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Securitization
What is securitization in the context of Indian banking?
Securitization is the process of pooling illiquid financial assets (such as loans) and converting them into marketable securities (Pass Through Certificates or PTCs) that can be sold to investors.
What is the primary regulatory framework for securitization of standard assets by Indian banks?
RBI Master Direction on Securitization of Standard Assets, 2021.
Which RBI guidelines govern securitization of standard assets by banks in India?
RBI's Guidelines on Securitisation of Standard Assets (originally issued in 2006 and revised in 2012 and 2021) govern the securitization of standard assets by banks and NBFCs.
What is the minimum holding period for home loans before securitization under RBI guidelines?
12 months for home loans with original maturity above 24 months.
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