The Indian government and regulatory authorities have strongly supported the advancement of digital lending. Their efforts in shaping regulations and establishing a robust infrastructure have successfully maintained a secure balance between consumers and lenders. Key initiatives such as implementing UPI and linking with Aadhar showcase the Reserve Bank of India’s commitment to safeguarding the interests of all stakeholders. Fintech lending platforms have targeted the credit gap in India, particularly for cash-starved MSMEs. By leveraging technology and streamlining processes, these platforms aim to provide faster and more accessible credit solutions to underserved borrowers. Also, borrower behaviors have shifted significantly, influenced by the digital age and the seamless experiences offered by fintech platforms. Borrowers now prioritize a hassle-free lending experience, expecting swift approvals and disbursement processes.