GenZCFO

05/10/2026

Digital lending in India is changing how personal credit is distributed.

According to FACE and CRIF High Mark, digital NBFCs sanctioned 3.4 crore personal loans worth ₹64,656 crore in Q1 FY27.

Three numbers stand out:

• ₹18,802 average ticket size for digital NBFCs, compared with ₹4.52 lakh for commercial banks.
• 40% of sanction value came from Tier III cities and beyond.
• Borrowers below 35 accounted for 58% of sanction value.

The reported 90+ DPD ratio stood at 1.4%, highlighting the need to track portfolio quality as digital lending scales.

For existing NBFCs, this is a good time to review:
• Small-ticket lending strategy
• Underwriting and borrower segments
• Collection practices
• Portfolio quality
• Digital lending partners

For new entrants, the starting point is the business structure. Should you operate through an NBFC-led model, work with an existing regulated lender, or provide services as an LSP?

The decision affects your capital requirements, regulatory responsibilities, technology setup, and compliance framework.

Planning to enter digital lending or expand your existing NBFC into this segment? DM us.

04/10/2026

Planning to register an AIF?

AIF registration involves more than submitting Form A to SEBI. Your fund structure, category, sponsor, investment manager, key personnel, disclosures, and PPM all need to align.

Key points to keep in mind:
➟ Choose the AIF category based on your investment strategy
➟ Finalise the legal structure and fund roles early
➟ Keep ownership and regulatory disclosures clear
➟ Ensure Form A and PPM are consistent
➟ Keep financial and eligibility documents ready
➟ Plan separately for application, SEBI review, and scheme launch

SEBI endeavours to complete AIF registration applications within 30 working days, but this is not a guaranteed approval timeline.

Read the full article:
https://genzcfo.com/growthx/aif-registration-process-and-sebi-approval-timeline

Need help with AIF registration or structuring? DM us.

Learn the AIF registration process, required documents, SEBI fees, approval timeline, and steps to launch an Alternative Investment Fund.

03/10/2026

Planning to register an AIF in India?

Choosing the right legal structure is an important decision. It can impact governance, taxation, compliance, investor onboarding, and the fund’s long-term operations.

Before choosing a structure, consider:
➟ AIF category and investment strategy
➟ Target investor profile
➟ Governance and control requirements
➟ Tax implications
➟ Compliance and administrative requirements
➟ Scalability of the fund structure

The right structure should align with your fund’s objectives, not just the registration process.

Read the full article: https://genzcfo.com/growthx/how-to-choose-the-right-legal-structure-for-an-aif

Need help with AIF registration or structuring? DM us.

Choose the right legal structure for an AIF in India. Compare trusts, LLPs and companies by governance, tax treatment and investor needs.

02/10/2026

Happy Gandhi Jayanti & Lal Bahadur Shastri Jayanti! 🇮🇳

October 2 reminds us of two leaders who shaped India in very different ways, and whose values continue to guide the nation.

Truth. Integrity. Discipline. Inclusion. Responsible action.

As India’s economy and digital finance ecosystem grow, these values matter in how we build businesses and institutions.

• Trust matters in finance.
• Integrity matters in governance and compliance.
• Responsibility matters in business.
• Inclusion matters in growth.

Wishing everyone a very happy Gandhi Jayanti and Lal Bahadur Shastri Jayanti!

01/10/2026

Happy Birthday, Neha! 🎂🎉

Wishing you a day full of happiness, laughter, and beautiful moments. May this new year of your life bring you lots of success, growth, and reasons to smile. 🥳💫

Happy Birthday from the whole team! 🙌

01/10/2026

𝐅𝐎𝐈𝐑 𝐯𝐬 𝐈𝐈𝐑: Two Ratios, Two Different Signals, One Better Credit Decision.

For NBFCs, assessing borrower affordability is not about looking at just one number.

IIR and FOIR measure different aspects of repayment capacity, and using both can give credit teams a broader view of borrower risk.

𝐈𝐈𝐑 (𝐈𝐧𝐬𝐭𝐚𝐥𝐥𝐦𝐞𝐧𝐭-𝐭𝐨-𝐈𝐧𝐜𝐨𝐦𝐞 𝐑𝐚𝐭𝐢𝐨)

Core focus: The proposed new loan EMI compared with the borrower’s income.

