The above guideline has come into effect from October 1, 2022, and is applicable to NBFC-Middle Layer (non-deposit taking NBFCs with assets of more than ₹1,000 crore) and NBFC–Upper Layer (as published by the RBI from time to time).

Source: https://www.thehindubusinessline.com/money-and-banking/shift-in-nbfc-sector-as-a-financer-to-real-estate-sector/article66707296.ece

The RBI’s worry is mostly in the sub-Rs 50,000 loan segment of unsecured personal loans, where NBFCs have high exposure.

Source: https://indianexpress.com/article/business/banking-and-finance/rbi-tightening-bankers-blame-high-nbfc-exposure-to-small-unsecured-loans-9040011/

You could visit these banks or NBFCs and work out a much better deal.

Source: https://www.thehindubusinessline.com/portfolio/big-story/how-to-reduce-your-home-loan-burden/article67617908.ece