Reserve Bank of India (Securitisation of Standard Assets) Directions, 2021

Last updated: 25 September 2021

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The Reserve Bank of India has issued the Master Direction – Reserve Bank of India (Securitisation of Standard Assets) Directions, 2021, effective immediately. These directions replace previous instructions on securitisation of standard assets and aim to facilitate risk distribution and liquidity for lenders. They have been issued under various sections of the Banking Regulation Act, 1949, the Reserve Bank of India Act, 1934, and the National Housing Bank Act, 1987.

Reserve Bank of India RBI/DOR/2021-22/85 DOR.STR.REC.53/21.04.177/2021-22 September 24, 2021 All Scheduled Commercial Banks (including Small Finance Banks but excluding Regional Rural Banks); All All-India Term Financial Institutions (NABARD, NHB, EXIM Bank, and SIDBI); All Non-Banking Financial Companies (NBFCs) including Housing Finance Companies (HFCs) Master Direction Reserve Bank of India (Securitisation of Standard Assets) Directions, 2021 Please refer to the Draft F

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FAQ :

The Reserve Bank of India has issued the Master Direction – Reserve Bank of India (Securitisation of Standard Assets) Directions, 2021.

These directions come into force with immediate effect.

They replace the existing instructions on the matter of securitisation of standard assets.

All Scheduled Commercial Banks (excluding Regional Rural Banks), All-India Term Financial Institutions, and all Non-Banking Financial Companies (including Housing Finance Companies) are advised to ensure compliance.

Securitisation involves redistributing credit risk by repackaging assets into tradeable securities. Prudentially structured securitisation can improve risk distribution and lender liquidity for originating fresh loans.

Notification No : RBI/DOR/2021-22/85 DOR.STR.REC.53/21.04.177/2021-22
Source : https://rbidocs.rbi.org.in/rdocs/notification/PDFs/85MDSTANDARDASSETSBE149B86CD3A4B368A5D24471DAD2300.PDF

Attached File : 322600_10754_rbi.pdf

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