RBI New Rules for credit card & personal loans | personal loan new guideline | credit card new rules
4.6 هزار بار بازدید -
9 ماه پیش
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#indhinditech RBI
#indhinditech RBI New Rules for credit card & personal loans | personal loan new guideline | credit card new rules
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Banking related Channel Link :- indbankingpoint
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some details according rbi
Regulatory measures towards consumer credit and bank credit to NBFCs
Please refer to Governor’s Statement dated October 6, 2023 flagging the high growth in certain components of consumer credit and advising banks and non-banking financial companies (NBFCs) to strengthen their internal surveillance mechanisms, address the build-up of risks, if any, and institute suitable safeguards, in their own interest. The high growth seen in consumer credit and increasing dependency of NBFCs on bank borrowings were also highlighted by Governor in the interactions with MD/CEOs of major banks and large NBFCs in July and August 2023, respectively
(a) Consumer credit exposure of commercial banks
As per extant instructions applicable to commercial banks1, consumer credit attracts a risk weight of 100%. On a review, it has been decided to increase the risk weights in respect of consumer credit exposure of commercial banks (outstanding as well as new), including personal loans, but excluding housing loans, education loans, vehicle loans and loans secured by gold and gold jewellery, by 25 percentage points to 125%.
(b) Consumer credit exposure of NBFCs
In terms of extant norms, NBFCs’ loan exposures generally attract a risk weight of 100%2. On a review, it has been decided that the consumer credit exposure of NBFCs (outstanding as well as new) categorised as retail loans, excluding housing loans, educational loans, vehicle loans, loans against gold jewellery and microfinance/SHG loans, shall attract a risk weight of 125%.
Bank credit to NBFCs
In terms of extant norms, exposures of SCBs to NBFCs, excluding core investment companies, are risk weighted as per the ratings assigned by accredited external credit assessment institutions (ECAI)5. On a review, it has been decided to increase the risk weights on such exposures of SCBs by 25 percentage points (over and above the risk weight associated with the given external rating) in all cases where the extant risk weight as per external rating of NBFCs is below 100%. For this purpose, loans to HFCs, and loans to NBFCs which are eligible for classification as priority sector in terms of the extant instructions shall be excluded.
#personalloan
#creditcard
#rbi
Join telegram for fast update or solution - https://t.me/indhinditech
or
Search on telegram @indhinditech
Banking related Channel Link :- indbankingpoint
------------------ ------------------------------------- --------------
--------------------------------------------------------------------
facebook Page :- Facebook: indhinditech
Instagram :- Instagram: gautamckj
twitter :- https://bit.ly/3k5Yhdc
🙏🙏🙏🙏🙏🙏
please dosto is video ko like share kare aur channel ko subscribe jarur kare......
some details according rbi
Regulatory measures towards consumer credit and bank credit to NBFCs
Please refer to Governor’s Statement dated October 6, 2023 flagging the high growth in certain components of consumer credit and advising banks and non-banking financial companies (NBFCs) to strengthen their internal surveillance mechanisms, address the build-up of risks, if any, and institute suitable safeguards, in their own interest. The high growth seen in consumer credit and increasing dependency of NBFCs on bank borrowings were also highlighted by Governor in the interactions with MD/CEOs of major banks and large NBFCs in July and August 2023, respectively
(a) Consumer credit exposure of commercial banks
As per extant instructions applicable to commercial banks1, consumer credit attracts a risk weight of 100%. On a review, it has been decided to increase the risk weights in respect of consumer credit exposure of commercial banks (outstanding as well as new), including personal loans, but excluding housing loans, education loans, vehicle loans and loans secured by gold and gold jewellery, by 25 percentage points to 125%.
(b) Consumer credit exposure of NBFCs
In terms of extant norms, NBFCs’ loan exposures generally attract a risk weight of 100%2. On a review, it has been decided that the consumer credit exposure of NBFCs (outstanding as well as new) categorised as retail loans, excluding housing loans, educational loans, vehicle loans, loans against gold jewellery and microfinance/SHG loans, shall attract a risk weight of 125%.
Bank credit to NBFCs
In terms of extant norms, exposures of SCBs to NBFCs, excluding core investment companies, are risk weighted as per the ratings assigned by accredited external credit assessment institutions (ECAI)5. On a review, it has been decided to increase the risk weights on such exposures of SCBs by 25 percentage points (over and above the risk weight associated with the given external rating) in all cases where the extant risk weight as per external rating of NBFCs is below 100%. For this purpose, loans to HFCs, and loans to NBFCs which are eligible for classification as priority sector in terms of the extant instructions shall be excluded.
#personalloan
#creditcard
#rbi
9 ماه پیش
در تاریخ 1402/08/27 منتشر شده
است.
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