Chal­lenges

Business Today - - FINTECH SPECIAL | ONBOOK LENDING -

The model is yet to scale up

Fund­ing con­straints as sources other than eq­uity are not eas­ily avail­able

Prod­uct con­cen­tra­tion on re­tail with small ticket size loans of short du­ra­tion

Com­pe­ti­tion to come from banks, es­pe­cially small fi­nance banks and NBFCs

Fu­ture fund­ing to de­pend upon the com­ple­tion of a few eco­nomic cy­cles to gauge the NPA si­t­u­a­tion

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