Scanner on UPI as nobody really wants to pay
Hi everyone, Welcome to the 166th edition of The Pattern, a weekly newsletter where we dive into the
Mayank Jain
Low rates nightmare continues for banks: Here's why
Hi everyone, Welcome to the 165th edition of The Pattern, a weekly newsletter where we dive into the
Stressed out! Indian lenders must brace for another storm
Affordable housing finance faces higher NPAs and credit costs in Q1 FY26. Learn why inclusion needs guardrails and how lenders can balance growth with risk.
Quality vs Quantity: The next tug-of-war in India's credit story
With the bank credit growth plummeting from 16% a year ago to a cautious 9% in June 2025, along with export and diesel consumption declining, there are signs that a storm could be in the offing
India's credit game is finally borrower-friendly!
RBI scraps pre-payment penalties, NHB mandates interest on advance EMIs, and FM backs customer-first lending--here's how borrowers just won big.
A look inside India's anti-fraud toolbox
India's digital fraud landscape is evolving. Here's how RBI is fighting back with DPIP, FRI, MNRL, and smarter cybersecurity strategies
Will housing finance be the next poster child of India's credit revolution?
As personal loan growth slows and young borrowers pull back, housing finance is emerging as the next big opportunity in India's credit story backed by demand, policy, and smart lending.
Can a law end the menace of illegal lending?
A single rumour shook India's fintech world. This deep dive unpacks the MDR debate, UPI's revenue puzzle, and what the PRB could change next.
How a rumour killed many a FinTech dreams
A single rumour shook India's fintech world. This deep dive unpacks the MDR debate, UPI's revenue puzzle, and what the PRB could change next.
Banking's Bermuda Triangle Rate cuts, FinTechs and NPAs
RBI's new rule mandates NBFCs to exclude fintech DLGs from provisioning. How will this rule reshape digital lending, impact partnership lending, and redefine accountability for NBFCs?
RBI just changed the rules of engagement; can digital lenders cope?
RBI's new rule mandates NBFCs to exclude fintech DLGs from provisioning. How will this rule reshape digital lending, impact partnership lending, and redefine accountability for NBFCs?
Can secured credit run the rocketship that unsecured loans built?
Indian banks are shifting from unsecured to secured loans amid rising delinquencies and regulatory pressure.