NBFCs need sharper digital risk-infrastructure
By Rohit Arora, CEO & Co-Founder, Biz2X and Biz2Credit
India’s lending market is walking a tightrope right now. On one side, there is genuine growth — domestic demand is holding up, credit penetration still has room to run, and businesses need capital. On the other hand, there is a landscape increasingly shaped by geopolitical uncertainty, energy-price swings, currency movements, and tighter liquidity conditions.
For NBFCs and digital lenders, this tension cuts deeper than it does for traditional banks. Banks can lean on stable deposit bases. Most NBFCs are pulling funds from bank borrowings, market debt, commercial paper, and external funding lines. When crude spikes or the rupee weakens or liquidity dries up even a little, the impact does not trickle down. It hits fast, showing up in the cost of funds, which then ripples into margins, borrower selection, and how portfolios get built.
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