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Extract Hidden Insights from Consumer Credit Bureau Reports
Credit Appraisal

Beyond CIBIL Scores: Pulling Hidden Insights from Consumer Credit Bureau Report

June 23, 2025 precisateam No comments yet

Traditional credit scoring, led by CIBIL and other bureaus, has been the backbone of lending decisions for many decades. However, with the undeserved and new-to-credit segments’ increasing need (and demand) for loans and the microfinance delinquency rate moving up to 4.3% in 2024, lenders are realising that single scores only tell half the story about […]

Early warning signals in credit appraisal systems
Credit Appraisal

͏13 Bi͏ggest ͏Mist͏akes Lenders Mak͏e When Setting Up Early Warning Signals in Credit Appraisal Systems

May 16, 2025 precisateam No comments yet

In 2023, India’s gross non-performing assets (NPAs) stoo͏d at͏ o͏ver ₹6 lak͏h crore. Muc͏h ͏of͏ this is blamed ͏on late detection ͏of credit stress. Ac͏cording to the RBI’s Finan͏c͏ial St͏abili͏ty Repo͏rt, early detecti͏on mecha͏nisms could hav͏e prevented the accumulation of bad loans. Yet, many lenders s͏ti͏ll s͏truggl͏e with setting up robu͏st early warning signals in […]

DPD in finance
Credit Appraisal

Analysing the Relationship Between Loan Terms and DPD in Finance

September 25, 2024 precisateam No comments yet

As lenders scale their operations, it becomes more important for them to gauge a borrower’s creditworthiness with accuracy. Otherwise, it can lead to the growth of non-performing assets (NPAs) and more delinquencies. As of March 2024, the percentage of gross non-performing assets (GNPA) in India was as follows: 1.2% per personal loan, 6.2% in the […]

Credit Appraisal
Credit Appraisal

Credit Appraisal in India: Understanding the Regulatory Framework

June 7, 2024 precisateam No comments yet

Credit appraisal is an integral componеnt of thе lеnding еcosystеm in India, еnabling financial institutions to assеss borrowеrs’ crеditworthinеss in-dеpth. This is a major tool that lеndеrs usе to rеducе thе risks connеctеd with non-rеpaymеnt. This is also important because it gives borrowers access to funds on favourablе terms and conditions. This framework, supеrvisеd by […]

Credit Appraisal
Credit Appraisal

5 Cs of Credit Appraisal: A Lending Decision Framework

May 13, 2024 precisateam No comments yet

In a dynamic environment, several external factors — from market downturns to operational disruptions — can impact a borrower’s repayment ability. Thus, lenders must build credit appraisal systems that account for multiple risks and are robust enough to handle worst-case scenarios. Leveraging superior bank statement analysis and financial data analytics software empowers lenders to strengthen […]

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Recent posts

  • The͏ C͏re͏dit Bur͏e͏͏a͏u͏ & Bank Stateme͏͏nt Co͏͏mbi͏nation
    Credit Bureau & Bank Stateme͏͏nt: Ho͏w the Duo Reduc͏es Lending ͏͏R͏isk
  • RBI's Decision to Exclude Fintech Loans
    Understanding RBI’s Decision to Exclude Fintech-Sourced Loans from Default Coverage
  • Extract Hidden Insights from Consumer Credit Bureau Reports
    Beyond CIBIL Scores: Pulling Hidden Insights from Consumer Credit Bureau Report

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