they’re intelligent systems capable of spotting mismatches, preventing errors, and offering deep financial insights in…
What Lenders Often Miss in ITR Analysis – and How to Fix It
Let’s face it — even experienced lenders can overlook key financial clues hidden inside an ITR.The numbers may appear solid, but the real financial truth often hides in the fine print. That’s where ITR based income verification takes the spotlight. It’s not just a buzzword anymore — it’s a smarter, faster way to validate borrower…
Why Every NBFC Needs an ITR Analyser for Smarter Lending in 2025
Lending isn’t just about gut instinct anymore — it’s about data, speed, and precision. And in 2025, NBFCs that rely only on traditional income checks are already falling behind those that use smarter automation tools.That’s where an ITR Analyser for NBFC changes the game. The Shift: From Manual Verification to Data Intelligence For decades, income…
ITR vs Salary Slip: Finding the Most Reliable Income Proof for Loan Approval
Ever seen two applicants with the same credit score — but one gets approved instantly while the other faces “further verification”?That’s often because of one thing lenders don’t joke about: income proof for loan. Your credit score may show how you repay.But your income documents reveal if you can repay.And when it comes to proving…
Why ITR Analysis for Creditworthiness Outperforms CIBIL Alone
Lenders have long relied on CIBIL scores to gauge repayment potential. It’s quick, standardized, and widely recognized. But here’s the catch: a high credit score doesn’t always guarantee a borrower’s ability to repay. Seasonal income, hidden liabilities, or unreported earnings can slip past traditional credit checks. This is where ITR Analysis for creditworthiness steps in.…
Top 7 Red Flags That Can Trigger a GST Audit & How to Avoid Them
Ever had that tiny fear when filing your GST return — “What if this triggers an audit?”You’re not alone. GST audits can be intimidating, especially when you’re not sure what went wrong. The truth is, most audits don’t happen randomly. They’re usually triggered by specific data mismatches or filing errors that catch the system’s eye.…
How Automation Simplifies GST Audit Reporting for Businesses
Navigating the world of GST audit can feel like walking a tightrope for today’s finance professionals. The stakes are high, the rules change often, and manual processes can slow everything down. With digital GST compliance now the norm, automation is rewriting the story—taking the pain out of audits and putting businesses back in control. For…
From Invoice to Return: What GSTR-1 Means and Why It Matters for Your Business
If you handle GST filings, you’ve probably seen the term GSTR-1 pop up everywhere. But what does GSTR 1 mean, really?Think of it as the digital paper trail that shows every sale your business makes — the government’s way of ensuring all taxable supplies are accurately reported. Simple idea, serious impact. Let’s decode it. What…