{"id":356041,"date":"2025-08-08T10:30:03","date_gmt":"2025-08-08T05:00:03","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=356041"},"modified":"2025-08-08T10:48:37","modified_gmt":"2025-08-08T05:18:37","slug":"rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/","title":{"rendered":"Overview of RBI (Co-Lending Arrangements) Directions, 2025"},"content":{"rendered":"<div style=\"text-align: justify; line-height: 150%;\">\n<p style=\"margin-bottom: 3%;\">On 6-7-2025, the Reserve Bank of India (\u2018RBI\u2019) notified the \u2018<span style=\"font-weight: bold;\">RBI (Co-Lending Arrangements) Directions, 2025<\/span>\u2019, to establish a unified regulatory framework for <span style=\"font-weight: bold;\">banks and Non-Banking Financial Companies<\/span> (\u2018NBFCs\u2019) to jointly lend through structured co-lending arrangements. These Directions aim to enhance transparency, ensure prudent risk-sharing, and strengthen borrower protection in collaborative lending models. These <span style=\"font-weight: bold;\">Directions shall come into force from 1-1-2026<\/span>, or on any earlier date as determined by the Regulated Entities (\u2018REs\u2019) based on their internal policies.<\/p>\n<h3>Key highlights of Co-Lending Directions:<\/h3>\n<ol style=\"list-style-type: decimal;\">\n<li>Under the new framework, <span style=\"font-weight: bold;\">co-lending arrangements<\/span> (\u2018CLAs\u2019) will be governed through ex-ante agreements between an originating Regulated Entity (RE) and a partner RE. These agreements will define the joint funding of loans, secured or unsecured, in predetermined proportions, with clearly articulated terms for revenue sharing, risk allocation, and operational responsibilities.<\/li>\n<li>A CLA refers to a documented arrangement between an originating RE and a partner RE to jointly finance a portfolio of loans in agreed proportions. The agreement will be executed prior to loan disbursement and will be required to include provisions for revenue sharing, risk participation, and compliance with applicable regulatory norms.<\/li>\n<li>Lending services under CLA encompass customer acquisition, underwriting, pricing, servicing, monitoring, and recovery, which may be performed by the REs or their agents, subject to the <span style=\"font-weight: bold;\">RBI\u2019s Master Direction on Outsourcing of Financial Services<\/span>. All other terms used in the Directions carry the meanings assigned under applicable laws or commercial usage.<\/li>\n<li>The Directions apply to:\n<ul style=\"list-style-type: disc;\">\n<li>Commercial banks (excluding Small Finance Banks, Local Area Banks, and Regional Rural Banks)<\/li>\n<li>All-India Financial Institutions<\/li>\n<li>NBFCs, including Housing Finance Companies.<\/li>\n<\/ul>\n<\/li>\n<li>These Directions will not be applicable to loans sanctioned under multiple banking, consortium lending, or syndication.<\/li>\n<li>Digital lending arrangements will remain governed by the RBI\u2019s <span style=\"font-weight: bold;\">Digital Lending Directions, 2025<\/span>, but if digital platforms are used for co-lending, the CLA Directions also apply.<\/li>\n<li>Each <span style=\"font-weight: bold;\">RE will be required to retain at least 10% of every individual loan<\/span> on its own books, ensuring both entities maintain a financial stake in the exposure. Additionally, REs is required to update their credit policies to incorporate CLA-related provisions, including internal exposure limits, borrower segmentation strategies, partner due diligence protocols, and grievance redressal mechanisms.<\/li>\n<li>The CLA agreement will outline borrower selection criteria, product lines, operational areas, fee structures, segregation of responsibilities, timelines for information exchange, and customer protection protocols.<\/li>\n<li>The loan agreement signed with the borrower will clearly identify the single point of contact for customer service and disclose the roles and responsibilities of each RE. Any <span style=\"font-weight: bold;\">change in customer interface will be communicated<\/span> to the borrower in advance. Additionally, all relevant details should be disclosed in accordance with the RBI\u2019s Key Facts Statement (\u2018KFS\u2019) circular dated 15-4-2024.<\/li>\n<li>Under the Directions, borrowers will be charged a blended interest rate based on the weighted average of rates from each RE, with any changes promptly communicated. All fees will be included in the Annual Percentage Rate (\u2018APR\u2019) and disclosed in the KFS. Service fees will be required to follow objective criteria and exclude credit enhancement or default guarantees unless permitted.