Insights & Resources

The RBI has released the Draft Co-Lending Arrangements Directions, 2025, proposing a unified, market-enabling framework for regulated entities. The draft aims to streamline risk-sharing, pricing, and borrower protections across digital and traditional lending partnerships while replacing fragmented earlier guidelines. This explainer highlights key provisions, compliance expectations, and systemic implications.

The RBI has issued draft directions to regulate Non-Fund Based Credit Facilities such as guarantees, letters of credit, and partial credit enhancements. This write-up provides a detailed overview of the framework, its applicability to banks and NBFCs, the proposed exposure caps, and disclosure requirements, while highlighting the shift towards electronic guarantees and risk-based credit appraisals.

The RBI has released its draft 2025 Directions on lending against gold collateral, proposing a unified, principle-based framework for all regulated entities. These Directions aim to streamline prudential norms, standardise conduct practices, and strengthen consumer protection, while ensuring fair treatment and systemic stability in gold-backed credit markets.

The RBI’s April 2025 Statement outlines key draft measures for co-lending expansion, stressed asset securitisation, harmonised gold loan norms, and UPI limit rationalisation. It further proposes a ‘theme-neutral’ fintech sandbox to foster continuous innovation. These reforms reflect the RBI’s proactive approach to market-based regulation, financial inclusion, and systemic resilience through stakeholder-driven policy development.

RBI launches .bank.in for banks and plans .fin.in for NBFCs, enhancing cybersecurity and safeguarding users from financial fraud.

RBI introduces a revised framework for penalties & compounding under the PSS Act, ensuring fair enforcement & compliance clarity.

The RBI’s 2025 Master Direction simplifies non-resident investment in India’s debt markets, enhancing regulatory clarity and access.

RBI guidelines streamline credit reporting, enhancing transparency, data accuracy, and grievance redressal for borrowers and institutions.

RBI proposes updated norms for banks, aiming to safeguard core operations from risk-heavy activities while enhancing investment flexibility.

Revised 2024 FEMA guidelines simplify the process for compounding contraventions, streamlining compliance and reducing legal risks.

Explore RBI's enhanced SRO governance rules to boost market integrity and innovation.

RBI revises P2P lending norms to boost transparency and curb malpractices, effective immediately.

Explore RBI's draft for robust credit model risk management in financial institutions.

RBI's 2024 rules enhance financial system integrity by tightening wilful defaulter identification and treatment.

RBI's new framework supports FinTech innovation while ensuring customer safety, fostering a balance between creativity and risk management.

RBI's new guidelines aim to fortify project financing, enhancing risk management for a stable and transparent banking sector.

RBI releases 2024 draft for Electronic Trading Platforms, enhancing transparency and efficiency. Comments invited by 31.05.2024.

RBI's new draft guidelines aim to boost transparency in digital lending, ensuring fair practices and informed borrower decisions.

RBI issues Draft Master Directions on Cyber Resilience and Digital Payment Security Controls for Payment System Operators Introduction...