Co-lending under RBI's 2025 directions: what your platform needs to handle

RBI's Co-Lending Model directions require NBFCs to manage dual underwriting workflows, 80:20 fund splitting, separate NPA classification, escrow sweep automation, and reconciliation across bank partners, all in real time. Most loan management systems were not built for this. They handle co-lending through workarounds, manual reconciliation, and custom code that breaks when the portfolio scales. Finezza's co-lending module is architected ground-up for RBI CLM compliance - handling dual schedules, differential interest rates, proportional fee allocation, and partner-wise portfolio dashboards natively. No custom development. No reconciliation spreadsheets. If your NBFC is running or planning a co-lending book, the platform question is worth asking now, before volumes make the gap expensive.