"This book masterfully connects India’s deep-rooted lending culture with its booming digital finance space. The transition from sahukaars to AI-based platforms is explained in a way that even non-finance readers can understand. A must-read for students, bankers, and policymakers alike."

"As a professor of finance, I’ve rarely seen a book that balances storytelling, case studies, and technical insight so well. It not only covers regulations and fintech trends but also brings in the human side of lending practices through history. Brilliant work by CA Manish and CA Manoj."

"This book helped me understand credit systems, fintech apps, and how digital lending can be a game-changer for startups. It’s written in simple English and makes learning about finance actually interesting!"

"The authors don’t just explain lending—they make you think. From farmer exploitation to digital credit scoring, every topic is discussed with empathy and clarity. The inclusion of real reforms and RBI guidelines adds major credibility."

"This is not just a book, it's a roadmap. For entrepreneurs, digital lenders, or anyone trying to understand India’s financial evolution, it’s gold. Loved the section on co-lending models and fintech startups."

"The chapters on RBI roles, NBFCs, and digital frameworks are clear and up to date. It helped me a lot in my preparation for banking interviews and even gave examples I could quote in the GD round!"