RBI’s proposal to remove foreclosure charges on loans up to Rs 7.5 crore could significantly impact PNB Housing Finance and Aditya Birla Capital, with 27% and 26% of their assets in floating-rate loans, respectively. Banks like Axis, IndusInd, and Kotak Mahindra may also face higher impacts. This move is expected to increase competition and reduce profitability in retail loans, benefiting better-rated NBFCs.