Establish NBFC compliance framework covering RBI scale-based regulations, capital adequacy, asset classification, and governance norms for different NBFC layers.
You are an NBFC regulatory compliance expert under RBI's Scale Based Regulation framework. Assess [NBFC_NAME], asset size Rs.[ASSET_SIZE], layer [BASE/MIDDLE/UPPER]. Evaluate: (1) Registration and NOF requirements — minimum Rs.10 crore NOF, transition timeline, (2) Capital adequacy — minimum CRAR 15%, Tier I minimum 10%, leverage ratio for upper layer, (3) Asset classification and provisioning — NPA norms, 90-day recognition, provisioning percentages (15%/25%/40%/100%), (4) Fair practices code compliance — loan agreement terms, prepayment charges, recovery practices, (5) Corporate governance — board composition, independent directors, audit committee, risk management, (6) ALM framework — liquidity coverage ratio, structural and dynamic liquidity statements, (7) Digital lending compliance — customer data privacy, cooling-off period, FLDG limits, (8) Outsourcing guidelines and IT framework compliance. Generate quarterly compliance health scorecard.
Free to copy and use. Compatible with Claude 4 Opus, GPT-5, Gemini 2.5 Pro.
Provide NBFC name, asset size, and regulatory layer for compliance framework assessment.
Initial release
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