Bengaluru, December 15, 2025 : Finnable has been honored with the Digital Lending Innovation
Excellence Award at the ETBFSI Exceller Awards 2025, reinforcing its position
among India’s most forward-looking and disciplined lenders. The award
acknowledges our ability to combine advanced technology with strong on-ground
operations to responsibly expand credit access for India’s young salaried
workforce.
Finnable has emerged as a trusted lender for
mid-income professionals earning ₹15,000–₹50,000, a segment that
continues to remain underserved by traditional financial institutions despite
stable incomes and strong repayment behaviour. Through our differentiated
underwriting approach and customer-first design, we are helping this segment
access credit with confidence.
The Tech Behind the Win: Fintelligence
At the core of Finnable’s lending engine is Fintelligence,
a proprietary credit intelligence platform that unifies risk models,
behavioural insights, and operational workflows into a single, integrated
environment. Instead of depending solely on bureau data, our system evaluates
contextual signals that reflect an individual’s financial stability and intent
to repay.
The platform powers faster decisions, reduces
uncertainty in first-time borrower segments, and strengthens Finnable’s ability
to scale responsibly while maintaining asset quality that ranks among the best
in the industry.
Finnable’s Strong Fundamentals
Finnable’s operations are intentionally designed to
blend digital convenience with human reliability. This includes:
- Tech-enabled
onboarding with clear, transparent journeys - On-ground
verification that builds credibility and reduces fraud - On-payroll
collections teams that ensure accountability and long-term borrower
relationships
This hybrid structure has become one of Finnable’s
biggest strengths, allowing us to grow rapidly while keeping GNPA
at 1.1%—a benchmark for sustainable digital lending “India’s salaried
workforce deserves credit experiences that feel fair, intuitive, and reliable,”
said Amit Arora, Co-Founder. “This recognition reinforces our
belief that responsible technology and disciplined lending can go hand in hand.
We’re proud to build a platform that supports millions of working professionals
as they progress in their financial lives.”
Commenting on the award, Finnable’s CEO, Nitin
Gupta added, “Innovation in lending must always align with long-term
asset quality. Our approach has been to design systems that understand the
customer deeply while protecting the integrity of the loan book. This award is
a meaningful acknowledgement of that philosophy.”
About the ETBFSI Exceller Awards
The ETBFSI Exceller Awards celebrate breakthroughs
that are shaping the future of banking, financial services, and insurance in India.
Finnable’s win in the Digital Lending Innovation Excellence category
highlights its role as a leader in building transparent, technology-led credit
solutions for a new generation of consumers.
The Road Ahead for Finnable
With a mission to empower India’s rising
professionals, Finnable aims to
strengthen its technology stack, expand its reach across more cities, and
develop products that support customers across different stages of their
financial journey. The company remains focused on building a lending model that
is sustainable, data-led, and deeply aligned with customer wellbeing.
