{"id":589612,"date":"2025-05-12T10:51:03","date_gmt":"2025-05-12T02:51:03","guid":{"rendered":"https:\/\/law.asia\/?p=589612"},"modified":"2025-06-05T16:21:44","modified_gmt":"2025-06-05T08:21:44","slug":"india-financial-regulatory-reforms-banking-debt","status":"publish","type":"post","link":"https:\/\/law.asia\/ko\/india-financial-regulatory-reforms-banking-debt\/","title":{"rendered":"\ubcc0\ud654\ud558\ub294 \uc778\ub3c4 \uae08\uc735 \ud504\ub808\uc784\uc6cc\ud06c\uc758 \uc8fc\uc694 \ub3d9\ud5a5"},"content":{"rendered":"\n\n\n

\ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \uc778\ub3c4\ub294 \uc740\ud589, \ucc44\uad8c \uc2dc\uc7a5, \ud574\uc678 \ud22c\uc790, \ub514\uc9c0\ud138 \uae08\uc735 \ubc0f \uc790\uc0b0 \ud68c\uc218 \ubd84\uc57c\uc5d0\uc11c \uae08\uc735 \uaddc\uc81c \ud658\uacbd\uc744 \uafb8\uc900\ud788 \uc7ac\ud3b8\ud574 \uc654\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \uc815\ucc45 \uac1c\ud601, \uac10\ub3c5 \uac15\ud654 \ubc0f \uc0ac\ubc95\uc801 \ud574\uc11d\uc5d0 \uc758\ud574 \uc8fc\ub3c4\ub418\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\uc758 \uc0c1\ub2f9\uc218\ub294 \uad6c\uc870\uc801\uc774\uba70 \ud604\uc7ac\ub3c4 \uc9c4\ud589 \uc911\uc73c\ub85c, \uc778\ub3c4\uc758 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc774 \ub354\uc6b1 \uc815\uad50\ud558\uace0 \uacf5\uc2dc \uc911\uc2ec\uc801\uc73c\ub85c \uc804\ud658\ud558\uace0 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc900\ub2e4. \ubcf8 \uae30\uace0\ubb38\uc5d0\uc11c\ub294 \ucd5c\uadfc \uba87 \ub144\uac04 \uc778\ub3c4 \uae08\uc735 \uc0dd\ud0dc\uacc4\uc758 \uc8fc\uc694 \ubd80\ubb38\uc5d0\uc11c \ub098\ud0c0\ub09c \uac00\uc7a5 \uc911\uc694\ud55c \ubc95\ub960 \ubc0f \uaddc\uc81c \ubc1c\uc804 \uc0ac\ud56d\uc744 \uc0b4\ud3b4\ubcfc \uc608\uc815\uc774\ub2e4.<\/p>\n

\ucc44\uad8c \ubd84\uc57c\uc758 FPI<\/span><\/strong><\/h2>\n $\"Hardeep$
Hardeep SACHDEVA<\/strong>
\uc2dc\ub2c8\uc5b4 \ud30c\ud2b8\ub108 \ubcc0\ud638\uc0ac
AZB & Partners
\uc804\ud654: +91 9810065311
\uc774\uba54\uc77c: hardeep.sachdeva@ azbpartners.com <\/a><\/figcaption><\/figure>\n
\uc678\uad6d\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ud22c\uc790(FPI)\ub294 \ub4f1\ub85d\ub41c \ube44\uac70\uc8fc \uae30\uad00\uc774 \uc778\ub3c4\uc758 \uc790\ubcf8\uc2dc\uc7a5 \uc0c1\ud488, \uc989 \uad6d\ucc44 \ubc0f \ud68c\uc0ac\ucc44(\uc0c1\uc7a5 \ubc0f \ube44\uc0c1\uc7a5 \ubaa8\ub450 \ud3ec\ud568)\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\ub3c4\ub85d \ud5c8\uc6a9\ud55c\ub2e4. FPI\uc758 \ucc44\uad8c \ud22c\uc790\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uc778\ub3c4 \uc911\uc559\uc740\ud589(RBI)\uacfc \uc778\ub3c4\uc99d\uad8c\uac70\ub798\uc704\uc6d0\ud68c(SEBI)\uac00 \uaddc\uc81c\ud558\ub294 \ub450 \uac00\uc9c0 \uc8fc\uc694 \uacbd\ub85c\ub97c \ud1b5\ud574 \uc774\ub904\uc9c4\ub2e4.<\/p>\n
