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Is Your NBFC Ready for RBI’s Latest Guidelines? | 2025 Compliance Checklist

  • 08-Aug-2025
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Is Your NBFC Ready for the Latest RBI Updates?

The Reserve Bank of India (RBI) is rolling out significant measures to tighten the compliance landscape for Non-Banking Financial Companies (NBFCs). These updates span digital lending, reporting requirements, and partnership oversight—making it vital for NBFCs to keep pace or risk penalties.

1. Greater Monitoring of NBFC–Fintech Partnerships

RBI is conducting in-depth audits of NBFCs working with fintech Loan Service Providers (LSPs). These reviews focus on KYC compliance, data privacy, and adherence to digital lending regulations. It’s now essential for NBFCs to ensure that their fintech partners operate with the same level of compliance rigor.

2. Penalties for Non-Adherence

In recent enforcement actions, four NBFCs faced fines totaling ₹76.6 lakh for violating P2P lending regulations. Offences included loan disbursals without lender consent and failure to share borrower risk profiles. The clear lesson—non-compliance comes with a steep cost.

3. Relaxation in Rules for NBFC-MFIs

The RBI has eased norms for NBFC-MFIs by reducing the qualifying asset requirement from 75% to 60%. This change allows greater portfolio diversification and enables outreach to a larger, more diverse borrower base.

4. Stricter Digital Lending Standards

Following past misconduct by some online lenders, the RBI has tightened rules on data protection and fair lending practices. NBFCs using digital platforms must now ensure clear borrower consent, transparent terms, and strong cybersecurity systems.

5. Revised Reporting & Compliance Requirements

The updated framework introduces several key changes:

  • Net Owned Funds (NOF) to be increased to ₹10 crore by March 2027

  • Mandatory submission of NBS-1, NBS-2, ALM reports, and auditor certifications

  • Implementation of XBRL-based reporting for better regulatory oversight

How NBFC Advisor Can Assist

At NBFC Advisor, we help you stay compliant, avoid penalties, and be inspection-ready. Our comprehensive services include:

  • RBI & ROC Filings

  • KYC/AML Implementation

  • CRILC & CIC Reporting

  • Governance & Audit Readiness

  • Digital Lending Compliance Support

📌 Get in touch for a free consultation
📞 +91 93113 47006

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