At the end of 2023, RBI tweaked the risk weights of unsecured loans putting fin-techs who were doling out BNPL (Buy Now Pay Later) into a spot. The move was a major attention grabber and would affect consumer loans and the companies in this sector big time.

Start by reading/listening to the following resources and shoot your questions. Doesnt matter if you did not understand something, everyone at one point of time did not know understand the same, just that they asked and are now knowledgeable about it. So start your journey, we will help you understand things in very simple language.

So, take your first step towards understanding …

  • What are risk weights that RBI tweaked
  • How do NBFCs and Fin-tech work
  • Basic understanding of Capital Adequacy Ratio of banks
  • What is ‘evergreening’

Selected Resources to understand the going-0ns:

If you know of any great resource that helps the uninitiated in this field to grasp the matter, please do share it with us and we will add it to the above list. We would prefer something that explains the basics and not a critique or discussion for the more knowledgeable ones.