What it helps assess: New EMI affordability, initial credit screening, loan eligibility, and automated underwriting rules.

In simple terms: Can the borrower manage this new EMI?

𝐅𝐎𝐈𝐑 (𝐅𝐢𝐱𝐞𝐝 𝐎𝐛𝐥𝐢𝐠𝐚𝐭𝐢𝐨𝐧-𝐭𝐨-𝐈𝐧𝐜𝐨𝐦𝐞 𝐑𝐚𝐭𝐢𝐨)

Core focus: Existing fixed obligations plus the proposed EMI compared with eligible income.

What it helps assess: Overall debt burden, existing repayment commitments, over-leveraging risk, and detailed credit underwriting.

In simple terms: Can the borrower manage the total fixed obligations?

For NBFCs, these ratios can also support:
➟ Risk-based pricing based on borrower risk
➟ Surrogate FOIR assessment for self-employed borrowers
➟ Credit policy and underwriting decisions
➟ Portfolio-level risk management

The key is not to look at IIR or FOIR in isolation. They work alongside income assessment, bureau data, cash flows, and other credit parameters.

Need help reviewing your NBFC’s credit policy or underwriting framework? DM us.

01/10/2026

Planning to register an AIF in India? Know the minimum corpus and investment requirements before you start fundraising.

➟ Minimum scheme corpus: ₹20 crore
➟ Minimum investment per investor: ₹1 crore
➟ Eligible employees or directors: ₹25 lakh minimum
➟ Category I and II continuing interest: 2.5% of corpus or ₹5 crore, whichever is lower
➟ Category III continuing interest: 5% of corpus or ₹10 crore, whichever is lower

There are separate provisions for accredited investors, Angel Funds, Social Impact Funds, and Large Value Funds for Accredited Investors.

Before launching your AIF, review the fund category, investor profile, corpus, first close, and contribution structure together.

Read the full article: https://genzcfo.com/growthx/minimum-corpus-and-investment-requirements-for-aifs

Need help with AIF registration and structuring? DM us.

Learn AIF minimum corpus and investment rules in India, including investor thresholds, sponsor interest, angel funds and LVF requirements

30/09/2026

Structural Shift in India’s Gold Loan Market!

India’s gold loan market reached ₹18.6 lakh crore in March 2026, growing around 50% YoY.

And the competition is heating up.

Muthoot Finance, IIFL Finance, and Manappuram Finance remain major players, while Tata Capital, Aditya Birla Capital, and other lenders are expanding into gold loans.

What’s driving the growth?
• Rising gold prices
• Growing demand for secured credit
• Large untapped household gold reserves
• Expansion of branch and digital lending
• Increasing participation from banks and NBFCs

For new entrants, the opportunity is significant, but RBI compliance, LTV norms, risk management, and operational controls remain critical.

Planning to enter gold lending?
DM us for NBFC registration, business structuring, and RBI compliance support.

30/09/2026

Happy Birthday, Tanya! 🎂🎉

Wishing you a day full of happiness, laughter, and beautiful moments. May this new year of your life bring you lots of success, growth, and reasons to smile. 🥳💫

Happy Birthday from the whole team! 🙌

29/09/2026

India-UAE trade is targeting $200 billion by 2032.

This could create new opportunities for businesses operating across both markets.

India and the UAE are strengthening cooperation around:
• INR-AED local currency trade and settlement
• UPI and UAE payment system integration
• Cross-border digital payments
• Investment and business expansion
• Fintech and financial-sector cooperation

Who could benefit?
➟ Indian SMEs dealing with UAE imports or exports can explore more efficient cross-border payment options.

➟ Businesses planning to expand into the UAE can tap into growing trade and investment activity.

➟ Fintechs can explore opportunities around payment connectivity and cross-border financial solutions.

➟ NBFCs can look at partnerships, financial integrations, and opportunities linked to the growing India-UAE business corridor.

The opportunity is not just higher trade. It is a more connected business and financial ecosystem between India and the UAE.

The future of India-UAE commerce is:
Local Currencies + Connected Payments + Sovereign Backing.

Planning to set up or expand your business in the UAE?

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Business Setup | Licensing | Banking Support | Tax | Compliance

DM us to book a free consultation!