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Vinod Kothari Vinod Kothari is internationally recognized as an author, trainer and consultant on specialized financial subjects, viz., housing finance, securitisation, credit derivatives, accounting for financial instruments, structured finance, banking regulations etc. As such, he lectures all over the world. The locations where he has lectured on these subjects include New York, Washington, London, Milan, […]
About the Summit Banks and non-banking finance companies (NBFCs) are showing ever-more complementarity, making the most of their respective capabilities. While bank finance to NBFCs is on a record high, there are several ways in which banks extend their outreach through NBFCs – securitisation, direct assignments, loan sourcing, co-lending, etc. Securitisation markets have clearly matured […]
– Team Finserv | finserv@vinodkothari.com One may call it insecure about unsecured lending; the central bank has taken what in our view is a bold and timely measure, to rein in unsecured lending. Identifying a notable surge in specific segments of consumer credit, the RBI had recently met senior bankers. The latter had reportedly assured […]
Increased risk weights on bank lending to NBFCs, Sectoral exposure limits among protective measures – Vinod Kothari | vinod@vinodkothari.com One may call it insecure about unsecured lending; the central bank has taken what in our view is a bold and timely measure, to rein in unsecured lending. Identifying a notable surge in specific segments of consumer […]
– Vinod Kothari, Director | vinod@vinodkothari.com The data for securitisation transactions in India for the first half of FY24 are just out, and some remarkable features are: With this, securitisation markets in India have truly started moving towards maturity. The so-called direct assignment/DA (now under regulations termed as Transfer of Loan Exposures) was a market […]
– Vinod Kothari & Abhirup Ghosh | finserv@vinodkothari.com The recent notification[1] by the RBI permitting banks to provide pre-sanctioned credit facilities to be used by Unified Payment Interface (UPI) is a game changer. The full dimensions of this new mode of extending credit will possibly take some time to develop or demonstrate, but clearly, as […]
At Vinod Kothari & Company, we focus on developing our resources as much as we focus on servicing clients. The little window of time we get from hectic season we try to hone our skills that eventually lead us to serve our clients better. “I am the best” is an initiative for colleagues to brush […]
– Team Finserv | finserv@vinodkothari.com Updated as on 4th March 2024 The Circular is applicable from April 01, 2024. Please feel free to drop your queries in the comment box below and we will try our best to reply at the earliest. RBI on August 18, 2023 came up with the circular Fair Lending practice […]
Vinod Kothari Consultants is launching an engaging podcast dedicated to exploring various aspects of the Non-Banking Financial Sector. Join us as we delve into topics such as Scale Based regulations, Co-lending laws, digital lending guidelines, and more. Stay informed and stay tuned for the latest updates. Don’t forget to subscribe to our channel by clicking […]
An understanding of the Guidelines issued by RBI (Updated as on April 29, 2024) Team Finserv | finserv@vinodkothari.com On September 02, 2022, the RBI issued the “Guidelines on Digital Lending” (“DL Guidelines”), which had essentially put a bar on “Loss sharing/ structured default guarantee arrangements” such as First Loss Default Guarantees, likening their nature to […]
