Author

Puneet Sanwal

Founder of KharchaUdhar and a lending practitioner who explains how Indian 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 borrowers compare total cost, understand eligibility and recognise when debt is not the right answer.