IJSSER

Title: SECURITIZATION ASPECTS IN INDIAN BANKING SYSTEM
Authors: Chilukani Munender Reddy
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Chilukani Munender Reddy Research Scholar, Department of Economics, Osmania University, Hyderabad
MLA 8 Reddy, Chilukani Munender. "SECURITIZATION ASPECTS IN INDIAN BANKING SYSTEM." Int. j. of Social Science and Economic Research, vol. 3, no. 12, Dec. 2018, pp. 7150-7157, ijsser.org/more2018.php?id=507. Accessed Dec. 2018. APA Reddy, C. (2018, December). SECURITIZATION ASPECTS IN INDIAN BANKING SYSTEM. Int. j. of Social Science and Economic Research, 3(12), 7150-7157. Retrieved from ijsser.org/more2018.php?id=507 Chicago Reddy, Chilukani Munender. "SECURITIZATION ASPECTS IN INDIAN BANKING SYSTEM." Int. j. of Social Science and Economic Research 3, no. 12 (December 2018), 7150-7157. Accessed December, 2018. ijsser.org/more2018.php?id=507.
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Abstract: Securitization has emerged globally as an important technique for bundling assets and segregating risks into marketable securities. Securitization is the financial practice of pooling various types of contractual debt such as residential mortgages, commercial mortgages, auto loans or credit card debt obligations (or other non-debt assets which generate receivables) and selling their related cash flows to third party investors as securities, which may be described as bonds, pass-through securities, or collateralized debt obligations (CDOs). Securitization diversifies credit markets as it breaks the process of lending and funding into several discrete steps, leading to specialization and economies of scale. The Indian securitisation market evolved in the 1990s with the main objective of meeting the priority sector shortfall in the Indian banking system, both for scheduled commercial banks and foreign banks. For many non-banking finance companies (NBFCs) which act as an issuer in these transactions, securitisation has provided an alternative source of capital at a cheaper rate and played a crucial role in their growth.

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