(1) \uc77c\ubc18 \uacbd\ub85c<\/strong>.\uc774 \uacbd\ub85c\uc5d0\uc11c\ub294 FPI \ud22c\uc790\uac00 \ud2b9\uc815 \uaddc\uc81c \uc870\uac74\uacfc \uac10\ub3c5\uc744 \ubc1b\ub294\ub2e4. \uc8fc\uc694 \uc870\uac74\uc73c\ub85c\ub294 \ucd5c\uc18c \uc794\uc874 \ub9cc\uae30 \uc694\uac74(\uc77c\ubc18\uc801\uc73c\ub85c \ube44\uc0c1\uc7a5 \ud68c\uc0ac\ucc44\uc758 \uacbd\uc6b0 1\ub144 \uc774\uc0c1), \uac1c\ubcc4 \ubc1c\ud589\ubb3c\ubcc4 \ud55c\ub3c4(\uc77c\ubc18\uc801\uc73c\ub85c \ub2e8\uc77c \ud68c\uc0ac\ucc44 \ubc1c\ud589\uc758 50%\ub85c \ud22c\uc790 \ud55c\ub3c4 \uc124\uc815), \uadf8\ub9ac\uace0 FPI \uc720\ud615\uc5d0 \ub530\ub978 \uc9d1\uc911\ub3c4 \ud55c\ub3c4\uac00 \uc788\ub2e4. \ub610\ud55c \uc774 \uacbd\ub85c\ub97c \ud1b5\ud55c \ub2e4\uc591\ud55c \ucc44\uad8c \ubc94\uc8fc\uc5d0 \uc801\uc6a9\ub418\ub294 \uc804\uccb4 \ud22c\uc790 \ud55c\ub3c4\ub294 \uaddc\uc81c \ub2f9\uad6d\uc5d0 \uc758\ud574 \uc8fc\uae30\uc801\uc73c\ub85c \uac80\ud1a0 \ubc0f \uc0c1\ud5a5 \uc870\uc815\ub41c\ub2e4\ub294 \uc810\ub3c4 \uc8fc\ubaa9\ud560 \ub9cc\ud558\ub2e4.<\/p>\n
(2) \uc790\ubc1c\uc801 \ubcf4\uc720 \uacbd\ub85c(VRR)<\/strong>.VRR\uc740 \ub300\uc548\uc801 \uacbd\ub85c\ub85c\uc11c, \uc77c\ubc18 \uacbd\ub85c\uc758 \uc77c\ubd80 \uc870\uac74, \ud2b9\ud788 \ube44\uc0c1\uc7a5 \ucc44\uad8c\uc5d0 \ub300\ud55c \ucd5c\uc18c \uc794\uc874 \ub9cc\uae30 \uc694\uac74\uacfc \uac1c\ubcc4 \ubc1c\ud589\ubb3c\ubcc4 \ud55c\ub3c4 \ubc0f \uc9d1\uc911\ub3c4 \ud55c\ub3c4\uc5d0\uc11c FPI\uc5d0 \uc608\uc678\ub97c \uc81c\uacf5\ud55c\ub2e4. \uc774\ub7ec\ud55c \uc720\uc5f0\uc131 \ub355\ubd84\uc5d0 FPI\ub294 \uc7a0\uc7ac\uc801\uc73c\ub85c \ub354 \ud070 \uc9c0\ubd84\uc744 \ubcf4\uc720\ud558\uac70\ub098 \uc794\uc874 \ub9cc\uae30\uac00 \uc9e7\uc740 \uc0c1\ud488\uc5d0 \ucc38\uc5ec\ud560 \uc218 \uc788\ub2e4. \ub300\uc2e0, VRR\uc744 \uc774\uc6a9\ud558\ub294 FPI\ub294 \ubc30\uc815\ubc1b\uc740 \ud22c\uc790\uae08\uc758 \ucd5c\uc18c \ube44\uc728(\ud604\uc7ac 75%)\uc744 \uc815\ud574\uc9c4 \ucd5c\uc18c \uae30\uac04(\uc77c\ubc18\uc801\uc73c\ub85c 3\ub144) \ub3d9\uc548 \uc778\ub3c4\uc5d0 \uc720\uc9c0\ud560 \uac83\uc744 \uc57d\uc815\ud574\uc57c \ud55c\ub2e4. \ub610\ud55c VRR\uc744 \ud1b5\ud55c \ud22c\uc790 \ud55c\ub3c4 \ubc30\uc815\uc740 RBI\uc758 \uacb0\uc815\uc5d0 \ub530\ub77c \uacbd\ub9e4 \ub610\ub294 \uc628\ud0ed \ubc29\uc2dd\uc73c\ub85c \uc774\ub904\uc9c4\ub2e4\ub294 \uc810\ub3c4 \uc911\uc694\ud558\ub2e4.<\/p>\n
\ud55c\ud3b8, SEBI\ub294 FPI \uac10\ub3c5\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uac1c\uc120\ud558\uace0 \uc788\uc73c\uba70, \ucd5c\uadfc \ud2b9\uc815 \uace0\uc561 \uae30\uc900\uc744 \ucda9\uc871\ud558\ub294 FPI(\uc8fc\uc2dd \uc6b4\uc6a9\uc790\uc0b0(AUM)\uc774 5000\uc5b5 \ub8e8\ud53c(\uc57d 59\uc5b5 \ub2ec\ub7ec) \uc774\uc0c1\uc774\uac70\ub098 \ub2e8\uc77c \uae30\uc5c5 \uadf8\ub8f9\uc5d0 \ub300\ud55c \uc8fc\uc2dd AUM \uc9d1\uc911\ub3c4\uac00 50%\ub97c \ucd08\uacfc\ud558\ub294 \uacbd\uc6b0)\uc5d0 \ub300\ud574 \uac15\ud654\ub41c \uc2e4\uc9c8 \uc18c\uc720\uad8c \uacf5\uc2dc \uc694\uac74\uc744 \ud1b5\ubcf4\ud55c \ubc14 \uc788\ub2e4.<\/p>\n
