The Reserve Bank of India (RBI) is advancing its Unified Lending Interface (ULI), now in the pilot phase and set for nationwide launch. Announced by RBI Governor Shaktikanta Das, ULI aims to streamline the credit process by reducing appraisal times and simplifying technical integrations, particularly for smaller borrowers in rural regions. This new platform digitizes and consolidates financial and non-financial data from disparate sources, facilitating faster and more efficient access to credit. By addressing the fragmented nature of current systems, ULI is expected to meet the substantial unmet credit demand, especially benefiting agricultural and MSME sectors. The initiative underscores RBI`s commitment to enhancing financial inclusion and supporting economic growth by improving access to necessary funds for underserved communities.