Abhash Anand

Co-Founder & CTO @ OneFin | AI LOS LMS

[Abhash Anand @abhashanand]

@REDBOXINDIA While several gold loan NBFCs(IIFL e.g.) have struggled with RBI’s regulations recently, Muthoot Finance has successfully navigated compliance challenges and achieved a historic ₹1 lakh crore AUM milestone. A testament to their strong governance and excellence. 🚀📈 #NBFC #RBI

[Abhash Anand @abhashanand]

How are you refining lending customer journeys? Let’s discuss! 👇 #Lending #CustomerExperience #Fintech #NBFC #Growth

[Abhash Anand @abhashanand]

Scaling Lending Customer Journeys: A Cohort-Based Approach 🚀

For lending companies, building custom user journeys for different cohorts isn’t optional, it’s a must.

A good thumb rule? Differentiate journey for every ₹10-20 Cr of monthly disbursements. 🏦

[Abhash Anand @abhashanand]

We track repayments, drop-offs, & engagement to improve conversions & reduce NPAs.

When disbursing thousands of loans worth crores, every friction point = lost revenue.

🔑 Keep learning
🔑 Keep optimizing
🔑 Let data drive every decision

[Abhash Anand @abhashanand]

@priteshlakhani Makes sense...bank employees, being so close to finance, actually value these perks. Many in tech & other industries overlook them or don’t fully appreciate.

Case in point: The ongoing market crash. The same "experts" who were preaching SIPs to everyone are now panic-selling. 😅

[Abhash Anand @abhashanand]

@sandipsabharwal A Repo Rate cut and improved liquidity will be beneficial for everyone! Lower interest rates mean lower EMIs on loans giving people more disposable income, helping all businesses. NBFCs will benefit the most as borrowing costs drop, helping them lend more easily to customers.

[Abhash Anand @abhashanand]

6️⃣ What’s the solution? 🧐

✅ Apply uniform regulations to state & private NBFCs
✅ Strengthen liquidity stress tests & risk management
✅ Reduce over-reliance on banks & mutual funds for funding

#NBFC #FinancialStability #Banking #LiquidityRisks #IMFReport

[Abhash Anand @abhashanand]

4️⃣ Liquidity is a weak spot.

NBFCs hold only 5.3% of assets in liquid form—meaning they can survive short-term stress but could face a severe liquidity crunch after 3 months. 💸⏳

How would they cope in a crisis? 🤔

[Abhash Anand @abhashanand]

5️⃣ Mutual funds could amplify stress. 📉

We’ve seen this before: in 2018 (IL&FS crisis) & COVID-19, mutual funds stopped rolling over NBFC debt, triggering a liquidity crisis.

Could it happen again? 🚨

[Abhash Anand @abhashanand]

3️⃣ NBFCs are now more dependent on banks 🏦

Instead of raising funds from bond markets, NBFCs are borrowing from banks—especially Public Sector Banks (PSBs).

This increases indirect exposure of banks to risky NBFC lending. 🚨

[Abhash Anand @abhashanand]

🚨 India’s NBFCs are growing fast - what are the risks faced by them? 🚨

A new IMF report highlights key trends and risks in the sector. Here’s a deep dive into what’s changing & why it matters. 🧵👇

#NBFC #Banking #IndiaEconomy #IMFReport

[Abhash Anand @abhashanand]

2️⃣ Concentration risks are rising.

Infrastructure Finance Companies (IFCs) are heavily exposed to the power sector, which has a history of defaults. ⚡

Some IFCs have loan exposures >60% of their Tier 1 capital to a single borrower!

[Abhash Anand @abhashanand]

1️⃣ NBFCs now provide nearly HALF of private-sector credit in India, making them a crucial part of the financial system. 📈

But with growth comes risk. Are they resilient enough? Let’s find out. 👇

[Abhash Anand @abhashanand]

🔹 Dedicated IP Requirement

From Dec 16, 2024, shared IPs will be blocked for CKYC API & SFTP access.

📌 Ensure your institution is using a unique, dedicated IP to avoid disruptions.

#CERSAI #NBFC #Fintech

[Abhash Anand @abhashanand]

🚨 Important CKYC Update from CERSAI! 🚨

Financial institutions, NBFCs, and fintechs—CERSAI has rolled out new CKYC compliance rules that impact API access and security.

Here’s what you need to know! 🧵👇

#CKYC #Fintech #RegulatoryCompliance

[Abhash Anand @abhashanand]

@priteshlakhani This is the OG 0% EMI or subvention loan!

But credit always comes with risk. Manufacturing companies need to price this risk smartly into their working capital estimates.

[Abhash Anand @abhashanand]

TL;DR:
✅ Max Credit Cost framework prevents unsustainable lending
✅ Statistical models help predict credit cost for better pricing
✅ Adjusting for credit cycles = smarter risk management
#Lending #RiskManagement #Fintech #NBFC #Banking #CreditCycle

[Abhash Anand @abhashanand]

One of the most critical factors in evaluating loan viability is understanding the maximum credit cost a product can afford.

Here’s a simple formula: 👇

#Lending #NBFC #Banking #Fintech

[Abhash Anand @abhashanand]

This ensures a dynamic, risk-aware lending strategy while preventing the trap of overpricing risk beyond a feasible threshold.

Sustainable lending is all about balance and timing. ⚖️

#Lending #NBFC #Banking #Fintech