Scale-Based Regulation framework for NBFCs
Classifies NBFCs into Base, Middle, Upper and Top layers with progressively stricter capital, governance and disclosure norms.
Resources
RBI guidelines &circulars
Key master directions and circulars that shape NBFC operations — summarised by our regulatory team.
- RBI-Aligned Process
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Non-Banking Financial Company – Investment and Credit Company directions
Consolidated rules on registration, NOF, prudential norms, exposure limits and reporting for NBFC-ICCs.
Digital Lending Guidelines
Loans must flow directly between borrower and regulated entity; mandates Key Fact Statements, cooling-off periods and DLA disclosures.
Co-Lending arrangements
Framework for banks and NBFCs to jointly lend, including minimum retention, escrow and customer interface rules.
Regulation of Payment Aggregators
Net worth, escrow, merchant KYC and security baseline requirements for online and offline payment aggregators.
Know Your Customer (KYC) Direction
Customer due diligence, periodic updation, V-CIP and reporting obligations under PMLA.
Default Loss Guarantee (FLDG) in digital lending
Caps DLG cover at 5% of the loan portfolio and sets eligibility for guarantee providers.
Information Technology Governance, Risk and Controls
Board-level IT governance, cyber-security, business continuity and outsourcing controls.
Fair Practices Code – penal charges
Penal interest replaced by reasonable penal charges, without capitalisation, disclosed upfront.
No results.
Summaries are for information only. Always refer to the official text on the RBI website.
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