In this Lexpresso special, we decode the RBI's new Co-Lending Arrangements (CLA) Directions, 2025, which create a unified framework for joint lending between banks, NBFCs, and other regulated entities. The rules mandate a 10% minimum loan retention, blended interest rates for borrowers, and strict due diligence, audit, and transparency requirements. With Default Loss Guarantees capped at 5%, the framework expands co-lending beyond priority sectors, aiming to boost credit access while standardizing governance and risk-sharing.
Your essential guide to RBI's latest playbook for India's lending ecosystem.
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