Co-Lending Setup
for NBFCs
Empowering NBFCs with bank partnerships, shared risk, and enhanced lending capacity.
What is Co-Lending?
Co-lending is a collaborative financing model introduced by the Reserve Bank of India (RBI) where Banks and Non-Banking Financial Companies (NBFCs) jointly lend to borrowers. This model combines the reach and agility of NBFCs with the financial strength and lower cost of funds of Banks, ensuring wider credit access, especially to priority sectors and underserved markets.
Why Co-Lending Matters
Increased Lending Capacity: NBFCs gain access to low-cost bank funds, enabling higher loan disbursements.
Shared Risk & Compliance: The risk is distributed between the NBFC and the partner bank, ensuring sustainable lending practices.
Customer-Centric Approach: Faster loan processing and last-mile delivery through NBFCs, backed by the credibility of banks.
Regulatory Backing: Co-lending guidelines issued by RBI ensure transparency, standardization, and long-term viability of this model.
Access to Cheaper Capital
Reduced dependency on expensive borrowings.
Business Expansion
Ability to penetrate rural and semi-urban markets effectively..
Operational Leverage
Improved loan book quality through joint underwriting and monitoring.
Revenue Growth
Enhanced margins with shared lending arrangements.
Benefits for NBFCs
You Need to Know Why You Should Choose Us
Expertise in NBFC advisory and digital lending models.
Strong network of banking and financial institutions.
Compliance-first approach ensuring RBI alignment.
End-to-end support—from strategy to execution.
At NBFC Buy Sell, we help NBFCs:
Identify and connect with potential bank partners for co-lending.
Structure compliant co-lending agreements aligned with RBI guidelines.
Set up digital loan origination and monitoring systems to ensure smooth execution.
Provide advisory and handholding support to maximize benefits from co-lending opportunities.
Latest News
Read Latest News
- All Post
- Banking
- Business
- Comertial
- Entertinment
Considering Buying an NBFC? Here’s Your Step-by-Step Guide to a Successful Acquisition Purchasing a Non-Banking Financial Company (NBFC) can open new...
RBI to Tighten Oversight of NBFCs in FY26: What You Need to Know The Reserve Bank of India (RBI) is set...
Digital Lending in India Is Skyrocketing — Are You Ready to Ride the Wave? India’s digital lending sector is witnessing explosive...