FinBox Research
Topic

NBFC

India's non-banking financial companies — how they're regulated, how they raise capital, and how they're using technology to compete with banks on speed and reach.

NBFC
Digital-first credit transformation for Indian NBFC - A FinBox case study
How a leading NBFC took the third option — partner instead of build-or-buy — and now originates 60% of its loans digitally across proprietary apps, 40+ point-of-sale partners, and an omnichannel co…
5 May 2026 11 min read
Four years later, an industry reshaped
Five themes ran through nearly every edition we published over these four years. We're naming them plainly -- and saying what each one actually meant.
17 Apr 2026 6 min read
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.
11 Jul 2025 4 min read
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?
6 Jun 2025 6 min read
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?
30 May 2025 4 min read
Insolvency A new infinity loop for the Indian lenders
What happens when bankruptcy resolutions don't stay resolved? A deep dive into the IBC, lenders' frustration, and the need for reform.
16 May 2025 4 min read
Will climate change heat up India's financial stress?
Climate change is no longer just an environmental issue--it's a rising credit risk. From crop losses to loan defaults, this piece explores how extreme weather is reshaping India's financial ecosystem and what banks must do to adapt.
2 May 2025 4 min read
Will the rule of three help fix Indian microfinance?
How the three-lender cap rule aims to fix overleveraging, reduce NPAs, and bring clarity to India's microfinance lending ecosystem.
4 Apr 2025 4 min read
RBI eases risk weights but can it keep the lending house in order?
RBI eases lending norms to boost credit flow, but with soaring NPAs, is this a financial masterstroke or a risky gamble? Dive into the full analysis here.
28 Feb 2025 4 min read
Turmoil among lenders sparks search for a savior
The big fight between cash crunch, interest rates and a slowdown in waiting.
14 Feb 2025 3 min read
Fintech Regulation
Why are Indian NBFCs setting sail for offshore funding?
RBI's strict regulations on Indian NBFCs are pushing them to seek capital from offshore markets. What does that mean for India's evolving financial landscape?
20 Dec 2024 4 min read
A lacklustre Diwali is on the cards for Indian lenders, here's why
Credit crunch and rising costs put pressures on the bottom line
25 Oct 2024 3 min read
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