Compliance Built IntoEvery Lending Journey
Safetensor helps NBFCs operationalise regulatory controls across onboarding, lending, verification, collections and reporting so teams can work with stronger governance and transparency.
Compliance Ready
Controls monitored
Regulatory reference, not legal advice
Applicable requirements depend on NBFC category, regulatory layer, business model, products and current RBI directions. Always validate the final compliance position with your compliance/legal team.
RBI Compliance Framework for NBFCs
A practical technology-oriented view of the major regulatory areas that NBFC teams commonly need to operationalise. Exact applicability varies by entity.
Registration & Regulatory Scope
RBI registration, applicable NBFC layer or category, principal business requirements and regulatory scope.
Scale Based Regulation
Layer-based prudential, governance, capital, exposure and risk-management requirements.
KYC / AML / CFT
Customer identification, beneficial ownership, CDD, transaction monitoring and applicable AML controls.
Fair Practices & Customer Protection
Transparent terms, pricing, communication, recovery practices and customer-rights controls.
Digital Lending
Digital lending disclosures, consent, data governance, LSP oversight and borrower-facing controls.
Credit Information Reporting
Accurate and timely credit information reporting, correction mechanisms and borrower access.
Outsourcing & LSP Governance
Due diligence, agreements, oversight, audit, data protection and accountability for outsourced activities.
IT, Cyber Security & Data Governance
Access controls, security monitoring, incident management, privacy and technology-risk controls.
Governance, Returns & Disclosures
Board oversight, regulatory reporting, disclosures, records and applicable statutory submissions.
Grievance Redressal & RBI Ombudsman
Maintain an internal complaint-resolution process and applicable escalation mechanisms for customer grievances.
Compliance Across the Lending Lifecycle
Build regulatory checkpoints into every stage instead of treating compliance as a final review step.
Customer Onboarding
KYC & Verification
Credit Assessment
Sanction & KFS
Disbursement
Servicing & Repayment
Collections & Recovery
Reporting & Closure
Digital Lending Compliance
Operationalise important digital-lending controls across customer journeys, disclosures, consent and partner workflows.
Compliance Dashboard
Lending controls overview
92%
Controls
24/7
Monitoring
100%
Audit Trail
RB-IOS
Grievance
Key Fact Statement & APR
Clear pricing and cost disclosure where applicable.
Explicit Data Consent
Customer consent and appropriate data-use controls.
Need-Based Data Collection
Collect only data necessary for the stated purpose.
LSP Oversight
Due diligence, monitoring and contractual governance.
Data Storage
Data-management controls aligned with applicable RBI directions.
Recovery Agent Disclosure
Applicable disclosure and customer communication controls.
Customer Protection & Fair Lending
Build trust through transparent, fair and responsible lending practices.
Transparent Pricing & Charges
Clear communication of interest, fees and applicable charges.
Fair Recovery Practices
Respectful, documented and compliant customer-recovery processes.
Data Privacy & Consent
Secure customer information and purpose-based access.
Complaint Resolution
Defined internal complaint handling and escalation.
Borrower Rights
Fair lending practices help build stronger and more sustainable customer relationships.
Governance & Regulatory Reporting
Create a structured compliance operating layer that keeps governance, reporting and audit evidence organised.
Board Oversight
Independent oversight and risk governance where applicable.
Policy Review
Regular review of compliance policies and procedures.
Regulatory Returns
Track filing obligations and reporting timelines.
Credit Bureau Reporting
Accurate and timely credit-information reporting.
Audit Trail
Complete traceability for key actions and decisions.
Record Retention
Maintain required records according to applicable rules.
Compliance Calendar
Track recurring regulatory timelines
September 2026
Grievance Redressal
Maintain a structured process for receiving, tracking, resolving and escalating customer complaints.
Raise Complaint
Customer raises a complaint through the NBFC's defined channel.
Internal Resolution
Complaint is assigned, investigated and responded to internally.
Escalation
Unresolved matters follow the applicable escalation path.
RBI Ombudsman
Where eligible, customers may use the applicable RBI mechanism.
RBI Integrated Ombudsman Scheme, 2026
RBI's current integrated Ombudsman framework provides a cost-free grievance-redress mechanism for eligible complaints involving deficiency in service by covered regulated entities.
Compliance Controls Safetensor Can Help Operationalise
Technology capabilities can make compliance workflows more consistent, auditable and transparent—but regulatory accountability remains with the regulated entity.
Automated KYC Checks
Identity & document verification workflows.
Document Verification
Validate and secure lending documents.
Policy Rules
Enforce internal lending and regulatory rules.
Consent & Audit Trails
Track consent and maintain important action logs.
Credit Decision Workflow
Policy-driven decisioning and exception handling.
Exception Monitoring
Detect and escalate compliance exceptions.
Role-Based Access
Granular access controls by user and function.
Reporting Dashboards
Real-time compliance and operational insights.
Stay Current With RBI Directions
Use official RBI sources for the latest regulatory directions, amendments and applicable requirements.
NBFC Scale Based Regulation Directions
Review the RBI framework governing NBFC regulatory layers and applicable requirements.
View RBI sourceRBI KYC Directions
Review current KYC, customer due diligence and AML-related requirements.
View RBI sourceDigital Lending Directions
Review current RBI requirements applicable to digital lending arrangements.
View RBI sourceRB-IOS 2026
Review the current RBI Integrated Ombudsman Scheme and grievance framework.
View RBI sourceRBI & NBFC Compliance FAQs
Quick answers to common questions around regulatory compliance and technology.
No. RBI requirements depend on the NBFC's regulatory layer, registration category, activities, products, size, customer interface and other applicable laws. This page is a compliance framework overview, not a complete legal checklist.
Policies should be reviewed according to applicable RBI requirements, internal governance schedules and material regulatory changes. Your compliance team should maintain a documented review and change-management process.
Safetensor can provide technology controls and workflow capabilities that help operationalise compliance processes, but software alone cannot guarantee regulatory compliance. The regulated entity remains responsible for its legal and regulatory obligations.
Yes. Workflow rules, approval hierarchies, access controls, audit trails, reporting and exception-management flows can be configured around the applicable operating model.
The platform can be designed to support customer disclosures, consent, document trails, LSP workflows, data governance and other operational controls relevant to digital lending.
Maintain a defined internal grievance process, ownership and escalation path. Where applicable, customers should also have access to the relevant RBI grievance-redress mechanism.
Build a More Compliant Lending Operation
See how Safetensor can help your teams embed controls, traceability and transparency across the lending lifecycle.