What differentiates CIFL’s ‘Loan Against Property’ model from others in the same segment, especially given the competition in secured lending?
At Capital India, our Loan Against Property model is rooted in our philosophy of Dil Se Ghar Tak, building genuine relationships and understanding our customers deeply. We look beyond the collateral to truly understand the customers’ business and cash flows.
By combining on-ground relationships with data-driven insights, we ensure our credit solutions remain practical, flexible and responsible, built around the customer’s reality.
Many MSMEs face difficulty accessing formal credit due to a lack of documentation. How is CIFL innovating its underwriting to overcome this barrier?
With the advent of data and technology, lenders today have multiple reference points to assess a customer’s business and cash flows. At Capital India, we complement these insights with strong on-ground assessment, our teams visit businesses and, check stock levels, observe footfall, and even speak discreetly with suppliers or customers to gauge sales momentum. This practical understanding, combined with data analytics, gives us a true picture of the customer’s capacity and intent. It’s a blend of technology and human insight that keeps our underwriting both fair and real.
RapiPay has rapidly scaled across India with neo-banking services. How does CIFL leverage this synergy between digital payments and credit?
RapiPay’s network gives us deep insight into customer cash flows and behaviour. At Capital India, we use this synergy to identify and serve MSMEs with timely, tailored credit, where the reach of digital payments meets the depth of prudent lending and sustainable growth.
What’s your view on the RBI’s growing emphasis on transparency, customer protection, and digital lending guidelines?
The RBI’s measures on transparency and customer protection are a timely and welcome step towards strengthening trust between customers and lenders. These reforms bring greater discipline to digital lending, promote uniformity across lenders, and serve as a strong catalyst for responsible, sustainable growth.
How does CIFL aim to become a ‘future-ready’ NBFC that blends prudence with innovation?
At Capital India, we see technology as an enabler, not a substitute for judgment. Being future-ready for us means blending digital agility with strong credit discipline and human understanding. We’re building smarter systems, empowered teams, and a culture that embraces innovation responsibly. This balance of technology, governance, and purpose is what will drive Capital India’s sustainable growth.
What role do strategic alliances play in enabling CIFL’s future expansion into new verticals or geographies?
We continue to invest in scaling our distribution and expanding our reach. While alliances are valuable enablers that help us access markets where our presence is limited, our primary focus remains on organic growth, built on strong customer relationships and deep market understanding.
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