Each entity under a CO loan agreement (CLA) is obliged to keep at least 10 percent share of individual loans in its books | Photocredit: Reuters
The Reserve Bank of India (RBI) launched the final co-loan standards on Wednesday, whereby each entity must retain a minimum of 10 percent of the individual loans in its books under a co-loan agreement (CLA). The entity that loans under this model origin can offer a standard loss guarantee up to 5 percent of the outstanding loans that are punished under the agreement to the partnerTentity.
It is important that existing co-loan agreements before the date of issue of these instructions and new CLAs before the commencement date that is 1 January 2026 are implemented in agreement with the existing regulations.
“The credit policy of a RE (registered entity) will appropriately include provisions with regard to CLAS, including the internal limit for the share of their credit portfolio under Clas; target credit segments;
Publication in advance
Furthermore, the loan agreement signed with the credit will make a pre -disclosure of the segregation of the roles and responsibilities (such as sourcing and maintenance) of the entity involved, including a clear identification of the entity that is the only interface point with the customer. Every subsequent change in the customer interface is only made to the borrower after earlier intimation, the RBI said. The loan capacity will also announce appropriate provisions in the correct manner with regard to customer protection and complaint repair mechanism.
“De CLA zal een onherroepelijke toewijding van de kant van partner Re met zich meebrengen om zijn boeken op te nemen, op basis van rug, het aandeel van de individuele leningen zoals afkomstig van de oorspronkelijke RE. De CLA zal ervoor zorgen dat de respectieve aandelen van de RES van de RES van de Regulator niet worden weerspiegeld in de Boeken van de Regulator, zei de Regelon, zei de regulator, de regulator, de regulator, zei de regulator, The regulator, the regulator said.
Published on August 6, 2025
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