25 YEARS IN INDIA: LEADING WITH IMPACT
Regulations more closely aligned with banks and would
impact metrics of NBFCs
Recent Trends
Net Owned Funds
Regulatory minimum Net
Owned Fund (NOF) for NBFC-
ICC, NBFC-MFI and NBFC-
Factors shall be increased to
*10 crore by
March 31, 2027
NPA Classification
Extant NPA classification norm
stands changed to
the overdue period of more
than 90 days for all categories
of NBFCs by March 31, 2026
Experience of the Board
At least one of the directors
shall have relevant experience
of having worked in a
Bank/NBFC
Capital Guidelines (For
Middle and Upper Layer)
Internal assessment by NBFCs
for need of capital; shall be on
similar lines as ICAAP
prescribed for Commercial
Banks under pillar 2
Note: The guidelines to be effective from October 2022
Source: Reserve Bank of India
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