ECBs<\/span><\/strong><\/h2>\n $\"Priyamvada$
Priyamvada SHENOY<\/strong>
\uc2dc\ub2c8\uc5b4 \ud30c\ud2b8\ub108 \ubcc0\ud638\uc0ac
AZB & Partners
\uc804\ud654: +91 9717000278
\uc774\uba54\uc77c: priyamvada.shenoy@azbpartners.com <\/a><\/figcaption><\/figure>\n
\uc678\ubd80\uc0c1\uc5c5\ucc28\uc785(ECBs)\uc740 \uc778\uc815\ub41c \ube44\uac70\uc8fc \ub300\ucd9c\uae30\uad00\uc73c\ub85c\ubd80\ud130 \uc801\uaca9 \uac70\uc8fc \uae30\uad00\uc774 \uc870\ub2ec\ud558\ub294 \ub300\ucd9c\uc744 \ub9d0\ud55c\ub2e4. \uc81c\ub3c4\ub97c \ud1b5\ud569\ud558\uace0 \uac04\uc18c\ud654\ud558\uae30 \uc704\ud574 RBI\ub294 2023\ub144 12\uc6d4\uc5d0 \ud3ec\uad04\uc801\uc778 \ub9c8\uc2a4\ud130 \uc9c0\uce68\uc744 \ubc1c\ud45c\ud588\ub2e4. \uc8fc\uc694 \ud2b9\uc9d5\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4:<\/p>\n
\n
\n
\n
(1) \ud569\ub9ac\ud654\ub41c \ud504\ub808\uc784\uc6cc\ud06c<\/strong>. \ucc28\uc785 \ubc94\uc8fc\uc640 \uc808\ucc28\uc801 \uacbd\ub85c(\uc790\ub3d9 \uc2b9\uc778 \ubc0f \uc0ac\uc804 \uc2b9\uc778 \ubc29\uc2dd)\uac00 \uba85\ud655\ud55c \uc815\uc758\uc640 \uc9c0\uce68\uacfc \ud568\uaed8 \uac04\uc18c\ud654\ub410\ub2e4.<\/li>\n
(2) \ucd5c\uc885 \uc0ac\uc6a9 \ubaa9\uc801 \ubc0f \ube44\uc6a9 \ud55c\ub3c4<\/strong>. ECB\uc758 \ucd5c\uc885 \uc0ac\uc6a9 \ubaa9\uc801(\uba85\ud655\ud558\uac8c \uaddc\uc815\ub41c \uae08\uc9c0 \ubaa9\ub85d \ud3ec\ud568)\uc5d0 \ub300\ud55c \ubaa8\ub2c8\ud130\ub9c1\uacfc \uc2dc\uc7a5 \uc5f0\ub3d9\ud615 \ucd1d\ube44\uc6a9 \ud55c\ub3c4\uc5d0 \ub300\ud55c \uc9c0\uc18d\uc801\uc778 \uac15\uc870\ub97c \ud1b5\ud574 \uc790\ubcf8 \ud1b5\uc81c\ub97c \ubcf4\uc7a5\ud55c\ub2e4.<\/li>\n
(3) \uac1c\uc815\ub41c \ud55c\ub3c4<\/strong>. \ubaa8\ub4e0 \uc801\uaca9 \ucc28\uc785\uc790\uc5d0 \ub300\ud574 \uc790\ub3d9 \uc2b9\uc778 \ubc29\uc2dd\uc758 \ud55c\ub3c4\uac00 \uc5f0\uac04 7\uc5b5 5000\ub9cc \ub2ec\ub7ec\ub85c \ud45c\uc900\ud654\ub418\uc5b4, \uae30\uc874\uc758 \uc5c5\uc885\ubcc4 \ud55c\ub3c4\uc640 \ubd84\uc0b0\ub41c \ud55c\ub3c4\ub97c \ub300\uccb4\ud568\uc73c\ub85c\uc368 \ucc28\uc785\uc790\uc640 \ub300\ucd9c\uc790 \ubaa8\ub450\uc5d0\uac8c \ub354 \ud070 \uba85\ud655\uc131\uc744 \uc81c\uacf5\ud55c\ub2e4.<\/li>\n
(4) \uad6c\uc870\ud654\ub41c \ucc44\ubb34\uc5d0 \ub300\ud55c \uc900\uc218<\/strong>. \ud2b9\ud788 \uc678\uad6d \ud68c\uc0ac \ubc0f \uae30\uad00\uc774 \uc778\ub3c4 \ub0b4 \uc790\ud68c\uc0ac \ub610\ub294 \uadf8\ub8f9\uc0ac\uc758 \ub8e8\ud53c \ucc28\uc785\uc5d0 \ub300\ud574 \ubcf4\uc99d\uc774\ub098 \ub2f4\ubcf4\ub97c \uc81c\uacf5\ud558\ub294 \uacbd\uc6b0, \uad6c\uc870\ud654\ub41c \ucc44\ubb34\uc5d0 \ub300\ud55c \uc900\uc218 \uc808\ucc28\uac00 \uac04\uc18c\ud654\ub410\ub2e4.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n
\ucc44\ubb34 \uc99d\uad8c<\/strong><\/span><\/h2>\n
