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Banking chronicle The Reserve Bank of India (RBI) on 4 Oct issued rules for non-banking financial companies (NBFCs) that want to operate as peer-to-peer (P2P) lending platforms Banking chronicle. The central bank has specified that the maturity of the loans must not exceed 36 months. The aggregate exposure of a lender to all borrowers at any point
of time, across all P2Ps bsc chronicle, would be subject to a cap
of ZIO lakh. The same limit applies to aggregate loans taken by a borrower at any point of time, across all P2Ps bsc
chronicle. The exposure of a single lender to the same borrower, across all P2Ps, must not exceed 250,000. Also, every company seeking to register with the central bank as an NBFC-P2P needs to have a net owned fund of not less than n cr
or higher, i f the regulator specifies it. bsc magazine-Buy–Now A
certificate of registration would be needed
to commence business and existing P2P
platforms can apply within three months.
bscmagazine-Buy–Now An NBFC-P2P
cannot raise deposits or lend on its
own and shall act as an intermediary.
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