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INSIGHTS

Notes from the
engineering desk.

Short, practical pieces on the mechanics of Indian lending: what the regulation actually requires, what breaks in production, and how we built around it.

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REGULATIONCOLLECTIONSCO-LENDINGCREDIT POLICY
LATEST ARTICLES

Three to start with.

REGULATION · 6 MIN

What the nightly IRAC run has to get right

SMA-0 to Loss is not a month-end exercise. Here is what a correct daily classification engine does, and where spreadsheets quietly fail.

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COLLECTIONS · 5 MIN

UPI AutoPay vs eNACH for EMI collection

One lender moved 68% of EMIs to UPI AutoPay and 24% to eNACH. What each rail is good at, and why the answer is both.

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CO-LENDING · 7 MIN

CLM-2 co-lending: where the 80:20 split actually lives

Co-lending sounds like a commercial arrangement. In practice it is a ledger problem. Here is how the split has to work at every event.

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Editorial note. These three articles are drafted by the Finpage team as launch content; add author names and dates, and remove this note, before publishing.

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