\uc778\ub3c4\uc758 \uae30\uc5c5 \ucc44\uad8c \uc2dc\uc7a5, \ud2b9\ud788 \ube44\uc804\ud658\uc0ac\ucc44(NCDs) \ubd80\ubb38\uc5d0\uc11c\ub294 \ud22c\uba85\uc131 \uc81c\uace0, \uacf5\uc2dc \ud45c\uc900\ud654 \ubc0f \uc911\uac1c\uae30\uad00 \uc5ed\ud560 \uac15\ud654\uc5d0 \uc911\uc810\uc744 \ub454 \uac1c\ud601\uc774 \uc774\ub904\uc84c\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 SEBI\uc640 \uae30\uc5c5\ubd80\uac00 \uc8fc\ub3c4\ud588\ub2e4.<\/p>\n
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\n
(1) \uc758\ubb34\uc801 \uc804\uc790\uc99d\uad8c\ud654<\/strong>. \uc778\ub3c4 \uae30\uc5c5\uc774 \ubc1c\ud589\ud558\ub294 NCD\ub97c \ud3ec\ud568\ud55c \ubaa8\ub4e0 \uc99d\uad8c\uc740 \uc804\uc790\uc99d\uad8c \ud615\ud0dc\ub85c \ubc1c\ud589\ud574\uc57c \ud55c\ub2e4\ub294 \uac15\ub825\ud55c \ub514\uc9c0\ud138\ud654 \uc815\ucc45\uc774 \uc2dc\ud589\ub418\uace0 \uc788\ub2e4.<\/li>\n
(2) \ud45c\uc900\ud654\ub41c \ubc1c\ud589 \ubb38\uc11c<\/strong>. SEBI\ub294 \uc0c1\uc7a5 \ucc44\ubb34\uc99d\uad8c \ubc1c\ud589 \uc2dc \uc758\ubb34\uc801\uc73c\ub85c \uc77c\ubc18 \uc815\ubcf4 \ubb38\uc11c\uc640 \uc8fc\uc694 \uc815\ubcf4 \ubb38\uc11c \uc591\uc2dd\uc744 \ub3c4\uc785\ud558\uc5ec, \ub2e4\uc591\ud55c \uacf5\uc2dc \uad00\ud589\uc744 \ub300\uccb4\ud558\uace0 \ud22c\uc790\uc790\ub4e4\uc774 \uc77c\uad00\ub41c \ud544\uc218 \uc815\ubcf4\ub97c \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ud588\ub2e4.<\/li>\n
(3) \uac15\ud654\ub41c \uc0ac\ucc44 \uc2e0\ud0c1\uad00\ub9ac\uc778(DT) \uc5ed\ud560. \uc0ac\ucc44 \uc2e0\ud0c1\uad00\ub9ac\uc778\uc758 \uc758\ubb34\uac00 \ub300\ud3ed \uac15\ud654\ub410\ub2e4. \uc774\uc81c \uc774\ub4e4\uc740 \ubc1c\ud589 \uc804 \uc2e4\uc0ac, \uc790\uc0b0 \ub2f4\ubcf4 \ubc0f \ubc1c\ud589\uc778 \uc57d\uc815\uc758 \uc815\uae30\uc801 \ubaa8\ub2c8\ud130\ub9c1, \uadf8\ub9ac\uace0 \ucc44\ubb34\ubd88\uc774\ud589 \ub610\ub294 \uc704\ubc18 \uc0ac\ud56d\uc758 \uc2e0\uc18d\ud55c \ubcf4\uace0\uc5d0 \ub300\ud55c \uba85\ud655\ud55c \ucc45\uc784\uc744 \uc9c0\uba70, \uadf8 \uc5ed\ud560\uc774 \uc801\uadf9\uc801\uc778 \ud22c\uc790\uc790 \ubcf4\ud638\ub85c \uc804\ud658\ub418\uace0 \uc788\ub2e4.<\/li>\n
(4) \uc2dc\uc7a5 \uc548\uc815\ud654 \uba54\ucee4\ub2c8\uc998<\/strong>. 2023\ub144\ubd80\ud130 \uc6b4\uc601 \uc911\uc778 \uae30\uc5c5\ucc44\uad8c\uc2dc\uc7a5\ubc1c\uc804\uae30\uae08\uc740 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc73c\ub85c \uc778\ud574 \uc0c1\ud658 \uc555\ub825\uc744 \ubc1b\ub294 \ud2b9\uc815 \ubba4\ucd94\uc5bc\ud380\ub4dc\uc5d0 \uc720\ub3d9\uc131 \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud558\ub294 \uc548\uc804\uc7a5\uce58 \uc5ed\ud560\uc744 \ud558\uba70, \uc774\ub97c \ud1b5\ud574 2\ucc28 \ucc44\uad8c\uc2dc\uc7a5\uc5d0\uc11c\uc758 \uc5f0\uc1c4\uc801\uc778 \uc704\ud5d8 \ud655\uc0b0\uc744 \ubc29\uc9c0\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud558\uace0 \uc788\ub2e4.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n
\uc790\uc0b0 \uc7ac\uad6c\uc131 \ud68c\uc0ac<\/span><\/strong><\/h2>\n
$\"Gaurav$
Gaurav PRIYADARSHI<\/strong>
\ud30c\ud2b8\ub108 \ubcc0\ud638\uc0ac
AZB & Partners
\uc804\ud654: +91 9999871303
