Pool Acquisition
Acquisition of eligible receivables/loan pools through Direct Assignment, in line with regulatory and internal policy guidelines.
Purpose
Facility purpose
Portfolio Diversification
Build a diversified and quality-assessed portfolio across focus segments through assignment transactions.
Priority Sector Focus
Support financing in agriculture/rural and other eligible sectors through compliant DA structures.
Eligibility
Who can apply / transact
- Originator institutions should meet NABKISAN’s eligibility and due diligence criteria.
- Assigned pool should comply with applicable RBI guidelines and transaction policy requirements.
- Underlying loans should satisfy agreed portfolio filters including asset quality and seasoning norms.
- Legal documentation, true sale structure, and enforceability conditions should be fulfilled.
- No adverse credit or compliance observations against originator beyond acceptable limits.
- Transaction to be approved as per internal sanction framework and delegated authority.
Terms
Structure, pricing & servicing
Structure
Direct Assignment transactions are structured as true-sale purchase of eligible receivables/loan pools, subject to regulatory and policy conditions.
Pricing & Fees
Pricing and transaction charges are determined as per NABKISAN’s prevailing policy, ALCO-linked benchmarks and risk assessment parameters.
Repayment / Collections
Cashflows arise from underlying borrower repayments in the assigned pool.
Servicing, reporting and reconciliation follow agreed servicing standards and transaction documents.