OneFin news and milestones

The Reserve Bank of India has proposed a change that could reshape how NBFCs design their lending products. Draft Amendment Directions issued on August 6, 2026 would restrict NBF…

The Reserve Bank of India released its draft Guidance on Regulatory Expectations for Data Governance on July 15. Comments from regulated entities are open until August 17. On pap…

For most lenders, model risk management till now has meant credit scoring. A bureau-based scorecard, some NPA prediction analytics, periodic risk team review. The regulatory anch…

The RBI's June 2026 Financial Stability Report opens with a specific framing: geopolitical fragmentation and AI-driven disruption are reshaping the global financial system at the…

India imports approximately 87% of its crude oil. With the Middle East in prolonged conflict and crude above $100 per barrel, this dependence has moved from a background cost to…

Education lending was among the fastest-growing NBFC asset classes for two consecutive years. The thesis was legible: premium foreign universities, an IT employment pathway post-…

India's current account deficit has long been financed with relative ease. FDI absorbed a large part of it, and portfolio flows added a further cushion. In FY26, both have thinne…

Recently, the RBI has had quiet consultations with the US Federal Reserve and the Bank of England. The subject was not monetary policy. On April 23, the Finance Minister chaired…

Introduction Bihar accounts for roughly 15% of India's microfinance portfolio. No other state comes close. When the Bihar Assembly passed the Micro Finance Institutions (Regulati…

1. Introduction For most of the past decade, women borrowers were treated as a segment worth monitoring but not one that demanded strategic attention from mid-market lenders. Tha…

After five consecutive quarters of contraction, India's microfinance sector is showing its first genuine signs of recovery. Disbursements turned year-on-year positive in Q3 FY26.…

Introduction The EY Private Credit in India H2 2025 report paints a broadly constructive picture of India's lending landscape. NBFC credit growth accelerated through the second h…

India's digital lending infrastructure has come a long way. Loan origination that once took weeks now takes hours. Credit access has extended to borrower segments that formal fin…

When a lender holds cash collateral against potential loan losses but still must provision for those same losses, something feels off. For months, NBFCs faced exactly this scenar…

Introduction The 2026 Budget announced the merger of Power Finance Corporation and Rural Electrification Corporation. This would be the first step in improving scale and efficien…

Introduction India's Budget 2026 introduces the biggest structural change to MSME lending since MUDRA. The CGTMSE credit guarantee scheme now extends to invoice discounting throu…

If you missed Part 1 of the FSR 2025 series, you can read it here . Introduction The RBI's December 2025 Financial Stability Report delivered both validation and a strategic sign…

India's Loan Against Property (LAP) market will reach USD 2.8 trillion by 2034 , growing at 13% each year. The opportunity is large. But operating challenges limit how fast lende…

Introduction "The outlook for 2026 and beyond is shrouded in uncertainty," wrote RBI Governor Sanjay Malhotra in the December 2025 Financial Stability Report . Overall, India's f…

Introduction Credit information reporting is moving from a monthly task to a near-real-time discipline. The Reserve Bank of India's Amendment Directions issued in December 2025 m…

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