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

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...