\uc774\uba54\uc77c: gaurav.priyadarshi@azbpartners.com <\/a><\/figcaption><\/figure>\n
\uc790\uc0b0 \uc7ac\uad6c\uc131 \ud68c\uc0ac(ARC)\ub294 \uc740\ud589 \ubc0f \uae08\uc735\uae30\uad00\uc73c\ub85c\ubd80\ud130 \ubd80\uc2e4\uc790\uc0b0\uc744 \uc778\uc218\ud558\uc5ec \ubb38\uc81c \uc790\uc0b0\uc744 \ud574\uacb0\ud558\ub294 \uc5ed\ud560\uc744 \ud55c\ub2e4. \uc804\ud1b5\uc801\uc73c\ub85c 2002\ub144 \uc81c\uc815\ub41c \uae08\uc735\uc790\uc0b0 \uc720\ub3d9\ud654, \uc7ac\uad6c\uc131 \ubc0f \ub2f4\ubcf4\uad8c \uc9d1\ud589\uc5d0 \uad00\ud55c \ubc95\ub960\uc5d0 \ub530\ub77c \uaddc\uc728\ub418\uc5b4 \uc654\uc73c\uba70, 2022\ub144 \ub9d0 RBI\uac00 \uadf8 \ubc94\uc704\uc640 \uac10\ub3c5 \uccb4\uacc4\ub97c \uc7ac\uac80\ud1a0\ud558\uace0, ARC\uc758 \ud6a8\uc728\uc131\uacfc \uc9c0\ubc30\uad6c\uc870 \uac15\ud654\ub97c \uc704\ud55c \uac1c\uc815 \uc9c0\uce68\uc744 \ubc1c\ud45c\ud588\ub2e4. \uc8fc\uc694 \uc5c5\ub370\uc774\ud2b8 \ub0b4\uc6a9\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4:<\/p>\n
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(1) \ucd5c\uc18c \uc790\uae30\uc790\ubcf8\uae08(NOF) 100\uc5b5 \ub8e8\ud53c \uc774\uc0c1\uc744 \ubcf4\uc720\ud55c ARC\ub294 \uc774\uc81c 2016\ub144 \ub3c4\uc0b0 \ubc0f \ud30c\uc0b0\ubc95(IBC)\uc5d0 \ub530\ub77c \ud68c\uc0dd \uc2e0\uccad\uc778\uc73c\ub85c \ud65c\ub3d9\ud560 \uc218 \uc788\uac8c \ub410\uc73c\uba70, \uae30\uc5c5 \ub3c4\uc0b0 \uc808\ucc28\uc5d0 \ubcf4\ub2e4 \uc9c1\uc811\uc801\uc73c\ub85c \ucc38\uc5ec\ud560 \uc218 \uc788\ub2e4.<\/li>\n
(2) \uc774\uc0ac\ud68c \uad6c\uc131, \uc704\uc6d0\ud68c, \uc8fc\uc694 \uacbd\uc601\uc9c4\uc744 \ud3ec\ud568\ud558\ub294 \ud3ec\uad04\uc801\uc778 \uae30\uc5c5 \uc9c0\ubc30\uad6c\uc870 \ud504\ub808\uc784\uc6cc\ud06c\uac00 \ub3c4\uc785\ub410\ub2e4. \ucd5c\uc18c NOF \uc694\uac74\uc740 2026\ub144 3\uc6d4 31\uc77c\uae4c\uc9c0 \ub2e8\uacc4\uc801\uc73c\ub85c 30\uc5b5 \ub8e8\ud53c\ub85c \uc0c1\ud5a5 \uc870\uc815\ub418\uba70, \uc774\ub294 \ub300\ud615 ARC\uac00 \ube44\uc740\ud589 \uae08\uc735\ud68c\uc0ac(NBFC)\uc5d0 \uc801\uc6a9\ud558\ub294 \uaddc\ubaa8 \uae30\ubc18 \uaddc\uc81c\uc640 \uc77c\uce58\ud558\ub3c4\ub85d \ud55c \uc870\uce58\ub2e4.<\/li>\n
(3) \uc0c8\ub85c\uc6b4 \uacf5\uc2dc \uae30\uc900\uc5d0 \ub530\ub77c \ud68c\uc218 \uc2e4\uc801, \ubcf4\uc804\uad8c\uc99d\uc11c(SR) \ud3c9\uac00 \ubc29\ubc95\ub860, \ud68c\uc218 \ub4f1\uae09 \ubc0f \uc6b4\uc6a9 \uc218\uc218\ub8cc \uad6c\uc870\uc5d0 \ub300\ud55c \uc0c1\uc138\ud55c \ubcf4\uace0\uac00 \uc758\ubb34\ud654\ub418\uc5b4, SR \ud22c\uc790\uc790\uc5d0 \ub300\ud55c \ud22c\uba85\uc131\uc774 \ud5a5\uc0c1\ub410\ub2e4.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n
NBFCs<\/span><\/strong><\/h2>\n
