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Co-lending AUM Nears Rs 1 Lakh Crore: How RBI Regulations Impact Personal Loan Growth

In a recent Crisil Ratings report, the co-lending model is set to achieve Rs 1 lakh crore in assets under management (AUM). However, upcoming RBI regulations could impact personal loan growth. Key changes include an increase in risk weights for unsecured consumer credit from 100% to 125%, likely slowing the expansion of personal loans. Industry experts predict a shift in co-lending portfolios, with more emphasis on MSME and home loans. To succeed, financial institutions must adapt to these evolving regulations and maintain a strong focus on asset quality for sustained growth.

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