Arohan Financial Services Unlisted Shares
Arohan Financial Services Ltd – Introduces Risk-Based Pricing Framework Using Credit Scoring Model
India Technology News
2 min read
Expert Analysis:
Arohan Financial Services has introduced a risk-based pricing framework powered by its proprietary credit scoring model, enabling differentiated loan pricing based on borrower risk profiles.
The framework leverages data-driven credit assessment models to evaluate customer risk, allowing the company to assign customised interest rates instead of uniform pricing, improving underwriting precision and portfolio quality.
The initiative aligns with evolving RBI guidelines on pricing deregulation in microfinance, encouraging lenders to adopt transparent, risk-aligned pricing structures while maintaining fairness and competitiveness.
By integrating technology platforms and analytics (such as its credit scoring and underwriting systems), Arohan aims to enhance risk management, reduce credit losses, and optimize returns across its lending portfolio.
The model is particularly relevant in microfinance, where borrower segments are diverse and risk-sensitive, enabling the company to expand credit access while balancing profitability and risk exposure.
Arohan’s shift to a credit scoring-driven risk-based pricing model marks a structural upgrade in lending strategy, enabling better risk differentiation, improved asset quality, and scalable growth, while aligning with regulatory push toward transparent and data-driven pricing.
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