BENGALURU, Nov 20 (Reuters) - Indian shares were subdued on Monday, weighed by losses in banking and financial stocks as investors assessed the impact of the central bank's tighter rules for personal loans on lenders.

The NSE Nifty 50 index and the S&P BSE Sensex were flat at 19,730 and 65,775, respectively, as of 9:18 a.m IST.

Banking and financial indexes were down 0.2%, each.

(Reporting by Sethuraman NR in Bengaluru; Editing by Dhanya Ann Thoppil)