\ube44\uc740\ud589 \uae08\uc735\ud68c\uc0ac\ub294 \uc778\ub3c4 \uae08\uc735 \ud658\uacbd\uc5d0\uc11c \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ub2f4\ub2f9\ud558\uace0 \uc788\ub2e4. \uc774\ub4e4\uc758 \uc2dc\uc2a4\ud15c\uc801 \uc911\uc694\uc131\uc774 \ucee4\uc9d0\uc5d0 \ub530\ub77c, RBI\ub294 2022\ub144 10\uc6d4 \uaddc\ubaa8, \ud65c\ub3d9 \ubc0f \uc704\ud5d8\uc5d0 \ub530\ub77c \uacc4\uce35\ud654\ub41c \uac10\ub3c5\uc744 \ub3c4\uc785\ud558\ub294 \uaddc\ubaa8 \uae30\ubc18 \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c\ub97c \ub3c4\uc785\ud588\uc73c\uba70, \uae30\uc874\uc758 \uc77c\ub960\uc801 \uac10\ub3c5 \ubc29\uc2dd\uc5d0\uc11c \ubc97\uc5b4\ub0ac\ub2e4. \uc774 \uac1c\uc815\ub41c \uccb4\uacc4\uc5d0 \ub530\ub974\uba74:<\/p>\n
(1) NBFC\ub294 \ub124 \uac1c\uc758 \uacc4\uce35\uc73c\ub85c \ubd84\ub958\ub41c\ub2e4:<\/p>\n
\n
\n
\n
\n
\n
(a) \uae30\ubcf8 \uacc4\uce35<\/li>\n
(b) \uc911\uac04 \uacc4\uce35<\/li>\n
(c) \uc0c1\uc704 \uacc4\uce35<\/li>\n
(d) \ucd5c\uc0c1\uc704 \uacc4\uce35. \ud604\uc7ac \ucd5c\uc0c1\uc704 \uacc4\uce35\uc740 \ube44\uc5b4 \uc788\uc73c\uba70, RBI\uac00 \uc0c1\uc704 \uacc4\uce35\uc5d0 \uc18d\ud55c \ud2b9\uc815 NBFC\uc5d0\uc11c \uc7a0\uc7ac\uc801 \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\uac00 \ud06c\uac8c \uc99d\uac00\ud588\ub2e4\uace0 \ud310\ub2e8\ud560 \uacbd\uc6b0\uc5d0\ub9cc \ucd5c\uc0c1\uc704 \uacc4\uce35\uc774 \ucc44\uc6cc\uc9c4\ub2e4.<\/li>\n
<\/li>\n<\/ol>\n<\/li>\n
(2) \uc911\uac04 \uacc4\uce35 \ubc0f \uc0c1\uc704 \uacc4\uce35\uc5d0 \uc18d\ud55c NBFC\ub294 \uc774\uc81c \uc740\ud589\uacfc \ub354\uc6b1 \uc720\uc0ac\ud558\uac8c \ubcf4\ub2e4 \uc5c4\uaca9\ud55c \uac74\uc804\uc131 \uae30\uc900, \uc9c0\ubc30\uad6c\uc870 \uc694\uac74 \ubc0f \uc775\uc2a4\ud3ec\uc800 \ud55c\ub3c4 \uc801\uc6a9\uc744 \ubc1b\uac8c \ub41c\ub2e4.<\/li>\n
(3) \uc8fc\ud0dd\uae08\uc735\ud68c\uc0ac, \uc778\ud504\ub77c NBFC \ubc0f \ud575\uc2ec \ud22c\uc790\ud68c\uc0ac\uc758 \uacf5\uc2dc \ubc0f \uc790\ubcf8\uc801\uc815\uc131 \uc758\ubb34\uac00 \uac15\ud654\ub410\ub2e4.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n
\ub514\uc9c0\ud138 \ub300\ucd9c<\/span><\/strong><\/h2>\n
\ub514\uc9c0\ud138 \ub300\ucd9c \uc571\uacfc \ud50c\ub7ab\ud3fc\uc758 \uae09\uc18d\ud55c \ud655\uc0b0\uc73c\ub85c \uc778\ud574 \ubd88\uacf5\uc815 \uad00\ud589\uc744 \uc5b5\uc81c\ud558\uace0 \uc18c\ube44\uc790\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud55c \uaddc\uc81c \uac1c\uc785\uc774 \ud544\uc694\ud574\uc84c\ub2e4. \uc774\uc5d0 \ub530\ub77c RBI\ub294 2022\ub144\uc5d0 \ub514\uc9c0\ud138 \ub300\ucd9c\uc5d0 \uad00\ud55c \uac00\uc774\ub4dc\ub77c\uc778\uc744 \ubc1c\ud45c\ud588\uace0, 2023\ub144 6\uc6d4\uc5d0\ub294 \ucd5c\ucd08\uc190\uc2e4\ubcf4\uc7a5(FLDG) \uad6c\uc870\uc758 \uc9c0\uc704\uc5d0 \ub300\ud574 \ucd94\uac00\ub85c \uba85\ud655\ud788 \ud588\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc18c\ub9e4 \ubc0f \uc911\uc18c\uae30\uc5c5(SME) \ub300\ucd9c \ubd84\uc57c\uc5d0\uc11c \uaddc\uc81c\ub41c \uacf5\ub3d9\ub300\ucd9c \ubc0f \uc2e0\uc6a9\ubcf4\uac15 \ubaa8\ub378\uc774 \ub2e4\uc2dc \ud65c\uc131\ud654\ub420 \uc218 \uc788\uc5c8\ub2e4. \ud604\uc7ac\uc758 \uc6b4\uc601 \ud504\ub808\uc784\uc6cc\ud06c\ub294 \ub2e4\uc74c\uacfc \uac19\ub2e4:<\/p>\n
