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// editorial
The borrowers' writers
SahiSujhav covers borrower-side finance for India. Every guide is bylined by a named editor and dated. We do not take lender money, do not run referral links, and disclose our methodology on the methodology page.
VSAM
Vikram Sharma
Borrower-Rights Writer
Eight years covering Indian fintech, RBI digital-lending rules, and recovery-agent harassment.
8+ yrs experience
Anjali Mehta
Credit & CIBIL Editor
Former bank credit analyst turned consumer-finance writer. Specializes in credit scoring, EMI mechanics, and CIBIL disputes.
6+ yrs experience