I don't know what's worse - the fraud, or how long it takes for anyone to notice.

The rising risk in small-ticket lending.

For every ₹100 you pay in premium to a private insurer, ₹38 goes to commissions.

Our Loan Against Shares (LAS) business just crossed Rs 500 crores. It's a business that we hadn't spoken about much for a long time, for a variety of reasons, including regulatory. But the reason why we offer LAS via Zerodha Capital is that it's a secured product. The other

At fintech firms, about 80% of borrowers are 35 or younger. At traditional NBFCs, most borrowers are above 35. Younger borrowers tend to have shorter credit histories, uneven incomes and limited savings. More than 70% of fintech loans have no collateral behind them.

Student loan defaults didn't spike overnight. The US govt paused reporting during COVID. 2025 is just when the bill arrived. Borrowers are getting credit score hits for the first time. Mortgages, car loans, apartments, etc. all harder to get, overnight.

The market is too calm given whatever is happening. I'm not sure it should be, and that is making it even scarier 😬

Slow-building stress, that doesn't show up loudly until it does.

1.

Housing loans in India have nearly doubled in under 4 years. Nothing else comes close.

Priorities are shifting in the US as the cost of living bites. 🥶

Banking app flows are designed for speed. It’s very easy to do something extremely stupid.

From July 2026, lenders must report your credit data to bureaus every week instead of every 15 days. If you pay off a loan, clear an outstanding, or pay your credit card bill in full, your credit score reflects it faster than before. If you are planning a new loan, this

Most people with a life insurance policy know two things they can do with it: keep paying premiums, or surrender it. You can also take a loan against it.

Women are driving growth in borrowing across every product category.

😬

NBFC-MFIs aren’t banks, they’re specialised lenders focused on giving small loans to people traditional banking doesn’t fully reach. These loans help people manage daily needs, run small businesses, and handle emergencies.

HDFC wins on size, but ICICI wins on every rupee it actually lends.

RBI’s new e-mandate framework 🧵👇 When payments like EMIs, SIPs, insurance premiums, or subscriptions are deducted automatically, they’re enabled through e-mandates, standing instructions that allow merchants to debit your account periodically.