NABKISAN's Direct Assignment (DA) framework facilitates the acquisition of standard and high-quality loan portfolios from eligible RBI-regulated financial institutions through a structured bilateral arrangement. The framework is designed to support NABKISAN's commitment to responsible credit expansion, strengthen financial inclusion, enhance last-mile credit delivery, and build a diversified retail and MSME loan portfolio.
Purpose: The Direct Assignment programenables NABKISAN to:
· Expand access to formal credit across underserved and rural markets.
· Strengthen partnerships with regulated lending institutions.
· Diversify and scale its retail and MSME portfolio.
· Support financial inclusion through efficient capital deployment
Eligible Partners: NBFC-ICC, NBFC-MFI, and HFCs regulated by RBI. All partner institutions must be regulated by the Reserve Bank of India (RBI) and demonstrate:
· Sound financial performance and capital adequacy
· Strong governance and risk management practices
· Consistent portfolio quality and collection performance
· Established operational and compliance frameworks
Eligible Asset Classes: NABKISAN may acquire loan portfolios across asset classes covered under its latest Board-approved Loan Policy for Direct Assignment. The eligible asset categories are assessed periodically in line with the Company's business strategy, risk appetite, and regulatory requirements.
Regulatory Compliance: All Direct Assignment transaction sundertaken by NABKISAN are structured in compliance with applicable RBI guidelines and regulatory frameworks governing loan transfers and assignments. The acquisition process includes comprehensive due diligence, portfolio evaluation, legal documentation, and ongoing monitoring to ensure transparency, asset quality, and regulatory compliance.
Our Approach: Through the Direct Assignment framework, NABKISAN seeks to create long-term value by partnering with credible originators, supporting financial inclusion initiatives, and enabling greater credit access to individuals, households, and enterprises across India.
