AI Underwriting Meets Regulation: Can NBFCs Use Data Without Crossing RBI’s Line?
May 4, 2026
AI underwriting is transforming NBFC lending, but regulation is catching
Non-banking Financial Company or commonly known as NBFC, is a company registered under the Companies Act. An NBFC is defined by section 45-I (c) of the RBI Act as a company that carries on the business of a financial institution. It further stipulates that the NBFC must be in the loan and advance industry and the acquisition of stocks, equities, debt, and other marketable securities issued by the government or other local authorities
NBFCs play a critical role in India’s financial services system. NBFCs have grown in number and are now serving the general people to help the financial inclusion initiative by providing low-cost credit at home. NBFCs are playing an increasingly important role in bridging credit gaps left by traditional banks, focusing on peer-to-peer lending.
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