MUMBAI : Despite the health crisis being far more acute during this second covid wave, borrowers have been much better able to meet obligations than last year, said Nira, a Bengaluru-based fintech lender.Launched in mid-2018 by ex-Goldman Sachs colleagues Rohit Sen and Nupur Gupta, Nira focuses on providing small-ticket loans to blue- and grey-collar Indians through its mobile app and website.In normal times, about 97% of payment dues get repaid within 30 days of the repayment date, it said, adding that collection rates still reached 95% during this second wave, displaying a very strong degree of resilience considering the scale of the crisis.