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ARTICLE · 07 NOVEMBER 2025

August 2025 RBI Framework Streamlining For Non-Fund-Based Credit: Impact On Banking Finance For IP-Backed Loans

Khurana & Khurana, Advocates and IP Attorneys
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The startup ecosystem in India which accommodates more than 120,000 businesses that have an estimated valuation of USD 450 billion by 2025 is increasingly using intellectual property (IP) as a security capital to finance their growth.

IndiaFinance and Banking
Amrita Pradhan
Amrita Pradhan
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Introduction: Catalyzing IP Monetization in a Volatile Fiscal Environment

The startup ecosystem in India which accommodates more than 120,000 businesses that have an estimated valuation of USD 450 billion by 2025 is increasingly using intellectual property (IP) as a security capital to finance their growth. The growth in IP-backed lending was 28% compared to the year before to INR 15,000 crore, which was matched with the maturity of the venture debt market. This expansion, which has been perpetuated by patent-focused areas of the industry, biotech and edtech, which are major contributors to 65% of the valuation non-fund-based (NFB) credit, has been long held back by conservative banking traditions and ad hoc non-fund-based (NFB) credit criteria, which discourage guarantees and partial credit enhancements (PCE) of intangible assets.

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