TECH NEWS
Why the real bottleneck in Indian lending isn’t the model but the weeks it takes to change a rule
By Srijan Nagar, Co-Founder of FinBox India’s next wave of borrowers is already here. They’re in Surat, Kanpur, Coimbatore, applying for loans through their phones, many of them for the first time. Personal loan applications from smaller cities grew sharply through 2025, and lenders have largely built the