<\/li>\n<li>The partner RE needs to commit to its loan share upfront, with both REs recording their portions within <span style=\"font-weight: bold;\">15 days<\/span>. If not transferred, the loan remains with the originating RE and can only be transferred in accordance with RBI\u2019s loan transfer guidelines.<\/li>\n<li>Separate borrower accounts are required, and all transactions can go through an escrow account. The <span style=\"font-weight: bold;\">agreement will define fund allocation clearly<\/span>.<\/li>\n<li>Loans under CLA will be audited and supported by a business continuity plan. KYC norms apply, with the partner RE allowed to rely on the originating RE. Fair practices and grievance mechanisms should be upheld.<\/li>\n<li>Originating REs can offer a default loss guarantee (\u2018DLG\u2019) up to <span style=\"font-weight: bold;\">5% of outstanding loans<\/span>, subject to digital lending norms. Asset classification is borrower-level, if one RE flags a borrower as Special Mention Account or Non-Performing Asset, the other will do the same. Classification data will be shared promptly.<\/li>\n<li>Loan transfers require mutual consent and can follow RBI\u2019s transfer rules. Each RE will be required to report its share to Credit Information Companies (\u2018CICs\u2019) individually, as per the <span style=\"font-weight: bold;\"><a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0002942200\" target=\"_blank\" rel=\"noopener\">Credit Information Companies (Regulation) Act, 2005<\/a><\/span>.<\/li>\n<li>Disclosure norms are stringent, requiring REs to list all active CLA partners on their websites and include aggregate CLA data in their financial statements under \u2018Notes to Accounts.\u2019<\/li>\n<li>These disclosures will cover loan volumes, interest rates, fees, sectoral distribution, performance, and DLG details, reported quarterly or annually as applicable.<\/li>\n<li>With these Directions, RBI has repealed its earlier circular on co-lending to the priority sector dated <span style=\"font-weight: bold;\">5-11-2020<\/span>, and the existing arrangements remain valid until aligned with the new framework.<\/li>\n<li>By mandating clear contractual terms, transparent pricing, robust operational protocols, and borrower-centric disclosures, it foster responsible collaboration between financial institutions while safeguarding the interests of borrowers and maintaining systemic stability.<\/li>\n<li>Overall, the Directions aim to formalize co-lending, ensure transparency, and protect borrowers while strengthening collaboration between financial institutions.<\/li>\n<\/ol>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p style=\"font-style: italic;\">RBI Co-Lending Arrangements Directions 2025 establish a unified framework for joint lending by banks and NBFCs to improve transparency risk sharing and borrower protection.<\/p>\n","protected":false},"author":67525,"featured_media":356056,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4,1193],"tags":[9631,86864,86861,43680,86862,86865,37092,2611,86867,52115,2732,86863,86866],"class_list":["post-356041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislationupdates","category-notifications","tag-banks","tag-borrower-protection","tag-co-lending-arrangements","tag-financial-institutions","tag-joint-lending","tag-lending-guidelines","tag-nbfcs","tag-RBI","tag-rbi-directions-2025","tag-regulatory-framework","tag-Reserve_Bank_of_India","tag-risk-sharing","tag-structured-lending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>RBI&#039;s Co-Lending Directions 2025 Explained | SCC Times<\/title>\n<meta name=\"description\" content=\"Explore how RBI&#039;s co-lending directions empowers banks and NBFCs to deliver smarter, inclusive lending.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Overview of RBI (Co-Lending Arrangements) Directions, 2025\" \/>\n<meta property=\"og:description\" content=\"Explore how RBI&#039;s co-lending directions empowers banks and NBFCs to deliver smarter, inclusive lending.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/\" \/>\n<meta property=\"og:site_name\" content=\"SCC Times\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/scc.online\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-08T05:00:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-08T05:18:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/08\/RBIs-Co-Lending-Directions-2025.