NBFC-P2P Compliance

A registered NBFC-P2P operating an online peer-to-peer lending platform carries continuing obligations under the RBI's Master Directions — the lender and borrower exposure caps, the escrow/fund-transfer mechanism, disclosure to participants, and periodic returns to the RBI.

The firm runs the ongoing P2P compliance so the platform stays within the directions.

NBFC-P2P compliance covers, including:

• Compliance with the lender and borrower exposure caps
• The escrow-based fund-transfer mechanism
• Disclosure obligations to lenders and borrowers
• Periodic returns to the RBI
• Fair-practices, grievance, and governance requirements

1. 01

   Map obligations

   Set out the directions' requirements for the platform.

2. 02

   Build the calendar

   Establish the returns and reporting calendar.

3. 03

   File & monitor

   File the RBI returns and monitor the exposure and escrow rules.

4. 04

   Report

   Maintain the disclosures and governance requirements.

PBT keeps your P2P platform within the RBI directions.

• Exposure caps and escrow rules monitored
• RBI returns filed on time
• Disclosures to participants maintained
• Governance and grievance requirements tracked
• Scope, deliverables, and fees agreed in writing up front

• What are the key ongoing rules for an NBFC-P2P?

  The lender and borrower exposure caps, the escrow-based fund flow, disclosure to participants, and the periodic RBI returns. We monitor and file all of these.

• Can the platform hold lender funds?

  No. Funds must move through an escrow mechanism, not the platform's own books. We help keep the model compliant.

• How long does it take?

  Compliance is ongoing; we set up the calendar and run the returns and monitoring on their cycles.