RBI proposes ₹1 crore minimum for securitisation investments
The RBI’s draft securitisation norms would require demat-only issuance and set a ₹1 crore minimum investment for transfers. The proposal could reshape how banks package retail loans, with implications for lender liquidity and consumer-credit funding.
What happened
Reserve Bank of India · RBI has proposed tighter securitization rules, including demat-only issuance and a ₹1 crore minimum investment for all transfers. The
Key facts
- ₹1 crore minimum investment
- 27 August stakeholder-comment deadline
- 1 October proposed effective date
- 50 or more investors listing threshold under existing rule
Why this matters
Companies considering consumer-credit partnerships or acquisitions should assess counterparties’ dependence on securitisation funding, as the proposed norms may reshape capital access from 1 October.