MSME Lending

A pause from constraint, not comfort

For many small business owners, even with steady cash flow, every loan discussion comes down to one question: what collateral can you pledge?

Building a financial system is a lot like building a product. Early on, the focus is on shipping features and onboarding users. Does it work? Can people sign up?

SMEs in India do remarkable things with limited oxygen. This one is for lenders who want clarity, SMEs who want a breathing room, and anyone tired of hearing about AI without hearing how it helps.

As 2025 closed, a trio of developments in Indian banking hinted at more than just another credit cycle

FinTech's progress in 2025. And what it means for 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 new gold standard isn't gold.

Affordable housing is getting a lot more scientific. Underwriting is shifting from one-size-fits-all to profile-specific playbooks, and behavior is now a key signal in secured lending.

From the shampoo bottle in your Q-commerce cart to your dream car, the Goods and Services Tax (GST) silently decides how far your money really goes.

Last week in finance, today.

RBI scraps pre-payment penalties, NHB mandates interest on advance EMIs, and FM backs customer-first lending--here's how borrowers just won big.