Bank

MUMBAI, May 7, 2026 – In a fundamental shift that promises to reshape India’s credit landscape, lenders across the country are increasingly looking beyond traditional CIBIL scores and prioritizing real-time cash flow analysis and digital footprints to assess loan applicants. The transition marks a departure from decades-old lending practices that heavily relied on credit bureau […]

If you’re shopping for a mortgage, you’ve likely heard the mantra that a higher credit score gets you a better deal. But lenders have many score tiers, and moving into the highest one yields diminishing returns. The widely accepted threshold for the best home loan deals is a FICO score of 760 or higher across […]

As property values, interest rate cycles, and tax policies evolve, borrowers across various segments are approaching home loans with a more analytical financial perspective. The Indian home loan market has experienced significant changes over the past decade. By August 2025, housing loans increased by 9.7% year-on-year, with consistent demand observed in both major cities and […]