{"id":2175,"date":"2025-05-24T13:16:27","date_gmt":"2025-05-24T07:46:27","guid":{"rendered":"https:\/\/www.caclubindia.com\/guide\/?p=2175"},"modified":"2025-06-26T15:54:36","modified_gmt":"2025-06-26T10:24:36","slug":"rbi-new-rules","status":"publish","type":"post","link":"https:\/\/www.caclubindia.com\/guide\/rbi-new-rules\/","title":{"rendered":"New Digital Lending Rules: Loan Apps Under RBI Radar"},"content":{"rendered":"\n<p>Digital lending apps have grown rapidly as borrowing seem quick and easy loans with minimal paperwork.<\/p>\n\n\n\n<p>However, many borrowers face issues like harassment, hidden fees and personal data misuse by lending agents after taking loans from such apps.<\/p>\n\n\n\n<p>To address this, the Reserve Bank of India has introduced strict rules to clean up the digital lending space.<\/p>\n\n\n\n<p>This new rules aim to balance innovation with consumer protection, tighten oversight of Lending Service Providers (LSPs) and ensure secure and ethical lending practices.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"427\" src=\"https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/05\/RBI-issues-Digital-Lending-Directions-1024x427.png\" alt=\"\" class=\"wp-image-2177\" srcset=\"https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/05\/RBI-issues-Digital-Lending-Directions-1024x427.png 1024w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/05\/RBI-issues-Digital-Lending-Directions-300x125.png 300w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/05\/RBI-issues-Digital-Lending-Directions-768x320.png 768w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/05\/RBI-issues-Digital-Lending-Directions.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\r\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.caclubindia.com\/guide\/rbi-new-rules\/#Applicable_To\" >Applicable To<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.caclubindia.com\/guide\/rbi-new-rules\/#Major_Rules_in_Digital_Lending_Direction\" >Major Rules in Digital Lending Direction<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.caclubindia.com\/guide\/rbi-new-rules\/#Transparency_Borrower_Rights\" >Transparency &amp; Borrower Rights<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.caclubindia.com\/guide\/rbi-new-rules\/#Loan_Disbursement_and_Repayment\" >Loan Disbursement and Repayment<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.caclubindia.com\/guide\/rbi-new-rules\/#Data_Privacy_Measures\" >Data Privacy Measures<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.caclubindia.com\/guide\/rbi-new-rules\/#Digital_Lending_App_Verification\" >Digital Lending App Verification<\/a><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Applicable_To\"><\/span>Applicable To<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>These rules are applicable to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All Commercial Banks<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Co-operative Banks<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NBFCs (non-banking financial companies)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All India Financial Institutions (AIFIs) like NABARD, SIDBI<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lending Service Provider (LPAs) and Digital Lending Apps (DLA&#8217;s) such as InstaRupee, RapiRupee etc. partnering with Regulated Entities.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Major_Rules_in_Digital_Lending_Direction\"><\/span>Major Rules in Digital Lending Direction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Transparency_Borrower_Rights\"><\/span>Transparency &amp; Borrower Rights<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lenders must now show a comprehensive list of all available digital loan option<\/strong> like loan amount, interest rates, tenures, repayment schedules, late fees, penalties upfront to borrowers and Identity of lending institution.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Digital lending apps must <strong>clearly mention partnership details with Regulated Entities<\/strong> (like Axis Bank, SBI, etc.) \u2014 ensuring borrowers know who\u2019s actually giving the loan.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This prevents mis selling and coercive upselling by Lending Service Providers.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Loan_Disbursement_and_Repayment\"><\/span>Loan Disbursement and Repayment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All the funds must directly flow between the borrower\u2019s and the Regulated Entity&#8217;s bank accounts.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No third-party wallets or intermediaries are allowed to handle the money.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Auto-debit of EMIs from borrower accounts is not allowed without prior consent, protecting borrowers from unauthorized debits.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Data_Privacy_Measures\"><\/span>Data Privacy Measures<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Borrowers must be informed clearly what data is being collected.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lending Apps cannot access such as Phone contacts, Media Files, Call Logs, SMS Inbox without explicit, need based consent.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Consent must be revocable and data usage must be minimized.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All collected data must be stored on servers located in India.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If processed abroad , it must be <strong>erased from foreign servers<\/strong> and <strong>re-imported with 24 hours<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Digital_Lending_App_Verification\"><\/span>Digital Lending App Verification<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All the <strong>Regulated Entities must submit details of DLAs<\/strong> they work with on CIMS portal by <strong>15th June 2025<\/strong>.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>By <strong>1st July 2025<\/strong>, RBI will publish a <strong>public directory of DLAs<\/strong> i.e., list of valid Digital Lending App.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Unlisted DLAs<\/strong> will be considered <strong>unauthorized<\/strong>.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Digital lending apps have grown rapidly as borrowing seem quick and easy loans with minimal paperwork. However, many borrowers face [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2176,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[11],"tags":[],"class_list":["post-2175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>New Digital Lending Rules: Loan Apps Under RBI Radar - Tax Guide<\/title>\r\n<meta name=\"description\" content=\"RBI&#039;s new rule is to protect you from fraud in digital lending? 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