NABKISAN's Direct Assignment (DA)framework facilitates the acquisition of standard and high-quality loanportfolios from eligible RBI-regulated financial institutions through astructured bilateral arrangement. The framework is designed to supportNABKISAN's commitment to responsible credit expansion, strengthen financialinclusion, enhance last-mile credit delivery, and build a diversified retailand MSME loan portfolio.
Purpose: TThe Direct Assignment programenables NABKISAN to:
· Expand access to formalcredit across underserved and rural markets.
· Strengthen partnershipswith regulated lending institutions.
· Diversify and scale itsretail and MSME portfolio.
· Support financialinclusion through efficient capital deployment
Eligible Partners: NBFC-ICC, NBFC-MFI, and HFCs regulated by RBIAll partner institutions must beregulated by the Reserve Bank of India (RBI) and demonstrate:
· Sound financialperformance and capital adequacy
· Strong governance andrisk management practices
· Consistent portfolioquality and collection performance
· Established operationaland compliance frameworks
Eligible Asset Classes: NABKISAN may acquire loanportfolios across asset classes covered under its latest Board-approved LoanPolicy for Direct Assignment. The eligible asset categories are assessedperiodically in line with the Company's business strategy, risk appetite, andregulatory requirements.
Regulatory Compliance: All Direct Assignment transactionsundertaken by NABKISAN are structured in compliance with applicable RBIguidelines and regulatory frameworks governing loan transfers and assignments.The acquisition process includes comprehensive due diligence, portfolioevaluation, legal documentation, and ongoing monitoring to ensure transparency,asset quality, and regulatory compliance.
Our Approach: Through the Direct Assignmentframework, NABKISAN seeks to create long-term value by partnering with credibleoriginators, supporting financial inclusion initiatives, and enabling greatercredit access to individuals, households, and enterprises across India.
