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RBI Launches Pilot for "Unified Lending Interface" (ULI) to Speed Up Credit.

Banking & Finance | Dated: 13 Dec 2025

The Reserve Bank of India (RBI) has launched the pilot phase of the "Unified Lending Interface" (ULI). The platform aims to reduce the turnaround time for credit appraisal and disbursement, especially for MSMEs and rural borrowers. ULI enables seamless digital flow of financial and non-financial data (like land records) from various data providers to lenders.

🎯 Key Highlights:

  • ULI is designed on the lines of UPI, offering a "plug-and-play" architecture for lenders.
  • It eliminates the need for extensive documentation by fetching verified data directly from government databases.
  • The pilot will initially focus on Kisan Credit Card (KCC) loans and dairy loans in select districts.

💡 Other Important Facts:

  • Platform: Unified Lending Interface (ULI).
  • Purpose: Faster Credit Appraisal.
  • Target: MSMEs and Rural Borrowers.

📚 Test Your Knowledge:

What is the full form of "ULI", a new platform pilot-launched by RBI to streamline credit delivery?

Correct Answer: Unified Lending Interface

🚀 Quick Recap:

About RBI

  • Governor – Shaktikanta Das
  • Innovation Hub – RBIH (Bengaluru)