The Digital Lending Directions, 2025 are applicable to

Q: Answer-The Digital Lending Directions, 2025 are applicable to which of the following entities?

Explanation The Directions clearly state that they apply to all digital lending activities undertaken by REs, namely Commercial Banks, Co-operative Banks Urban, State, and Central, NBFCs including Housing Finance Companies, and All-India Financial Institutions. LSPs and FinTechs are not independent REs they act only as agents of an RE.

which of the following entities?

A Only Scheduled Commercial Banks Correct Answer Incorrect Answer

B Only Non-Banking Financial Companies (NBFCs) Correct Answer Incorrect Answer

C Only Lending Service Providers (LSPs) Correct Answer Incorrect Answer

D Commercial Banks, Co-operative Banks, NBFCs (including HFCs), and All-India Financial Institutions Correct Answer Incorrect Answer

E Only FinTechs incorporated as private companies Correct Answer Incorrect Answer

Solution

Explanation: The Directions clearly state that they apply to all digital lending activities undertaken by REs, namely Commercial Banks, Co-operative Banks (Urban, State, and Central), NBFCs (including Housing Finance Companies), and All-India Financial Institutions. LSPs and FinTechs are not independent REs; they act only as agents of an RE.

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