RBI/2025-26/140 DOR.STR.REC.45/13.07.010/2025-26 August 06, 2025 Reserve Bank of India (Non-Fund Based Credit Facilities) Directions, 2025 Index Chapter - I 2 Preliminary 2 A. Introduction 2 B. Applicability 2 C. Definitions 3 Chapter II 4 General Conditions 4 Chapter – III 5 A. Guarantees 5 B. Co-acceptances 6 C. Requirements for Other Specific Guarantees 6 Chapter - IV 7 Partial Credit Enhancement 7 A. Salient features of the PCE facility 8 B. Balance Sheet treatment, capital requirements, exposure and asset classification norms for exposures arising on account of providing PCE 9 C. Additional conditions for providing PCE to bonds of NBFCs and HFCs 11 D. Other Aspects of PCE 11 Chapter - V 12 Exclusions and Other Aspects 12 Chapter VI 13 Disclosures 13 Annex 1 14 Operational Risk Controls for issuance of Electronic Guarantees 14 Annex 2 16 List of Circulars repealed in respect of Scheduled Commercial Banks 16 List of Circulars repealed in respect of Urban Cooperative Banks 20

RBI/2025-26/139 DOR.STR.REC.44 /13.07.010/2025-26 August 06, 2025 Reserve Bank of India (Co-Lending Arrangements) Directions, 2025 Index Introduction 2 Short title and commencement 2 Applicability 2 Definitions 3 General Guidelines 3 Interest Rate and Other Fees/ Charges 4 Operational Arrangements 5 Reporting to credit information companies (CICs) 6 Default Loss Guarantee 7 Asset Classification Norms 7 Transfer of Loan Exposures 7 Disclosures 7 Repeal Provisions 8