The changing job of credit
Credit is no longer just about growth or ambitions. For many people, it's becoming a financial response to life's curveballs.
Mayank Jain
Reading between the credit lines
When banks talk about growth, the number everyone focuses on is simple: how fast loans are rising.
Fraud has changed. Now verification must too.
Over the last six years, total losses from fraud and cheating cases are estimated at over ₹53,000 crore.
The next test for India's banking system
As 2025 closed, a trio of developments in Indian banking hinted at more than just another credit cycle
The Pattern No.185: India's financial system crossed a point of no return in 2025
FinTech's progress in 2025. And what it means for 2026
Google's new card shows where credit is headed next
Welcome to the 184th edition of The Pattern, a weekly newsletter where we dive into the latest from
What cheaper loans mean in a heavily indebted nation
If you're an Indian borrower today, two things are happening at once. Your home loan is getting cheaper.
When a rate cut meets a record-low rupee
The RBI cut rates today -- a neat, expected 25 bps move. Normally, that would have been the headline.
Faster scores, tighter checks -- the new DNA of lending in 2026
Two pieces of news surfaced this week that, at first glance, seem unrelated.
DPDP will rewire how India lends. Here's how
Welcome to the 180th edition of The Pattern, a weekly where we dive into the latest from the
The quiet capital build-up shaping 2026
Some of finance's most meaningful shifts happen quietly. No announcements, no warnings and no urgency. Just a quiet, strategic shift. Indian banks preparing to raise about 15,000 crore in Tier II capital is exactly the kind of moment.
The Pattern No.178: Silver linings - Why India's new collateral shift matters
The new gold standard isn't gold.