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Investor Presentaiton

Key regulatory measures (2/2) Jun 22 Oct 22 May 23 Jun 23 50 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 43 Copyright © 2023 by Boston Consulting Group. All rights reserved.
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