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If you're building in Fintech, Lending, or BFSI, obtaining an Account Aggregator (AA) License is your gateway to innovation and compliance.
An Account Aggregator is a platform regulated by the Reserve Bank of India (RBI) that enables users to ...
Unlock Your Financial Future with NBFC Advisor
Transform your NBFC deal into a seamless, secure, and successful venture with our expert guidance. At NBFC Advisor, we take the complexity out of the process, handling everything from meticulous due d...
The Reserve Bank of India (RBI) has released draft guidelines on gold loans, aimed at improving transparency and regulatory consistency in the sector. While these new norms bring much-needed clarity, they also introduce stricter compliance requiremen...
The Reserve Bank of India (RBI) has launched the PRAVAAH Portal — a centralized online platform designed to streamline all regulatory approval processes.
What is PRAVAAH?
PRAVAAH (Platform for Regulatory Application, Validation, and Autho...
With increasing regulatory scrutiny, fintech startups and NBFCs must ensure alignment with global and local data protection laws to remain competitive and trusted:
Key Regulations to Watch:
→ GDPR – Emphasizes a consent-first approac...
In today’s competitive market, delayed payments can create major cash flow challenges—especially for Micro, Small, and Medium Enterprises (MSMEs). That’s where factoring steps in as a powerful financial solution.
What is Factor...
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This exponential growth is being fueled by:
→ Rapid internet penetration
→ A thriving fintech ecosystem
→ Increasing demand for credit
The opportunity is massive — but navigating the regulatory landscape demands strategic p...
Valued at $350 billion, India’s lending market is projected to surpass $720 billion by 2030 — unlocking immense opportunities for lenders across the ecosystem.
What is Co-Lending?
Introduced by the RBI, co-lending allows banks and...
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In the era of Open Finance, NBFC Account Aggregators (AA) are revolutionizing how financial data is shared, accessed, and utilized. If you're a fintech, NBFC, or financial service provider, an NBFC-AA license could be your key to unlocking a futu...
With rising competition and evolving RBI regulations, NBFCs are increasingly opting for mergers to gain a competitive edge.
An NBFC merger is a strategic move where two or more Non-Banking Financial Companies join forces to form a single, stronger...
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The Reserve Bank of India (RBI) has imposed fines on six NBFCs for violating key regulatory norms under the RBI Act, 1934. These penalties, totaling over ₹60 lakh, highlight RBI’s tightening grip on governance and compliance.
Who Got Fined...
Aditya Birla Capital has officially merged with its subsidiary, Aditya Birla Finance.
This isn’t just a merger—it’s a strategic move to simplify structure, enhance financial strength, and boost operational efficiency.
Why This...
XBRL (Extensible Business Reporting Language) is a standardized format designed to enhance accuracy and efficiency in financial reporting.
As per RBI regulations, all NBFCs, particularly those classified under Non-Deposit Taking and Non-Systemical...
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India’s Peer-to-Peer (P2P) lending market is growing at an impressive 21% CAGR, transforming how individuals and businesses access credit. By eliminating intermediaries, P2P platforms offer faster and more flexible funding solutions.
Why is ...
Did you know that failing to register with FIU-IND can result in:
⚠️ Heavy penalties
⚠️ Business restrictions
⚠️ Reputational damage
The Financial Intelligence Unit - India (FIU-IND) plays a crucial role in monitoring and preventing money laund...
Traditional KYC is slow, expensive, and vulnerable to fraud. Video KYC (vKYC) is revolutionizing the process by making it faster, safer, and more efficient.
✅ Faster Approvals – Complete KYC in 10-15 minutes, loan disbursal within 48 hours.
...
The Reserve Bank of India’s (RBI) revised Net Owned Fund (NOF) requirements will impact thousands of NBFCs across India. Whether you operate as an NBFC-ICC, NBFC-MFI, NBFC-Factor, or a Type I NBFC, understanding these regulatory changes is cruc...
The Reserve Bank of India (RBI) has issued guidelines for Non-Banking Financial Companies (NBFCs) to enhance financial stability and governance. Key compliance highlights include:
🔹 Scale-Based Regulation (SBR): NBFCs are classified into four lay...
The Alternative Investment Fund (AIF) industry in India is booming, with a 35% CAGR over the last five years!
AIFs provide investors with an opportunity to diversify beyond traditional assets like stocks and bonds. With targeted investments in hig...
The RBI has recently canceled multiple NBFC registrations, leading to financial and operational disruptions. If your NBFC is affected, you have 30 days to appeal!
Key Reasons for Cancellation:
✔ Non-compliance with the RBI Act
✔ Inadequate cap...
RBI Halts New Credit Lines & Renewals for Large NBFCs
The Reserve Bank of India (RBI) has directed large Non-Banking Financial Companies (NBFCs) to stop issuing new lines of credit and renewing existing ones for businesses.
Why?
NBFCs ha...
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India’s credit landscape is rapidly evolving, and Pass-Through Certificates (PTCs) are driving this transformation.
What Are PTCs?
PTCs are financial instruments backed by loan pools, allowing NBFCs to transfer loan ownership to ban...
NBFCs play a crucial role in India’s credit ecosystem, but non-compliance and operational missteps can lead to RBI penalties, financial losses, or even shutdowns!
Recently, RBI imposed penalties totaling ₹76.60 lakh on four NBFC-P2P lenders ...
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Microfinance has long been a cornerstone of financial inclusion in India, supporting small businesses and underserved communities. However, the latest Micrometer Q3 FY 2024-25 report unveils alarming trends, raising concerns about the sector's st...
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The Reserve Bank of India (RBI) has imposed a ₹33.10 lakh monetary penalty on IIFL Samasta Finance Limited for failing to adhere to regulatory norms.
