Sep 14, 2022 · FLDG or ‘first loan default guarantee’ is an arrangement between a fintech company and regulated entity (RE), including banks and non-banking finance companies, wherein the fintech...

Aug 26, 2023 · FLDG is a lending model between fintech firms and their partner banks and non-banking finance companies where the initial hit on a default is taken by the fintech firm that originated the loan.

Oct 10, 2023 · FLDG is a valuable tool for lenders looking to reduce their exposure to risk when lending to SMEs and other riskier borrowers. By providing a safety net for lenders, FLDG encourages greater...

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Jun 10, 2023 · On Thursday evening, the Reserve Bank of India (RBI) revived the popular bank-fintech partnership model for digital lending, commonly known as First Loss Default Guarantee (FLDG).

Jun 8, 2023 · The FLDG (First Loan Default Guarantee) model is a lending arrangement between a bank/NBFC (regulated entity) and a fintech or lending service provider (mostly unregulated) where the latter...

Jul 21, 2023 · First Loss Default Guarantee (FLDG) is a lending structure between banks or non-banking finance companies (Regulated Entities) and lending service providers (such as fintechs). In an FLDG arrangement, the initial hit on a bad loan portfolio is taken by the fintech firm that originated the loan.

Dec 6, 2022 · FLDG is an arrangement between a fintech company and regulated entity (RE), including banks and non-banking finance companies, wherein the fintech compensates the RE to a certain extent if the borrower defaults.

Aug 21, 2023 · This article first describes what an FLDG arrangement is and then analyzes the guidelines on FLDG arrangement released by RBI. This is followed by certain suggestions as to what should be the way forward for RBI with respect to the same and the conclusion.

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