The bank-NBFC (non-banking monetary firm) colending mannequin, launched by the Reserve Financial institution of India (RBI) in 2018, is but to take off totally attributable to a number of points, mentioned trade gamers.
The explanations embody lack of technological integration, totally different threat perceptions on the a part of lending companions (banks and NBFCs), and greater NBFCs being sluggish in accepting the mannequin, mentioned specialists.
Colending occurs when a number of lending companions enter into an association to offer loans to precedence sectors like micro, small, and medium enterprises (MSMEs).
In colending, the RBI-mandated minimal 20 per cent credit score threat by means of direct
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