Author

Puneet Sanwal

Founder of KarobarUdhar and a lending practitioner who explains how Indian MSME credit decisions are actually made. He publishes both sites under Nitanya Digital Ventures, his own registered practice. Puneet has spent roughly a decade in retail lending and fintech product roles across ICICI Bank, Paytm and DMI Finance, most recently as AVP of Product at DMI — building digital loan journeys, embedded lending partnerships and ML-based underwriting systems. He writes independent, evidence-led guides that help entrepreneurs prepare stronger files, compare total cost and choose the right facility for their operating cycle.