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.
RBI has proposed tighter securitization rules, including demat-only issuance and a ₹1 crore minimum investment for all transfers. The changes affect banks packaging retail loans, potentially influencing lender liquidity, capital availability and consumer-credit funding.
Why this matters
The proposal follows RBI’s recent ₹3,000 crore trials of polymer ₹10 and ₹20 notes across five cities, extending its recent regulatory and currency-market activity into retail-credit funding.
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