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RBI Co-Lending Norms 2025: 10% Retention and 5% DLG

14 August 20251 min read
BANKING & FINANCERBI Co-LendingNorms 2025: 10%Retention and 5%DLG14 August 2025safalsetu.com

Why in the news

Crisil Ratings views the new RBI co-lending rules as a growth boost for NBFCs, with easier funding for smaller ones.

FeatureEarlierNow
Retention20% for NBFCs10%
DLG up to 5%Digital lending onlyAll lending forms
ScopeNarrowerAll regulated entities, secured and unsecured loans

Key facts

  • All co-lending partners follow uniform asset classification for one exposure.
  • Crisil expects larger NBFC loan books, deeper bank-NBFC risk sharing and fewer disputes.

Exam angle

  • RE = Regulated Entity; DLG cap 5%.

Test yourself

1. What minimum share of a loan must regulated entities retain under RBI's revised co-lending guidelines?

The retention requirement is 10%, down from 20% for NBFCs.

2. Up to what percentage of loans can originating REs offer as Direct Lending Guarantee (DLG) under the revised co-lending norms?

DLG can go up to 5% across all lending forms.

3. Which agency's analysis said the revised co-lending rules would create growth opportunities for NBFCs?

Crisil Ratings gave this assessment.

This topic is part of Daily Current Affairs 14 August 2025 (15 topics).

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