Digital NBFC Co-Lending Trends in 2026

Q1. Could you start by giving us a brief overview of your professional background, with a particular focus on your industry expertise?

16+ years of experience across the financial services domain. Managed Digital Lending Business, Colending Partnerships, Delivery Management, Co-lender Portfolio, Financial Operations in NBFC. Previously associated with NBFC/Fintechs such as Fibe (earlySalary), Cars24 Financial Services, and Ziploan.in & Hero Fincorp.

Built Digital lending Business and Co lending Partnerships for the last 6 Years. Expert in the setting of Lending Operations and Customer Service for 10 Years.

Managed and provided expertise in various financial products across the spectrum, ranging from Personal Loan, Business Loans, Two-wheeler loan, User Car Finance, Dealer Financing & Merchant Checkout.

Q2. Beyond traditional banks, how are digital NBFCs in 2026 leveraging Co-lending with other NBFCs to manage capital adequacy without diluting equity?

Co-lending with banks and bigger NBFCs has opened a good supply-side opportunity for Digital lenders. Digital Lenders, being more tech savvy and with a lighter Operating model, have more penetration in terms of demand (Lead). Banks, being highly regulated by the RBI are difficult and more time-consuming to capture as a Co-lending Partner. They have a very high threshold of compliance and infosec, but…