The minimum requirement of microfinance loans for NBFC-MFls is _______

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SSC CGL 2023 Tier-I Official Paper (Held On: 19 Jul 2023 Shift 2)
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  1. 75% of the total assets 
  2. 75% of the total equity 
  3. 90% of the total assets 
  4. 80% of the total equity  

Answer (Detailed Solution Below)

Option 1 : 75% of the total assets 
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Detailed Solution

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The correct answer is 75% of the total assets. 

Key Points

  • NBFC-MFIs:-
    • Non-Banking Financial Company-Micro Finance Institutions, are a type of non-banking financial institution in India.
    • They are specifically designed to provide microfinance services, which typically target low-income individuals or groups who do not have access to traditional banking and financial services.
    • Generally, NBFCs in India are regulated by the Reserve Bank of India (RBI), but NBFC-MFIs answer to a more specific set of regulations due to their unique business model.
    • This is because they often deal with vulnerable sections of society, which necessitates particular safeguards.
    • Microloans provided by MFIs are intended to help individuals start or expand their small businesses. Thus, they play an important role in poverty reduction and financial inclusion.
    • The minimum requirement of microfinance loans for NBFC-MFls is 75% of the total assets.
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