Finance Our Way

Micro, small, and medium enterprises (MSMEs) are vital to India’s economic framework. Despite their significant contributions, these businesses often face barriers when trying to secure financing. Traditional loan processes can be cumbersome, involving lengthy approval times, excessive paperwork, and stringent eligibility requirements. With the rise of digital lending platforms, accessing capital has become more accessible and efficient. Poonawalla Fincorp has introduced Business Loan 24/7, an innovative digital lending platform tailored to the needs of MSMEs. Alongside Poonawalla Fincorp, other major players like HDFC Bank, Kotak Mahindra Bank, and DCB Bank are also offering digital-first solutions to transform MSME financing. Also Read: Digital Assessment Models Reshaping Lending in India: The Case of Poonawalla Fincorp and Other Leading NBFCs Business Loan 24/7: A Convenient Digital Lending Experience Poonawalla Fincorp Limited has launched Business Loan 24/7, a platform that makes...

  Environmental, social and governance (ESG) investing has moved from niche to mainstream in recent years. Beyond financial performance, ESG strategies evaluate a company’s environmental footprint, treatment of employees and boardroom practices. Investors use these criteria to align portfolios with personal values or to mitigate unseen risks. However, assessing true impact requires nuanced analysis rather than simple label-checking. Understanding the ESG Framework At its core, the ESG framework examines how businesses manage their environmental responsibilities, social relationships and governance structures. Environmental factors include carbon emissions, water usage and waste management. Social considerations span labour practices, diversity initiatives and community engagement. Governance focuses on board independence, executive compensation and shareholder rights. Rather than viewing these elements through a binary lens, sophisticated approaches weigh each factor according to i...

  Investing in property has often felt out of reach for individuals without deep pockets or specialized expertise. Traditional real estate requires substantial capital, lengthy commitments, and ongoing management responsibilities. Fractional investing changes this narrative by allowing everyday investors to acquire small ownership stakes in commercial or residential properties. Through online platforms, participants pool resources to share in rental income, capital appreciation, and risk—without the burden of full property management. Understanding Fractional O wnership Fractional ownership divides a real estate asset into multiple shares, each sold to a separate investor. Rather than placing hundreds of thousands into a single property, you might invest as little as five hundred or one thousand dollars for a fractional stake. The platform handles the legal structuring, purchase process, and administrative duties. As a shareholder, you receive periodic distributions derived from re...

  Artificial intelligence is transforming how lenders handle debt collections, moving the industry from rigid, manual processes to flexible, data-informed strategies. By automating repetitive tasks and uncovering hidden patterns in borrower behavior, AI tools help institutions spot risks sooner, tailor outreach, and improve recovery outcomes. In this article, we examine key applications of AI in debt management and highlight how leading players are adopting these innovations. Enhancing Risk Assessment with Data Signals Traditional credit evaluation often depends on static credit scores and payment histories. AI systems expand this view by analyzing diverse data sources—transaction records, utility payments, and even online behavior. Machine learning algorithms detect subtle changes in spending or income trends, flagging accounts that may become delinquent. Early identification lets lenders initiate supportive measures—such as gentle reminders or financial counselling—before loans t...

Politics isn’t just about who wins elections or what policies are passed. It’s also about how people think and feel. Psychology plays a big role in shaping political beliefs. We may believe we’re being logical, but many of our political choices come from emotions, habits, and group loyalty. Understanding these patterns can help us think more clearly and avoid being manipulated. Group Thinking and Party Loyalty People like to belong. In politics, this means many choose a party and stay loyal to it. Once someone joins a group, they often stick with its ideas, even if they don’t agree with everything. This is called confirmation bias. We tend to believe things that match what we already think and ignore anything that doesn’t. It’s why people argue online, even when facts are clear. In movies like The Ides of March, you can see how loyalty and pressure shape decisions behind the scenes. The Role of Fear in Voting Fear affects how we vote. When people feel unsafe or anxious, they want stron...