Think beyond credit cards and EMIs. Your rent payments, electricity bills, and UPI history now tell your financial story, one that goes deeper than a three-digit score.
Not everyone has a long credit history. Alternative data helps first-time borrowers and freelancers get noticed for the right reasons.
When you apply, lenders analyse your digital footprints, from bill payments to app transactions, to understand how reliably you manage money.
Pay bills on time, keep your UPI record clean, and stay consistent. These small habits can quietly improve your loan eligibility.
As more lenders adopt this system, approvals will get faster and fairer. Your everyday digital behaviour could soon be your biggest financial asset.