New RBI Loan Guidelines in 2025, Will It Impact Your Borrowing?

Loan-to-Income (LTI) Ratio Cap

[{"selector":"#anim-5f453f03-f5e5-44ff-89e2-3c3d442e4111","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-09dcab8d-4464-4903-ab09-fbff9e378c16","keyframes":{"transform":["translate3d(0px, 336.55389%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-006751ca-e2d8-4527-b737-065b2bcbe06f","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8bc629e7-1c11-432c-9039-d66f8e70d5f3","keyframes":{"transform":["translate3d(0px, 180.26138%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Increased Risk-Based Capital Requirements

[{"selector":"#anim-b1dbe32c-1110-4f4c-88bc-cac8290709f1","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1dfaaa6f-aa07-4a97-8a9e-a44bc1b7636e","keyframes":{"transform":["translate3d(0px, 374.23505%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ed588998-9a31-4cf2-94ea-62c12f544289","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-68dfafda-5548-4ca8-8f5f-a98b177af110","keyframes":{"transform":["translate3d(0px, 161.80551%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Strict KYC and Income Verification

[{"selector":"#anim-f6749c21-23d2-4626-9929-634932c5cfe8","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fe124ad3-9f41-43a2-9a10-a6a623fc6907","keyframes":{"transform":["translate3d(0px, 374.23505%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b068ec17-fbdf-428a-a192-090c2481eda8","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e049f3b9-10aa-4cce-b1d0-ee0286cdb9e8","keyframes":{"transform":["translate3d(0px, 160.01982%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Credit Bureau Reporting and Monitoring

[{"selector":"#anim-7fe21a92-b2f6-4dfd-935c-f155f4890d0e","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b8ef81e9-0431-45ed-ae83-ce9b088c1e59","keyframes":{"transform":["translate3d(0px, 336.55389%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7044ffdc-2f0a-4347-99a2-ee5319128092","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4c72aa4e-57e7-4735-bb68-0be6dd538ca9","keyframes":{"transform":["translate3d(0px, 180.26138%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Cooling-Off Timeframe Between Loan Applications

[{"selector":"#anim-5f37e5ca-17a0-466f-96a6-c13a57a1b59e","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a28f4e4d-9156-46d8-b19c-1040b27ab688","keyframes":{"transform":["translate3d(0px, 181.43783%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ec70a8cd-cd92-4b4f-af13-eaf83a35e179","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5ba4dceb-64c0-49d9-bfb7-2e7484c7fe40","keyframes":{"transform":["translate3d(0px, 338.00314%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Regulating Digital Lending Platforms

[{"selector":"#anim-830592e9-acd8-4805-a9bd-601952c5783c","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-64177f0e-69dc-41f9-bf42-2be5a21f8b0c","keyframes":{"transform":["translate3d(0px, 435.10463%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-04092ec1-a6e7-4687-a63b-98e7955d19c5","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ff6f95f1-7152-465b-8279-c6dfe36b0363","keyframes":{"transform":["translate3d(0px, 197.51983%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Read Full Article