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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...
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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...
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 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...
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When an ambitious NRI entrepreneur set out to acquire an NBFC in India, he faced a maze of consultants, delays, and false promises. Despite assigning the mandate to a consultant, he soon realized their approach wasn’t aligned with his vision.
...
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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 ...
The Reserve Bank of India (RBI), led by Governor Sanjay Malhotra, recently held a crucial meeting with leading Non-Banking Financial Companies (NBFCs)—his first such interaction since taking office. The meeting brought together MDs and CEOs fro...
In the fast-paced world of fintech, many entrepreneurs are eyeing the potential of acquiring an NBFC (Non-Banking Financial Company) or applying for new NBFC registrations.
But here’s the reality: Most attempts fall short. Whether you're...
₹12 lakh income? No tax.
₹12,10,000 income? ₹61,500 tax?
What happens if your income exceeds ₹12 lakh by just ₹1?
Did you know that earning just ₹1 extra above ₹12 lakh could shoot up your tax liability disproportionately?
That’s wh...
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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In today’s rapidly evolving financial landscape, co-lending has emerged as a significant force reshaping how loans are disbursed in India. The model, which enables banks and Non-Banking Financial Companies (NBFCs) to jointly disburse loans, has...
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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...
The alternative investment industry in India is experiencing a remarkable surge, outpacing traditional mutual funds at an unprecedented rate. Over the last five years, from June FY19 to June FY24, the industry has achieved a Compound Annual Growth Ra...
Introduction
Non-banking financial companies (NBFCs) play a quintessential role in bridging the credit gap within economies worldwide, especially in the dynamic financial background of 2024. The rapid development and diversification of NBFCs ensur...
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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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Co-lending, a collaborative lending model where multiple lenders join forces to provide financing to a borrower, has become increasingly popular in the financial sector. This approach allows lenders to capitalize on their individual strengths while s...
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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...
As regulatory expectations evolve, Non-Banking Financial Companies (NBFCs) face increasing demands to develop comprehensive policies ensuring compliance, effective risk management, and robust governance. This is particularly crucial for NBFCs in the ...
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The fintech landscape has undergone significant transformations in recent years, with digital lending emerging as a disruptive force reshaping traditional financial models. As we look ahead to 2024, the digital lending industry is poised for continue...
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A Comprehensive Guide to the Money Changer Business
In our increasingly globalized world, the demand for currency exchange services is on the rise. From tourists to business travelers, the need for quick and reliable money changing services is eve...
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The fintech industry is experiencing an unprecedented evolution, driven by groundbreaking innovations that are transforming how we manage, invest, and think about money. From artificial intelligence to blockchain, the financial landscape is being red...
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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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The Reserve Bank of India recently announced major changes in the Non-Banking Financial Company (NBFC) sector. The RBI revealed that 15 NBFCs, including notable entities such as Tata Capital Financial Services and Revolving Investments, have voluntar...
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A Non-Banking Financial Company (NBFC) provides various financial services such as loan facilitation, stock acquisition, hire-purchase, and insurance, contributing significantly to the nation’s financial growth. To establish an NBFC in India, u...
In today's rapidly changing financial landscape, traditional credit scoring methods often fail to meet the needs of millions of people worldwide who are underserved by formal banking systems. Emerging economies, such as the Philippines, struggle ...
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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 recent years, the fintech landscape in India has witnessed a remarkable evolution, with digital lending emerging as a disruptive force reshaping traditional financial models. As we look ahead to 2024, the digital lending industry is poised for con...
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In the dynamic realm of Non-Banking Financial Companies (NBFCs), takeover processes play a crucial role in shaping market landscapes and strategic trajectories. Let’s delve into the intricacies of NBFC takeovers, exploring the reasons behind th...
In India, Micro, Small, and Medium Enterprises (MSMEs) and retail borrowers constitute a significant portion of the economy, yet access to formal financing remains a challenge. However, the emergence of co-lending partnerships between Banks and Non-B...
In today's dynamic financial landscape, small Non-Banking Financial Companies (NBFCs) and FinTech players face unique challenges and opportunities. While these entities strive to compete with larger institutions, they often encounter resource con...
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In the intricate ecosystem of finance, small Non-Banking Financial Companies (NBFCs) often find themselves navigating a landscape fraught with operational challenges. These hurdles, stemming from limited resources and scale, can impede growth and sus...
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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...