General Knowledge · General Awareness
Under the RBI's Co-Lending Model (CLM) guidelines between Banks and NBFCs, how must stress management, loan restructuring, or repayment moratoriums due to unforeseen events (like natural calamities) be legally handled?
Verified Solution4 OptionsUpdated: October 2026👁️1 View
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- 1The bank can unilaterally override the NBFC's decision based on holding the majority loan share.
- 2The NBFC is solely liable for losses and recovery actions as the sourcing agent.
- 3The co-lending agreement must pre-define stress handling, and restructuring must align with the bank's board-approved policy.✓
- 4The RBI automatically cancels co-lending agreements when borrowers lack credit bureau scores.
Correct answer
The co-lending agreement must pre-define stress handling, and restructuring must align with the bank's board-approved policy.
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