Central Bank of India Partners with IIFL Finance for Co-Lending
Central Bank of India has entered a Co-Lending Partnership with IIFL Finance Limited. This collaboration aims to expand loan portfolios and offer competitive rates to borrowers. IIFL Finance, with ₹49,027 crore AUM as of December 31, 2025, will originate and service loans, while both entities will process them based on joint criteria.
The co-lending partnership with a significant NBFC like IIFL Finance is likely to have a moderate impact on Central Bank of India's business growth and customer outreach.
The announcement details a new partnership that is expected to expand the company's loan portfolio and reach, which is a positive development.
Central Bank of India has announced a Co-Lending Partnership with M/s. IIFL Finance Limited to offer loans at competitive rates. This collaboration is in compliance with the revised Co-Lending Arrangements (CLA) guidelines issued by the Reserve Bank of India on November 28, 2025.
The partnership aims to facilitate greater expansion of the loan portfolio for both Central Bank of India and IIFL Finance Limited. IIFL Finance Limited, a retail-focused NBFC registered with the RBI, is a prominent player in the gold loan business, with its headquarters in Mumbai. As of December 31, 2025, IIFL Finance Limited reported assets under management (AUM) of ₹49,027.00 crore.
Under this arrangement, IIFL Finance Limited will originate loan proposals, which will be processed by both lenders based on jointly formulated credit parameters and eligibility criteria. The borrower will benefit from a blended interest rate, and IIFL Finance Limited will be responsible for servicing the loan account throughout its lifecycle. This Co-Lending arrangement is expected to benefit both entities and the end borrowers, while also expanding customer outreach across India.
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Central Bank of India filed this with the NSE as a statutory disclosure, categorised under strategic partnerships. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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