Loan portfolio transfers
also known as “sell and assign” transactions, are a strategic way for financial institutions—particularly NBFCs, banks, and fintech lenders—to optimize balance sheets, manage liquidity, and reduce credit risk.
What It Means
Loan Portfolio Transfer involves the sale of a pool of loans (retail, SME, or corporate) from one financial entity to another.
The assignor (seller) transfers the rights, title, and interest in the loan assets to the assignee (buyer) for an agreed consideration.
The transfer can be structured as a true sale (complete transfer) or through participation/assignment with continuing involvement.
Typical Process
Identification of loan pools for transfer.
Due Diligence by the buyer on credit quality, compliance, and documentation.
Pricing & Valuation of the portfolio.
Execution of Assignment Deed/Agreement.
Regulatory Reporting and customer intimation.
Our Platform Features
Loan Portfolio Transfer & Assignment
End-to-end support for buying/selling loan books.
Transparent valuation and secure documentation.
RBI-compliant assignment process.
NBFC Buy & Sell Marketplace
Verified listings of NBFCs for acquisition, merger, or takeover.
Connects buyers, sellers, and investors securely.
Assured compliance checks before deal closure.
Digital Lending Setup
Ready-to-deploy Loan Origination & Management Systems (LOS/LMS).
API-enabled eKYC, credit bureau, and payment gateway integrations.
Scalable cloud infrastructure for fintech growth.
Fintech Compliance Suite
Automated compliance tracking and reporting.
CKYC, CIC, RBI returns, and governance modules.
Real-time alerts on regulatory updates.
Co-Lending & Collaboration Models
Enable NBFC–Bank partnerships with structured co-lending frameworks.
Integrated monitoring dashboards for risk sharing.
Benefits
Liquidity Management: Immediate cash inflow to the selling entity.
Risk Diversification: Transfer of stressed or concentrated loan segments.
Capital Adequacy: Helps meet regulatory capital and provisioning requirements.
Strategic Expansion: Buyers gain access to new customer segments and geographies.
Regulatory & Compliance Aspects
Governed under RBI guidelines for securitization and direct assignment of loan exposures.
Requires due diligence, fair valuation, and adherence to KYC/AML norms.
Proper board approvals, assignment agreements, and reporting to RBI/credit bureaus are mandatory.
