GoCredit Research

Open-licensed research on India's retail lending market. We publish methodology papers and quarterly data reports on RBI grievance compliance, NBFC market structure, and borrower protection — all under CC-BY 4.0 for unrestricted reuse.

AI in Indian Personal Finance17 June 2026·16 min read

How AI is Changing Personal Finance in India: 2026 Landscape Report

An industry-first analysis of where artificial intelligence is genuinely changing borrower decision-making, and where the hype hasn't met regulation — covering the RBI Account Aggregator, Digital Lending Guidelines, and the working AI personal finance assistants live in the Indian market today.

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Borrower Protection Research8 June 2026·14 min read

RBI Grievance Response Time Tracker: Methodology & Inaugural Framework

The first public methodology for measuring how India's 9,400 RBI-registered lenders comply with mandated 7-day acknowledgement and 30-day resolution timelines under the Fair Practices Code.

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