CAIIB Elective Central Banking | Module F | NBFCs in Detail - Complete Explanation

CAIIB Elective – Central Banking Module F: NBFCs & Primary Dealers Topic: NBFCs in Detail Faculty: Mr. Pradeep Kulkarni, Retd. CM, UBI Topics covered in this session: 🔹 Definition of NBFCs: Legal Definition - Section 45-I(c) of RBI Act Examples - Bajaj Finserv, Power Finance Corporation, M&M Financial Services 🔹 Role and Functions: Financial Services - Lending, Hire-Purchase & Leasing Inclusive Growth - Credit to Underserved Sectors 🔹 RBI's Role: Certificate of Registration Requirement Minimum Net Owned Funds (NOF) 🔹 Asset Finance Companies: Financing Criteria and Business Models 🔹 Entities Not Registered with RBI: Insurance Companies (IRDA Regulated) Stock-Broking Companies (SEBI Regulated) 🔹 Regulatory Differences - Banks vs NBFCs: Licensing under BR Act vs RBI Act Deposit Acceptance Rules 🔹 Registration and Regulatory Structure (4-Layer Framework): NBFC-Base Layer (NBFC-BL) NBFC-Middle Layer (NBFC-ML) NBFC-Upper Layer (NBFC-UL) NBFC-Top Layer (NBFC-TL) 🔹 Base Layer Details: Non-deposit taking NBFCs below Rs. 1000 Crore NBFC-Peer to Peer Lending Platform (NBFC-P2P) NBFC-Account Aggregator (NBFC-AA) 🔹 Upper Layer & Top Layer: Top 50 NBFCs by Assets & CEOBE Parametric Scoring Methodology List of 16 Companies in NBFC-UL (LIC Housing Finance, Bajaj Finance, Tata Sons, Muthoot Finance & more) 🔹 Framework for Scale Based Regulation (SBR): NOF Requirements - NBFC-ICC, NBFC-MFI, NBFC-Factor Revised NPA Classification Timeline (2024-2026) 🔹 Regulatory Guidelines: Board Experience Requirements Ceiling on IPO Funding Internal Capital Adequacy Assessment Process (ICAAP) Common Equity Tier 1 Capital Norms for NBFC-UL 🔹 Prudential Guidelines: Large Exposure Limits - Single Borrower & Single Group Sensitive Sector Exposure (SSE) Concentration of Credit/Investment Norms 🔹 Additional Regulatory Guidelines: Disclosure Requirements for NBFC-UL Mandatory Listing Timeline (3 Years) PSL Lending Exemptions for NBFCs 📚 This video is part of the CAIIB Elective Central Banking series by Institute of Banking Studies (IBS), useful for candidates preparing for CAIIB, JAIIB, IIBF Certification Coaching, DRA, Promotion Exams and other Bank Exams. 📞 Call / WhatsApp: +91 94478 73644 / +91 75590 00081 🌐 Website: https://ibsbankcareer.in/ Hashtags : #caiib #caiibelective #centralbanking #nbfc #jaiib #iibf #iibfcertification #bankexams #ibs #promotionexam #bankingexams #caiib2026 #ibsbankcareer #bankingstudies #rbi