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​Despite increasing number of students not paying back their loans spiking NPAs to over 10 per cent, lending continues for higher education with the disbursals topping Rs 20,000 crore in fiscal 2017.

CRIF High Mark already provides information to lenders about indebtedness of borrower on JLG loans and Individual loans. We are working with many smaller cooperative banks and NBFCs also to even include their entire data in bureau database, this will enable getting even fuller picture of the…

Crif High Mark Credit Information Services’ Kalpana P. Pandey says of late, awareness about credit reports and credit scores for individuals has increased.

​​Credit information companies are in talks with the central banks to find ways to modify the rule on the time period.

​“Average ticket size of microfinance loans in West Bengal increased to Rs29,000 at September end from Rs20,000 as on March 2015, capturing a 45% growth, while other top four states like Maharashtra, Uttar Pradesh, Tamil Nadu and Karnataka managed a 20% growth in the same period,” Kalpana Pandey

With visa restrictions and other hurdles in place for migrant job seekers, the number of Indian students seeking entry into US institutions by securing a loan rose barely 5°/o year-on-year to 1.9 lakh in financial year 2018, accor­ding to a recent report. By comparison, in the Obama years, the…

It took about seven years for Anil Agrawal, 35, a Pune-based sales manager, to clear off four different loans he had accumulated over a period of five years. He is still paying the EMIs for a fifth loan. It all started with a personal loan of about ₹4 lakh that he took from a private bank to meet…

Nobel-Prize winner Muhammad Yunus pioneered the concept of microfinance, making it a keyword in the credit and lending space. In its simplest form, microfinance entails providing credit to small business owners and entrepreneurs. Access to capital can be detrimental to such business owners who…

Kalpana Pandey, CEO & Managing Director, CRIF High Mark in conversation with Bama Balakrishnan, CRO, IFMR Capital shared her views on the evolution of CIC's companies and how CRIF India would act as a game changer.

A default will get reflected in your credit report and score, and you will not be able to get even a credit card, let alone high-value credit like a home loan. If you are a student planning to fund your higher education through an education loan, be warned. Many who have taken this path before you…