<\/span><\/h3>\n\n\n\nUnder a co-lending model, the bank and NBFC jointly provide funding, while the NBFC typically manages customer acquisition, servicing, and collections. <\/p>\n\n\n\n
<\/span>How does the Co-Lending model help the lender? <\/span><\/h3>\n\n\n\nThe model allows lenders to expand customer reach, improve capital efficiency, reduce funding costs, and increase loan disbursement volumes. <\/p>\n\n\n\n
<\/span>What is the difference between co-lending and co-origination? <\/span><\/h3>\n\n\n\nCo-lending generally follows RBI-prescribed frameworks and risk-sharing structures, while co-origination arrangements may allow more flexibility in funding participation and operational responsibilities. <\/p>\n\n\n\n
<\/span>Is FatakPay involved in co-lending? <\/span><\/h3>\n\n\n\nSpecific co-lending arrangements depend on FatakPay’s lending partnerships and product offerings. Borrowers should refer to the platform’s latest disclosures for details. <\/p>\n\n\n\n
<\/span>What is the RBI CLM framework for co-lending? <\/span><\/h3>\n\n\n\nThe RBI Co-Lending Model (CLM) framework, introduced in November 2020, provides guidelines for banks and NBFCs to jointly originate and fund loans while sharing risk. <\/p>\n\n\n\n
<\/span>What are the different types of co-lending models? <\/span><\/h3>\n\n\n\nCommon models include RBI CLM structures, co-origination partnerships, fintech-led co-lending arrangements, and sector-specific lending collaborations. <\/p>\n\n\n\n