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"886\" \/>\n\t<meta property=\"og:image:height\" content=\"590\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Shubhi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Overview of RBI (Co-Lending Arrangements) Directions, 2025\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Shubhi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2025\\\/08\\\/08\\\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2025\\\/08\\\/08\\\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\\\/\"},\"author\":{\"name\":\"Shubhi\",\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/#\\\/schema\\\/person\\\/3e8a14a0016e76e01d69a7a3ca6164ac\"},\"headline\":\"Overview of RBI (Co-Lending Arrangements) Directions, 2025\",\"datePublished\":\"2025-08-08T05:00:03+00:00\",\"dateModified\":\"2025-08-08T05:18:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2025\\\/08\\\/08\\\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\\\/\"},\"wordCount\":819,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2025\\\/08\\\/08\\\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/RBIs-Co-Lending-Directions-2025.webp\",\"keywords\":[\"Banks\",\"Borrower Protection\",\"Co-Lending Arrangements\",\"Financial Institutions\",\"Joint Lending\",\"Lending Guidelines\",\"NBFCs\",\"RBI\",\"RBI Directions 2025\",\"Regulatory Framework\",\"Reserve Bank of India\",\"Risk Sharing\",\"Structured Lending\"],\"articleSection\":[\"Legislation Updates\",\"Notifications\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2025\\\/08\\\/08\\\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2025\\\/08\\\/08\\\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\\\/\",\"url\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2025\\\/08\\\/08\\\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\\\/\",\"name\":\"RBI's Co-Lending Directions 2025 Explained | SCC Times\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2025\\\/08\\\/08\\\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2025\\\/08\\\/08\\\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/RBIs-Co-Lending-Directions-2025.webp\",\"datePublished\":\"2025-08-08T05:00:03+00:00\",\"dateModified\":\"2025-08-08T05:18:37+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/#\\\/schema\\\/person\\\/3e8a14a0016e76e01d69a7a3ca6164ac\"},\"description\":\"Explore how RBI's co-lending directions empowers banks and NBFCs to deliver smarter, inclusive lending.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2025\\\/08\\\/08\\\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2025\\\/08\\\/08\\\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2025\\\/08\\\/08\\\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/RBIs-Co-Lending-Directions-2025.webp\",\"contentUrl\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/RBIs-Co-Lending-Directions-2025.webp\",\"width\":886,\"height\":590,\"caption\":\"RBI's Co-Lending Directions 2025\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/2025\\\/08\\\/08\\\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Overview of RBI (Co-Lending Arrangements) Directions, 2025\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/\",\"name\":\"SCC Times\",\"description\":\"Bringing you the Best Analytical Legal News\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/#\\\/schema\\\/person\\\/3e8a14a0016e76e01d69a7a3ca6164ac\",\"name\":\"Shubhi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0da7aaea2ff41a69b9926284cf9e1f24b3f53e830b045ed1d3f853355e3e5157?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0da7aaea2ff41a69b9926284cf9e1f24b3f53e830b045ed1d3f853355e3e5157?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0da7aaea2ff41a69b9926284cf9e1f24b3f53e830b045ed1d3f853355e3e5157?s=96&d=mm&r=g\",\"caption\":\"Shubhi\"},\"url\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/author\\\/shubhi\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"RBI's Co-Lending Directions 2025 Explained | SCC Times","description":"Explore how RBI's co-lending directions empowers banks and NBFCs to deliver smarter, inclusive lending.