Institution and offering compatibility

Proposed capability matrix, not a legal-authorisation determination. An institution type is a starting constraint, not sufficient evidence of permission. Record the legal entity actually holding deposits, lending, issuing cards or safeguarding prepaid funds. A sponsor/co-brand/technology partner does not inherit that entity’s powers.

Offering	Authorised bank	Lending NBFC	Authorised PPI issuer	Sponsor/co-brand/technology partner
Savings/current deposit accounts	Candidate only within bank licence/product powers	Disabled by default; no bank-like demand deposits inferred	No deposit-account power inferred from PPI authorisation	Distribution/servicing only under explicit agreement; no owned deposit book
Term/public deposits	Candidate within applicable powers	Separate deposit-taking authorisation and entity policy required	Not implied	No implied permission
Personal/business/secured loans	Candidate within permitted lending business	Candidate within NBFC category/policy	Not implied by PPI authorisation	Contracted sourcing/servicing; actual lender remains explicit
Debit cards	Issuer/account/network eligibility required	No bank-debit issuing capability inferred	Not a debit account simply because card-shaped	Bank issuer owns account/card authority
Prepaid/PPI cards or wallet	Separate permitted PPI issuer/programme configuration	Not implied by NBFC registration	Candidate only for authorised category and permitted uses	Restricted programme/distribution role
Credit cards	Institution-specific eligibility/approval and network/processor contract	Specific issuer permission required; not automatic for every NBFC	Not implied by PPI authorisation	Issuer owns underwriting, receivable and regulated duties
ATM services	Separate issuer/acquirer/switch/terminal commissioning	Not enabled by lending permission	Only explicitly permitted card/programme services	No blanket cash-withdrawal authority
Treasury/dealing	Explicit new-project scope and institution permissions	Explicit permitted instruments and policy	Not implied	No implied authority

Use current RBI source references for the selected entity category. The matrix deliberately does not encode monetary limits or legal thresholds as software defaults.

Offering bundles

Bank operating offering: deposits/accounts, enabled lending/cards/channels and full operating controls.
NBFC lending offering: origination, underwriting, servicing, collateral, collections, books and reporting.
Card/PPI programme offering: explicit issuer, programme and funding/billing model.

Activation rule

An offering can become available only after institution capability evidence, product policy, authority, financial book, interface certification, reconciliation, servicing, security and release acceptance are complete. Modules may be licensed but unavailable until these dependencies pass. UI visibility is the result of eligibility; server authorization is always enforced independently.

Revocation and withdrawal

Stopping new applications does not close existing accounts or cancel unsettled obligations. A programme retirement plan needs servicing ownership, outstanding balances, holds, mandates, disputes, notices and retention. Customer contracts cannot silently inherit a replacement policy version.

​Offering bundles

​Activation rule

​Revocation and withdrawal

Offering bundles

Activation rule

Revocation and withdrawal