{"id":254799,"date":"2021-09-28T10:30:53","date_gmt":"2021-09-28T05:00:53","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=254799"},"modified":"2021-09-28T09:52:40","modified_gmt":"2021-09-28T04:22:40","slug":"rbi-issues-master-directions-rbi-transfer-of-loan-exposures-directions-2021","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2021\/09\/28\/rbi-issues-master-directions-rbi-transfer-of-loan-exposures-directions-2021\/","title":{"rendered":"RBI issues Master Directions- RBI (Transfer of Loan Exposures) Directions, 2021"},"content":{"rendered":"<p style=\"text-align: justify;\">On September 24, 2021, the Reserve Bank of India (RBI) has issued the Reserve Bank of India (Transfer of Loan Exposures) Directions, 2021. These directions come into immediate effect replacing the existing instructions on the matter of sale \/ transfer of loan exposures.<\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\"><strong>Applicability<\/strong><\/p>\n<p style=\"text-align: justify;\">The provisions of these directions shall apply to the following entities (collectively referred to as lenders in these directions), unless specified otherwise:<\/p>\n<p style=\"padding-left: 40px; text-align: justify;\">(a) Scheduled Commercial Banks;<\/p>\n<p style=\"padding-left: 40px; text-align: justify;\">(b) Regional Rural Banks;<\/p>\n<p style=\"padding-left: 40px; text-align: justify;\">(c) Primary (Urban) Co-operative Banks\/State Co-operative Banks\/District Central Co-operative Banks;<\/p>\n<p style=\"padding-left: 40px; text-align: justify;\">(d) All India Financial Institutions (NABARD, NHB, EXIM Bank, and SIDBI);<\/p>\n<p style=\"padding-left: 40px; text-align: justify;\">(e) Small Finance Banks; and<\/p>\n<p style=\"padding-left: 40px; text-align: justify;\">(f) All Non Banking Finance Companies (NBFCs) including Housing Finance Companies (HFCs).<\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\"><strong>General Requirements:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li>Lenders must put in place a comprehensive Board approved policy for transfer and acquisition of loan exposures under these guidelines. Further, the policy must also ensure independence of functioning and reporting responsibilities of the units and personnel involved in transfer \/ acquisition of loans from that of personnel involved in originating the loans. All transactions must meet the requirements as detailed in the policy.<\/li>\n<li>Loan transfers should result in transfer of economic interest without being accompanied by any change in underlying terms and conditions of the loan contract usually.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\"><strong>Minimum Holding Period<\/strong><\/p>\n<p style=\"text-align: justify;\">The transferor can transfer loans only after a minimum holding period (MHP), as prescribed below, which is counted from the date of registration of the underlying security interest:<\/p>\n<ol style=\"text-align: justify;\" type=\"a\">\n<li>Three months in case of loans with tenor of up to 2 years;<\/li>\n<li>Six months in case of loans with tenor of more than 2 years.<\/li>\n<\/ol>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\"><strong>Disclosures and Reporting<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li>The lenders should make appropriate disclosures in their financial statements, under \u2018Notes to Accounts\u2019, relating to the total amount of loans not in default \/ stressed loans transferred and acquired to \/ from other entities as prescribed in the Directions, on a quarterly basis starting from the quarter ending on December 31, 2021.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\">For more details, refer <a href=\"https:\/\/www.rbi.org.in\/Scripts\/BS_ViewMasDirections.aspx?id=12166\">HERE<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>On September 24, 2021, the Reserve Bank of India (RBI) has issued the Reserve Bank of India (Transfer of Loan Exposures) Directions, <\/p>\n","protected":false},"author":8808,"featured_media":253309,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4,1193],"tags":[15971,47250,30292,2611,2765],"class_list":["post-254799","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislationupdates","category-notifications","tag-acquisition","tag-holding-period","tag-loan","tag-RBI","tag-Transfer"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBI issues Master Directions- RBI (Transfer of Loan Exposures) Directions, 2021 | SCC Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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Banks","author":"Editor","date":"July 4, 2022","format":false,"excerpt":"\u00a0 \u00a0 On 28-08-2022, Reserve Bank of India (\u2018RBI') notified that for smooth functioning of the Regional Rural Banks (\u2018RRBs') and to ensure smooth implementation of Clause 77 of the Master Direction- Reserve Bank of India (Transfer of Loan Exposures) Directions, 2021 (\u2018MD-TLE') notified on 24-09-2021, the difference between the\u2026","rel":"","context":"In &quot;Legislation Updates&quot;","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":263703,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/03\/15\/rbi-issues-regulatory-framework-for-microfinance-loans\/","url_meta":{"origin":254799,"position":1},"title":"RBI issues Regulatory Framework for Microfinance Loans","author":"Bhumika Indulia","date":"March 15, 2022","format":false,"excerpt":"The Reserve Bank has issued Reserve Bank of India (Regulatory Framework for Microfinance Loans) Directions, 2022 for regulating microfinance loans. The Directions will come into force from April 01, 2022. \u00a0 Key Points: Applicability: The provisions of these directions shall apply to the following entities All Commercial Banks (including Small\u2026","rel":"","context":"In &quot;Legislation Updates&quot;","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":250466,"url":"https:\/\/www.scconline.com\/blog\/post\/2021\/06\/29\/reserve-bank-of-india-call-notice-and-term-money-markets-directions-2021\/","url_meta":{"origin":254799,"position":2},"title":"Reserve Bank of India (Call, Notice and Term Money Markets) Directions, 2021","author":"Bhumika Indulia","date":"June 29, 2021","format":false,"excerpt":"On June 25, 2021, the Reserve Bank of India (RBI) has issued the RBI (Call, notice, and term money markets) Directions, 2021. On a review based on representations received, the prudential borrowing limits for transactions in Call, Notice and Term Money Markets have been revised. 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The\u2026","rel":"","context":"In &quot;Hot Off The Press&quot;","block_context":{"text":"Hot Off The Press","link":"https:\/\/www.scconline.com\/blog\/post\/category\/news\/hot_off_the_press\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":275535,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/10\/14\/reserve-bank-of-india-unhedged-foreign-currency-exposure-directions-2022\/","url_meta":{"origin":254799,"position":4},"title":"Reserve Bank of India (Unhedged Foreign Currency Exposure) Directions, 2022","author":"Bhumika Indulia","date":"October 14, 2022","format":false,"excerpt":"The Reserve Bank of India (hereinafter called the Reserve Bank) issued Reserve Bank of India (Unhedged Foreign Currency Exposure) Directions, 2022. These Directions shall come into effect from 1-01-2023. The provisions of these Directions shall be applicable to all commercial banks excluding Payments Banks and Regional Rural Banks ('banks'). These\u2026","rel":"","context":"In &quot;Legislation Updates&quot;","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/08\/rbi_2.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":256212,"url":"https:\/\/www.scconline.com\/blog\/post\/2021\/10\/28\/reserve-bank-of-india-prudential-norms-on-capital-adequacy-for-local-area-banks-directions-2021\/","url_meta":{"origin":254799,"position":5},"title":"Reserve Bank of India (Prudential Norms on Capital Adequacy for Local Area Banks) Directions, 2021","author":"Editor","date":"October 28, 2021","format":false,"excerpt":"The Reserve Bank of India has issued the Reserve Bank of India (Prudential Norms on Capital Adequacy for Local Area Banks) Directions, 2021 on October 26, 2021. 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