India, Oct. 29 -- Digital lenders have changed how many Indians borrow. A loan that once meant a branch visit and a stack of papers now takes minutes on a phone, with a computer model deciding who qualifies. The business works well at scale, but it also lives or dies on credit quality. Lenders that can keep defaults low, find cheap funding and spread their risk across products are the ones that last.

The Nifty 50 was trading at 22,834.30, up 0.60%. Meanwhile, Sensex fell 0.68% to 73,745.30 on Thursday. Meanwhile, Shares of Onemi Technology Solutions Ltd. were trading at Rs. 320.15, down 0.61 percent from previous close of Rs. 322.10. The stock opened at Rs. 331.05 and reached an intraday high of Rs. 337.35 and low of Rs. 315.80. The com...