Plug & Play Infrastructure
Co-Lending Setup
Design and launch of RBI-compliant co-lending partnerships between banks and NBFCs.
- RBI-Aligned Process
- Dedicated Experts
- 100% Confidential
- Pan-India Support
Overview
What this service covers
Under the RBI co-lending framework, NBFCs originate loans and share them with partner banks or NBFCs, typically retaining at least 10–20% on their books. The model combines the NBFC's reach with the partner's lower cost of funds.
We structure the arrangement, draft the master agreement, align credit policies and set up the technology and escrow integration.
Process
How we deliver it
- Step 01
Partner identification
Shortlist banks matching your asset class.
- Step 02
Commercial structuring
Ratio, pricing, FLDG and servicing terms.
- Step 03
Master agreement
Drafting and negotiation.
- Step 04
Policy alignment
Joint credit, KYC and collection policies.
- Step 05
Tech integration
API, escrow and reconciliation.
- Step 06
Pilot & scale
Monitored pilot book then full rollout.
Checklist
Documents you'll need
- Certificate of Registration
- Last 3 years' financials
- Portfolio performance data
- Credit and collection policies
- Board resolution
- LMS documentation
FAQs
Common questions
How long does co-lending setup take?+
Timelines depend on your readiness, but most engagements complete within the range shown above. We share a week-by-week plan at kick-off.
Do you work with clients outside the metros?+
Yes. We serve clients across India and handle most work remotely, with on-ground support in major financial hubs.
How are your fees structured?+
We quote a fixed fee per milestone after an initial assessment, so there are no surprises.
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