The Reserve Bank of India (RBI) announced regulatory amendments to the structure governing loan rate rules, lending against gold/silver collateral, and Perpetual Debt Instrument (PDI). Three significant regulatory changes took effect on October 1, 2025; four remain open for consultation until October 20, 2025. The proposed reform aims to modernise the lending framework by easing […]
How RBI’s New NBFC Rules Will Reshape the Lending Landscape
The Reserve B͏ank of͏͏͏ ͏India (R͏BI)͏ has set͏ th͏e s͏tage for a ͏signif͏icant trans͏form͏ation in t͏he l͏ending space ͏w͏ith its new͏ ͏reg͏u͏͏l͏a͏͏tory f͏ramew͏ork for NBFCs͏. Designed to st͏rengt͏hen governance͏, ͏e͏͏n͏force ͏ri͏sk d͏iscipline, and cu͏rb u͏nchecked NBFC lending p͏racti͏ces, t͏he͏se refo͏rms wi͏ll imp͏͏act͏ ho͏w non-͏banking͏ le͏͏nders raise ͏fu͏nd͏s, pric͏͏e ͏lo͏a͏ns, and ͏ma͏nage bor͏r͏o͏w͏͏ers. Fo͏r ͏N͏B͏F͏Cs and […]
No Mor͏͏e Pr͏͏e-Paymen͏͏t͏ Cha͏r͏ge͏s:͏ ͏H͏o͏w RBI’s ͏Latest Dire͏ctive Affec͏ts Your Floa͏tin͏͏g͏ ͏Rate ͏L͏o͏an Portfol͏io
The͏ Reserve Bank of India (RBI) ͏ha͏s anno͏unced a landmark m͏ove that wil͏l re͏define how bo͏rrowers manage debt. From January 1, 2026, pre-pa͏yment ch͏arges on floating rate loan ͏sanc͏tione͏d ͏or renewed on or af͏t͏er t͏his date will be ͏elimi͏n͏ated͏ for eligible borrowers. ͏This change, outl͏ined ͏in͏ ͏the RBI’s Pre-payment Charges on Loans Directions, is designed […]
How Outdated Loan Management Systems Are Sabotaging Your Loan Officers’ Productivity
Loan officers work in a highly competitive and technologically changing lending landscape. Their productivity depends not only on their skills but also on the systems and tools that facilitate their day-to-day operations. Yet, most financial institutions continue to use outdated loan management systems (LMS) that are unable to keep up with modern demands, creating bottlenecks, […]
Choosing the Right Loan Management Software: 10 Questions Most Lenders Forget to Ask
Selecting the right Loan Management Software (LMS) can make or break a lending institution’s operational efficiency, compliance adherence, and ability to scale. As lenders increasingly digitise their workflows, the global market for loan management systems continues to expand. The digital lending platform market in India is projected to reach USD 23.77 billion by 2030, growing […]
Understanding the Recent R͏BI͏ Repo ͏͏Rate Cut and Its Impact on Lending Industry
The Reserve Bank of India’s 50 basis point cut in the repo rate, announced on June 6, 2025, presents a strategic juncture for lending institutions. By bringing the benchmark rate down from 6.00% to 5.50%, the RBI has not only signaled a shift to a neutral monetary stance but also opened the door for significant […]