\n
\n
\n
(1) \ubaa8\ub4e0 \ub300\ucd9c \uc9d1\ud589 \ubc0f \uc0c1\ud658\uc740 \ubc18\ub4dc\uc2dc \ucc28\uc785\uc790\uc640 \uaddc\uc81c \ub300\uc0c1 \uae30\uad00 \uac04\uc5d0 \uc9c1\uc811 \uc774\ub904\uc838\uc57c \ud558\uba70, \ub300\ucd9c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\ub294 \ub354 \uc774\uc0c1 \ud480 \uacc4\uc88c\ub97c \uc6b4\uc601\ud560 \uc218 \uc5c6\ub2e4.<\/li>\n
(2) \uc5f0\uac04 \ud658\uc0b0 \uc774\uc790\uc728, \uc218\uc218\ub8cc \ubc0f \ud68c\uc218 \uc815\ucc45\uc744 \uacf5\uac1c\ud558\ub294 \uc8fc\uc694 \uc0ac\uc2e4 \uba85\uc138\uc11c\uac00 \ud544\uc218\uc801\uc774\ub2e4.<\/li>\n
(3) FLDG \uc57d\uc815\uc740 \uc774\uc81c \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ucee4\ubc84\ub9ac\uc9c0\uc758 5% \ud55c\ub3c4, \uacf5\uc2dd \ubb38\uc11c\ud654 \ubc0f FLDG \uc81c\uacf5 \uae30\uad00\uc5d0 \ub300\ud55c \uc2e4\uc0ac \uc694\uac74\uc744 \ucda9\uc871\ud558\ub294 \uacbd\uc6b0\uc5d0 \ud55c\ud574 \ud5c8\uc6a9\ub41c\ub2e4.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n
\uae30\ud0c0 \uc8fc\uc694 \ub3d9\ud5a5<\/span><\/strong><\/h2>\n
\n
\n
\n
(1) \ud574\uc678 \uc9c1\uc811 \ud22c\uc790(ODI)<\/strong>. 2022\ub144 \ud574\uc678 \ud22c\uc790 \ud504\ub808\uc784\uc6cc\ud06c\uc5d0 \ub530\ub77c, \uc778\ub3c4 \uae30\uc5c5\uc740 \uc7ac\uc815\uc801 \uc57d\uc815 \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \uc790\ub3d9 \uc2b9\uc778 \ubc29\uc2dd\uc73c\ub85c \ud574\uc678 \ud569\uc791 \ud22c\uc790 \ub610\ub294 \uc804\uc561 \ucd9c\uc790 \uc790\ud68c\uc0ac\uc5d0 \ub300\ud574 \ubcf4\uc99d\uc744 \uc81c\uacf5\ud558\uac70\ub098 \ub2f4\ubcf4\ub97c \uc124\uc815\ud560 \uc218 \uc788\ub2e4. 2\ub2e8\uacc4 \ubc0f \uadf8 \uc774\ud6c4 \ub2e8\uacc4\uc758 \ud558\uc704 \uc790\ud68c\uc0ac\uc5d0 \ub300\ud55c \ubcf4\uc99d\ub3c4 \uc774\uc81c \uc790\ub3d9 \uc2b9\uc778 \ubc29\uc2dd\uc73c\ub85c \ud5c8\uc6a9\ub41c\ub2e4. \ubcf4\uace0\ub294 \ubc18\ub4dc\uc2dc 1\uc885 \ud5c8\uac00 \uc740\ud589\uc744 \ud1b5\ud574 \uc774\ub904\uc838\uc57c \ud55c\ub2e4.<\/li>\n
(2) KYC(\uace0\uac1d \ud655\uc778) \ubc0f \uc2e4\uc9c8\uc801 \uc18c\uc720\uad8c<\/strong>. \ucd5c\uadfc \uac1c\uc815\ub41c 2005\ub144 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(\uae30\ub85d \uc720\uc9c0) \uaddc\uce59\uc5d0 \ub530\ub77c, \uc2e4\uc9c8\uc801 \uc18c\uc720\uad8c \uc2dd\ubcc4 \uae30\uc900\uc774 \ud68c\uc0ac\uc758 \uacbd\uc6b0 10%, \ud30c\ud2b8\ub108\uc2ed\uc758 \uacbd\uc6b0 15%\ub85c \ud558\ud5a5 \uc870\uc815\ub410\ub2e4. \uc740\ud589 \ubc0f NBFC\uc640 \uac19\uc740 \ubcf4\uace0 \uc758\ubb34 \uae30\uad00\uc740 \uc774\uc81c \uace0\uc704\ud5d8 \uace0\uac1d\uc5d0 \ub300\ud574 \ub3c5\ub9bd\uc801\uc778 \ud655\uc778\uacfc \uac15\ud654\ub41c \uc2e4\uc0ac \uc808\ucc28\ub97c \uc218\ud589\ud574\uc57c \ud55c\ub2e4.<\/li>\n
