Investor Presentaiton
Key regulatory measures (2/2)
Jun 22
Oct 22
May 23
Jun 23
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Jun 23
Source: RBI
Recent Trends
Provisioning for Standard assets
by NBFC-UL
NBFCs in the upper regulatory layer to maintain provisions for standard advances based
on category of assets. For all individual housing loans and loans to SMES-NBFCs will have
to make provision of 0.25% for standard assets. For all other loans, the rate of provision
is 0.4% of the outstanding amount
The minimum NOF increased to *300 crore on an ongoing basis from the existing
Minimum Net Owned Fund Requirement requirement of *100 crore
RBI goals for supervision of NBFCs in
2023-24
In 2023-24, RBI intends to examine licensing requirements and conduct impact
assessments of recent modification in asset classification norms for NBFC
Guidelines on Default Loss Guarantee
(DLG) in Digital Lending
RBI may tighten regulations for
unsecured lending
All regulated entities must ensure that total amount of default loan guarantee cover on
an outstanding portfolio does not exceed 5% of the loan portfolio
With the increasing share of unsecured loan in overall portfolio, RBI to produce stricter
norms to navigate risk of potential defaults
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