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/","og_locale":"en_US","og_type":"article","og_title":"Overview of RBI (Co-Lending Arrangements) Directions, 2025","og_description":"Explore how RBI's co-lending directions empowers banks and NBFCs to deliver smarter, inclusive lending.","og_url":"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/","og_site_name":"SCC Times","article_publisher":"https:\/\/www.facebook.com\/scc.online\/","article_published_time":"2025-08-08T05:00:03+00:00","article_modified_time":"2025-08-08T05:18:37+00:00","og_image":[{"width":886,"height":590,"url":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/08\/RBIs-Co-Lending-Directions-2025.jpg","type":"image\/jpeg"}],"author":"Shubhi","twitter_card":"summary_large_image","twitter_title":"Overview of RBI (Co-Lending Arrangements) Directions, 2025","twitter_misc":{"Written by":"Shubhi","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/#article","isPartOf":{"@id":"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/"},"author":{"name":"Shubhi","@id":"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/3e8a14a0016e76e01d69a7a3ca6164ac"},"headline":"Overview of RBI (Co-Lending Arrangements) Directions, 2025","datePublished":"2025-08-08T05:00:03+00:00","dateModified":"2025-08-08T05:18:37+00:00","mainEntityOfPage":{"@id":"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/"},"wordCount":819,"commentCount":0,"image":{"@id":"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/#primaryimage"},"thumbnailUrl":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/08\/RBIs-Co-Lending-Directions-2025.webp","keywords":["Banks","Borrower Protection","Co-Lending Arrangements","Financial Institutions","Joint Lending","Lending Guidelines","NBFCs","RBI","RBI Directions 2025","Regulatory Framework","Reserve Bank of India","Risk Sharing","Structured Lending"],"articleSection":["Legislation Updates","Notifications"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/","url":"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/","name":"RBI's Co-Lending Directions 2025 Explained | SCC Times","isPartOf":{"@id":"https:\/\/www.scconline.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/#primaryimage"},"image":{"@id":"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/#primaryimage"},"thumbnailUrl":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/08\/RBIs-Co-Lending-Directions-2025.webp","datePublished":"2025-08-08T05:00:03+00:00","dateModified":"2025-08-08T05:18:37+00:00","author":{"@id":"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/3e8a14a0016e76e01d69a7a3ca6164ac"},"description":"Explore how RBI's co-lending directions empowers banks and NBFCs to deliver smarter, inclusive lending.","breadcrumb":{"@id":"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/#primaryimage","url":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/08\/RBIs-Co-Lending-Directions-2025.webp","contentUrl":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/08\/RBIs-Co-Lending-Directions-2025.webp","width":886,"height":590,"caption":"RBI's Co-Lending Directions 2025"},{"@type":"BreadcrumbList","@id":"https:\/\/www.scconline.com\/blog\/post\/2025\/08\/08\/rbi-co-lending-directions-2025-joint-lending-framework-banks-nbfcs\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.scconline.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Overview of RBI (Co-Lending Arrangements) Directions, 2025"}]},{"@type":"WebSite","@id":"https:\/\/www.scconline.com\/blog\/#website","url":"https:\/\/www.scconline.com\/blog\/","name":"SCC Times","description":"Bringing you the Best Analytical Legal News","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.scconline.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/3e8a14a0016e76e01d69a7a3ca6164ac","name":"Shubhi","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/0da7aaea2ff41a69b9926284cf9e1f24b3f53e830b045ed1d3f853355e3e5157?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0da7aaea2ff41a69b9926284cf9e1f24b3f53e830b045ed1d3f853355e3e5157?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0da7aaea2ff41a69b9926284cf9e1f24b3f53e830b045ed1d3f853355e3e5157?s=96&d=mm&r=g","caption":"Shubhi"},"url":"https:\/\/www.scconline.com\/blog\/post\/author\/shubhi\/"}]}},"jetpack_featured_media_url":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/08\/RBIs-Co-Lending-Directions-2025.webp","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/356041","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/users\/67525"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=356041"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/356041\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media\/356056"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=356041"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=356041"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=356041"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}