🔍 Key Violations Identified:
❌ Charging interest before loan disbursement
❌ Misclassifying NPA...
The NBFC sector is a pillar of India’s financial ecosystem, but it faces regulatory, liquidity, and operational hurdles that impact growth and stability.
🔍 Top Challenges NBFCs Face:
⚠️ Regulatory Hurdles – Stricter RBI norms lead ...
India’s digital lending industry is on a rapid growth trajectory, projected to hit $1.3 trillion by 2030! With AI-powered risk assessment, fintech innovation, and RBI-backed policies, the sector is ripe with opportunities.
💰 Want to tap int...
Thousands do—and they pay a heavy price.
🚨 Scammers are getting smarter! They pose as NBFCs, run flashy ads, and promise instant loans. But once you download their app, they steal your contacts, messages, and photos—leading to harassm...
India's lending sector is on a meteoric rise, fueled by an expanding middle class, fintech innovation, and strong regulatory support.
This growth presents a golden opportunity for foreign investors, fintech firms, and financial instituti...
Digital lending is set to hit ₹5 TRILLION by FY28! 📈
With a 40% CAGR growth, the industry is expected to double its market share in India’s retail loan space in just four years.
And the best part? It’s just getting started!
What...
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The International Financial Services Centres Authority (IFSCA) has introduced key updates to its Fund Management Regulations, 2022, effective February 19, 2025. These revisions align with the December 2024 proposals and bring significant changes for ...
If you're running an NBFC, you already know—compliance is non-negotiable. One missed filing or overlooked regulation could lead to penalties, restrictions, or even license cancellation.
With RBI tightening regulations, staying compliant ...
Did you know? Gold loans in India are projected to cross ₹10 lakh crore in FY25 and surge to ₹15 lakh crore by 2027!
🏆 NBFCs are leading the charge, growing at 17-19% YoY, thanks to:
✅ Faster approvals
✅ Flexible repayment options
✅ Higher LTV...
Most people fear credit cards—but when used wisely, they can skyrocket your credit score faster than anything else! 🚀
Here’s how:
✅ Use Only 30% of Your Limit
Keeping your usage low shows lenders you’re responsible.
✅ Pay...
In a landmark move, the Karnataka government has strengthened its stance against the coercive recovery tactics used by Microfinance Institutions (MFIs). The latest draft of the Karnataka Microfinance (Prevention of Coercive Actions) Ordinance, 2025 i...
Vehicle finance plays a critical role in enabling individuals and businesses to own vehicles through structured credit facilities. But have you ever wondered how lenders assess risk before approving a vehicle loan? Let’s break it down!
The ...
On October 4, 2024, the Reserve Bank of India (RBI) issued a Draft Circular titled "Forms of Business and Prudential Regulation for Investments" that seeks to amend the extant Master Direction—Reserve Bank of India (Financial Services...
India’s fintech ecosystem has rapidly evolved into one of the most dynamic and innovative sectors in the world. While payments, digital banking, and other services have played an important role, lending has emerged as the primary driver of prof...
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The LendingTech sector in India is witnessing rapid growth, driven by the rising demand for digital lending solutions that target unbanked and underserved populations. This article delves into how LendingTech startups are differentiating themselves, ...
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Introduction
The Securities and Exchange Board of India (SEBI) has recently introduced significant amendments to the regulations governing Category I and Category II Alternative Investment Funds (AIFs), with a specific focus on borrowing provision...
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The fintech industry is witnessing rapid growth and innovation, with companies continuously seeking new avenues to expand their reach and improve their service offerings. One significant trend that has emerged is the acquisition of Non-Banking Financ...
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Introduction
The financial technology (fintech) sector has been experiencing unprecedented growth, with companies continually seeking innovative ways to expand their reach and enhance their offerings. One significant trend is the acquisition of no...
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As the demand for credit surges across corporate and industrial sectors, Non-Banking Financial Companies (NBFCs) have become crucial players in the financial ecosystem. Unlike traditional banks, NBFCs offer easier access to credit, making them highly...
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Please remember the following information regarding Non-Banking Financial Companies (NBFCs):
NBFCs play a vital role in providing funding to the Indian economy, and the Reserve Bank of India (RBI) is responsible for regulating and supervising thes...
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According to a recent industry report by the Microfinance Industry Network (MFIN), NBFC-MFIs have emerged as the largest providers of micro-credit in the country by the end of the 2023-24 fiscal year. The report highlights significant trends in the m...
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Imagine being able to withdraw cash from an ATM without using your card or deposit cash using only your smartphone. Thanks to the efforts of the National Payments Corporation of India (NPCI) and the Reserve Bank of India (RBI), this is now possible w...
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In recent months, the Reserve Bank of India (RBI) has implemented several stringent measures affecting non-banking financial companies (NBFCs). These measures include restrictions on important business areas such as gold loans and securities financin...
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Partnerships are often a catalyst for innovation and growth in the financial industry. One such collaborative model that has been gaining popularity in recent years is the Non-Banking Financial Company (NBFC) Co-Lending model. This innovative approac...
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In today's rapidly evolving technological landscape, the financial industry has witnessed a significant transformation, with digital lending emerging as a promising avenue for entrepreneurs. This article serves as a comprehensive guide for aspiri...
In the intricate world of finance, regulatory compliance stands as the bedrock of stability and credibility. This blog explores the profound impact of NBFC Advisor, showcasing how its expert guidance has been instrumental in steering Non-Banking Fina...
In the dynamic landscape of Non-Banking Financial Companies (NBFCs), the right guidance can make all the difference. This blog unveils the comprehensive support and expertise offered by NBFC Advisor, empowering financial entities to not only thrive b...