🏦 Latest RBI Lending Guidelines 2025 – What Borrowers & Fintechs Must Know

Published by: Vizzve Financial | www.vizzve.com
Updated: May 2025
Estimated Read Time: 5 mins

---

📌 Introduction

In response to India’s booming digital lending sector, the Reserve Bank of India (RBI) introduced a new set of digital lending regulations and frameworks in 2025. 

These aim to promote transparency, borrower protection, and fintech accountability—all while boosting innovation through the Unified Lending Interface (ULI) and revised Priority Sector Lending (PSL) norms.

Let’s break down what these new guidelines mean for borrowers, NBFCs, and fintech aggregators like Vizzve Financial.

---

🔍 Key Changes in RBI Lending Guidelines – 2025

1. ✅ Introduction of Unified Lending Interface (ULI)

• A centralized platform (like UPI for payments) enabling real-time data sharing between lenders and borrowers.

• 
  

• Ensures instant loan approvals based on verified data from credit bureaus, GST returns, Aadhaar-linked income data, etc.

• 
  

• Fintech platforms like Vizzve can now plug into ULI to speed up disbursals and improve credit assessments.

• 
  

2. 📃 Stricter KYC and Consent Protocols

• Every borrower must give explicit digital consent before data is accessed.

• 
  

• Fintech apps must display all charges upfront – no hidden fees allowed.

• 
  

• Loan agreements must be digitally signed and accessible at all times.

• 
  

3. 💸 Cap on Interest Rates for Small Digital Loans

• Loans under ₹50,000 now fall under a new interest rate cap structure to prevent exploitation.

• 
  

• Vizzve Financial has already adapted by offering regulated low-interest micro loans to students and homemakers.

• 
  

4. 🧾 Mandatory Disclosure of Partner NBFCs & Banks

• Every platform must show the lending partner’s name, license, and terms at the time of application.

• 
  

• Vizzve displays its 20+ partner NBFCs and banks transparently on its website and app.

• 
  

5. 🧠 AI and Credit Score Monitoring

• RBI allows the use of AI models for creditworthiness but under strict audit and explainability norms.

• 
  

• Vizzve’s AI engine scores applicants based on alternate data (e.g., phone bills, rent payments) while remaining compliant.

• 
  

---

👨‍💻 How These Guidelines Help Borrowers

Benefits to Borrowers	Description
✅ Transparent Charges	All loan costs, processing fees, and GST must be declared upfront.
✅ Faster Approvals via ULI	Loans can be approved in minutes using linked data.
✅ Consent-Based Access	No misuse of personal data by shady apps.
✅ Interest Rate Cap	Safer borrowing for low-income groups and freelancers.

---

🤝 What Fintechs & NBFCs Must Do Now