(3) \uc740\ud589\ubc95 \uac1c\uc815<\/strong>. 2024\ub144 \uc740\ud589\ubc95(\uac1c\uc815)\uc740 \u2018\uc911\ub300\ud55c \uc774\ud574\uad00\uacc4\u2019\uc758 \uae08\uc804\uc801 \uae30\uc900\uc744 200\ub9cc \ub8e8\ud53c\ub85c \uac1c\uc815\ud558\uace0, \ud611\ub3d9\uc870\ud569\uc740\ud589 \uc774\uc0ac \uc784\uae30 \uae30\uc900\uc744 \uc870\uc815\ud558\uba70, \ubcf4\uace0 \uae30\ud55c \ubc0f \uac10\uc0ac \ubcf4\uc218 \uc808\ucc28\ub97c \ud45c\uc900\ud654\ud558\ub294 \ub4f1 \uc6b4\uc601\uc0c1\uc758 \ubcc0\ud654\ub97c \ub3c4\uc785\ud588\ub2e4.<\/li>\n
(4) \ubc95\uc778 \uc2dd\ubcc4\uc790(LEI)<\/strong>. RBI\ub294 5\uc5b5 \ub8e8\ud53c \uc774\uc0c1 \ub2e8\uc77c \uc9c0\uae09 \uac70\ub798\ub97c \ud558\ub294 \ube44\uac1c\uc778\uc5d0 \ub300\ud574 LEI\ub97c \uc758\ubb34\ud654\ud588\ub2e4.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n
\uc778\ub3c4\ub294 \uc774\uc81c \ub300\ucd9c, \ud22c\uc790 \ubc0f \ub514\uc9c0\ud138 \uae08\uc735\uc5d0 \ub300\ud574 \ub354\uc6b1 \uac15\ub825\ud55c \uaddc\uc815\uc744 \ub3c4\uc785\ud558\uace0 \uc788\uc73c\uba70, \ub354\uc6b1 \uba85\ud655\ud558\uace0 \ud22c\uba85\ud55c \uae08\uc735 \uc2dc\uc2a4\ud15c\uc744 \uad6c\ucd95\ud558\uace0 \uc788\ub2e4.<\/p>\n
\n
$\"AZB$ <\/p>\n
AZB & Partners<\/strong>
\nAZB House, Plot No A-7 and A-8, Sector-4, Noida,
\nNational Capital Region, India
\n\uc804\ud654: +91 120 692 3700, +91 120 692 3700
\n\uc774\uba54\uc77c: delhi@azbpartners.com<\/a>
\n www.azbpartners.com<\/a><\/p>\n<\/section>\n","protected":false},"excerpt":{"rendered":"
\uba54\uc778 \ub9d0\ub808\uc774\uc2dc\uc544 \ub300\ub9cc \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \uc778\ub3c4\ub294 \uc740\ud589, \ucc44\uad8c \uc2dc\uc7a5, \ud574\uc678 \ud22c\uc790, \ub514\uc9c0\ud138 \uae08\uc735 \ubc0f \uc790\uc0b0 \ud68c\uc218 \ubd84\uc57c\uc5d0\uc11c \uae08\uc735 \uaddc\uc81c \ud658\uacbd\uc744 \uafb8\uc900\ud788 \uc7ac\ud3b8\ud574 \uc654\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \uc815\ucc45 \uac1c\ud601, \uac10\ub3c5 \uac15\ud654 \ubc0f \uc0ac\ubc95\uc801 \ud574\uc11d\uc5d0 \uc758\ud574 \uc8fc\ub3c4\ub418\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\uc758 \uc0c1\ub2f9\uc218\ub294 \uad6c\uc870\uc801\uc774\uba70 \ud604\uc7ac\ub3c4 \uc9c4\ud589 \uc911\uc73c\ub85c, \uc778\ub3c4\uc758 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc774 \ub354\uc6b1 \uc815\uad50\ud558\uace0 \uacf5\uc2dc \uc911\uc2ec\uc801\uc73c\ub85c \uc804\ud658\ud558\uace0 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n","protected":false},"author":13501,"featured_media":586014,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"sfsi_plus_gutenberg_text_before_share":"","sfsi_plus_gutenberg_show_text_before_share":"","sfsi_plus_gutenberg_icon_type":"","sfsi_plus_gutenberg_icon_alignemt":"","sfsi_plus_gutenburg_max_per_row":"","meta-author":"Hardeep Sachdeva, Priyamvada Shenoy \uadf8\ub9ac\uace0 Gaurav Priyadarshi, AZB & Partners "},"categories":[8398],"tags":[138633,167478,138631,8423,154459,141865,167476,167474,167472,167473,167475,167477],"acf":[],"yoast_head":"\n\n\n\n\n\n\n\n\n\n\n\n\n\n\t\n\t\n\n\n\n\n\t\n\t\n\t\n