Reserve Bank of India (Transfer of Loan Exposures) 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 (Transfer of Loan Exposures) Directions, 2021. These new directions replace all previous instructions regarding the sale and transfer of loan exposures. They aim to establish a comprehensive set of regulatory guidelines for the transfer of loan exposures, facilitating a robust secondary market for loans and improving liquidity management for lending institutions. All commercial banks, co-operative banks, financial institutions, and non-banking financial companies must ensure compliance.

RESERVE BANK OF INDIA RBI/DOR/2021-22/86 DOR.STR.REC.51/21.04.048/2021-22 September 24, 2021 All Commercial Banks (including Small Finance Banks, Local Area Banks andRegional Rural Banks) All Primary (Urban) Co-operative Banks/State Co-operative Banks/ District Central Co-operative Banks All All-India Financial Institutions All Non-Banking Financial Companies (including Housing Finance Companies) Master Direction Reserve Bank of India (Transfer of Loan Exposures) Directions, 202

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FAQ :

These are new regulatory guidelines issued by the Reserve Bank of India that govern the sale and transfer of loan exposures by lending institutions.

These directions come into force with immediate effect.

They replace all existing instructions on the matter of sale and transfer of loan exposures.

All commercial banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks), all Primary (Urban) Co-operative Banks/State Co-operative Banks/ District Central Co-operative Banks, all All-India Financial Institutions, and all Non-Banking Financial Companies (including Housing Finance Companies) need to comply.

The directions aim to establish a comprehensive framework for loan transfers, supporting liquidity management and the development of a robust secondary market in loans.

Notification No : RBI/DOR/2021-22/86 DOR.STR.REC.51/21.04.048/2021-22
Source : https://rbidocs.rbi.org.in/rdocs/notification/PDFs/86MDLOANEXPOSURESC6B1DFB428C349D885619396317F04DE.PDF

Attached File : 322600_10755_rbi1.pdf

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