RBI Digital Lending Directions 2025 — Complete Guide for NBFCs

RBI Digital Lending Directions 2025 — NBFCs ke liye Kya Badla?

Reserve Bank of India ne Digital Lending ke liye updated guidelines jari ki hain jo sab Registered NBFCs aur MFIs pe apply hoti hain.

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Mandatory Requirements

1. CIMS Portal Reporting
Sab NBFCs ko Credit Information Management System (CIMS) portal pe monthly data submit karna mandatory hai. Manually karna time-consuming aur error-prone hai — automated software zaroori hai.

2. Video KYC (V-CIP)
New borrowers ke liye Video Customer Identification Process (V-CIP) mandatory ho gayi hai. Physical KYC ab optional hai.

3. Board-Approved Policies
Digital lending ke liye Board-approved Fair Practices Code, KYC Policy, aur Data Privacy Policy zaroori hain.

4. Key Fact Statement (KFS)
Har loan ke liye borrower ko KFS dena mandatory hai — Annual Percentage Rate (APR) clearly mention honi chahiye.

5. Co-lending Engine
Banks ke saath co-lending karne wale NBFCs ke liye co-lending engine mandatory hai.

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Compliance Ke Liye Kya Chahiye?

- RBI-compliant Loan Management System (LMS)
- Automated CIMS reporting
- Video KYC integration
- Audit trail maintenance
- Borrower grievance redressal system

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MICS Loan System Se Kaise Comply Karein?

MICS ka Loan Management System RBI Digital Lending Directions 2025 ke liye specifically built hai. Video KYC, CIMS portal integration, co-lending engine, aur complete audit trail — sab included hain.

Pricing: ₹30,000/month se shuru

Free demo ke liye aaj hi contact karein.