BANKS & NBFCS · AN INTERACTIVE REFERENCE
Find your regulatory scope.
Understand every decision.
Work through your licence, funding, size and business activities. See how your answers determine the entity classification, which requirements follow and what still needs confirmation.
FREE INTERACTIVE TOOL · BANKS & NBFCS
Start with the facts. See what follows.
Identify your entity, confirm its scale and activities, then explore the requirements that follow from your answers.
Your inputs stay in this page and clear on reload. No account is required to explore. Rules are dated 13 October 2026; source limits and institution-specific review still apply.
QUESTIONS TAILORED TO YOUR ENTITY
Choose your criteria checklist
Select Bank or NBFC to follow the relevant questions. Each route adapts to your licence and subsequent answers.
STEP 1 OF 4
Entity & licence
Identify the legal entity and its operating status. Choose Unknown when evidence is unavailable.
Start with the legal entity’s regulatory family.
First, select an entity family and licence.
The relevant questions will then appear. UCB tier and NBFC layer are calculated from subsequent answers.
You may review a partial profile. Unresolved facts will remain visible as Review decisions.
Want to explore first? Start from one of 36 fictional profiles.
Examples fill all questions with disclosed assumptions. They are starting points, not a substitute for your facts.
DECISIONS FOR YOUR ENTITY
Classification incomplete
Select a licence to begin · Operating stage unconfirmed
Regulatory rules and topics requiring a detailed assessment are distinguished below. “Not triggered” means not selected by this dated rule set and the supplied facts, rather than a universal exemption.
Regulatory Universe
2 decisionsR59 · Assessment requiredThreshold crossing and classification transition
ReviewComplete or correct the entity facts before relying on this decision.
Threshold crossing and classification transition
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Size transitions, RBI designations and UCB tier glide paths require retained evidence.
What to do next
Retain RBI advice, prior layer / tier and the approved transition schedule.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Paras 10-24, 27-34, 38A and 65A.
2026-07-01 · Operative text checked. Type I, group aggregation, retained layers and current UL identification matter.Paras 2-4: deposit tiers, unit / salary exceptions and transition.
2025-12-04 · Operative text checked. Use preceding audited March deposits; scheduling is a separate test.Related app support
Applicability review and change action plan
R61 · Assessment requiredType I registration / exemption conditions
ReviewComplete or correct the entity facts before relying on this decision.
Type I registration / exemption conditions
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Type I registration and exemption conditions require documentary confirmation.
What to do next
Confirm registration state, group test, funding and customer-interface conditions.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Paras 10-24, 27-34, 38A and 65A.
2026-07-01 · Operative text checked. Type I, group aggregation, retained layers and current UL identification matter.Related app support
Licence / applicability records; specialist validation needed
RBI Returns
1 decisionsR04 · Regulatory requirementReturns inventory and submission governance
ReviewComplete or correct the entity facts before relying on this decision.
Returns inventory and submission governance
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Registered / licensed entities need their category-specific return inventory.
What to do next
Confirm frequency, form, taxonomy and submission channel.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Institution-specific return inventory and supervisory filing directions.
2026-07-31 · Operative text checked. Individual returns, frequencies and current schemas are not fully automated here.Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Bank Form A / Form VIII / LEF; other governed returns
Prudential Compliance
11 decisionsR05 · Regulatory requirementCapital, exposures and prudential oversight
ReviewComplete or correct the entity facts before relying on this decision.
Capital, exposures and prudential oversight
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Use the institution-specific capital and concentration framework.
What to do next
Approve effective limits and classifications before calculation.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3 exceptions and para 54 ICAAP.
2026-07-01 · Operative text checked. ICAAP assessment scope differs from a uniform Pillar 2 capital charge.Current edition identified. Full operative PDF not inspected in this task.
2026-10-07 · Edition checked; detailed rule review required. No rates, buffers, risk weights or Bank ICAAP determination are certified.Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Bank workings; NBFC templates; specialist categories need configuration
R06 · Regulatory requirementNBFC registration capital / NOF
ReviewComplete or correct the entity facts before relying on this decision.
NBFC registration capital / NOF
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
NBFC registration-capital requirements vary by licence and transition.
What to do next
Validate category-specific minimum and transition evidence.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Paras 10-24, 27-34, 38A and 65A.
2026-07-01 · Operative text checked. Type I, group aggregation, retained layers and current UL identification matter.Related app support
NBFC NOF template; no universal minimum encoded
R07 · Regulatory requirementNBFC general prudential capital framework
ReviewComplete or correct the entity facts before relying on this decision.
NBFC general prudential capital framework
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
General capital directions have activity and funding exceptions.
What to do next
Use specialist capital rules where the general framework is excluded.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3 exceptions and para 54 ICAAP.
2026-07-01 · Operative text checked. ICAAP assessment scope differs from a uniform Pillar 2 capital charge.Related app support
NBFC templates with approved regulatory parameters
R08 · Regulatory requirementICAAP and capital planning
ReviewComplete or correct the entity facts before relying on this decision.
ICAAP and capital planning
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
NBFC covered ML+ capital assessment; Bank policy / source validation required.
What to do next
Confirm source basis. Any ICAAP handoff requires explicit approved mapping.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3 exceptions and para 54 ICAAP.
2026-07-01 · Operative text checked. ICAAP assessment scope differs from a uniform Pillar 2 capital charge.Current edition identified. Full operative PDF not inspected in this task.
2026-10-07 · Edition checked; detailed rule review required. No rates, buffers, risk weights or Bank ICAAP determination are certified.Related app support
Regulatory planning workspace; separate ICAAP app stays separate
R09 · Regulatory requirementBank CRR, SLR and deposit controls
ReviewComplete or correct the entity facts before relying on this decision.
Bank CRR, SLR and deposit controls
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Bank reserves follow the applicable category-specific directions.
What to do next
Confirm scheduling, denominator, rates, dates and permitted assets.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Category reference in the app. Institution rates and deadlines are not encoded.
2026-10-09 · App reference; detailed review required. Use each bank category direction and effective reserve period.Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Bank reserve input checks and Returns working papers
R10 · Regulatory requirementNBFC public-deposit controls
ReviewComplete or correct the entity facts before relying on this decision.
NBFC public-deposit controls
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Public-deposit activity needs a valid deposit-taking permission.
What to do next
Verify authorisation and the applicable deposit / liquid-asset rules.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Linked category direction from current SBR text.
2025-11-28 · Scope linkage checked; detailed review required. Use the public-deposit direction linked from paragraph 4(i).Related app support
Deposit compliance records and templates
R11 · Assessment requiredD-SIB additional requirements
ReviewComplete or correct the entity facts before relying on this decision.
D-SIB additional requirements
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Only a confirmed D-SIB designation selects this overlay.
What to do next
Retain current RBI designation and effective buffer evidence.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Governed policy and capital parameter evidence
R12 · Assessment requiredSecuritisation and credit-risk transfer
ReviewComplete or correct the entity facts before relying on this decision.
Securitisation and credit-risk transfer
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Select for relevant credit transfers or securitisation transactions.
What to do next
Review transaction eligibility, retention and applicable disclosures.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
- Own-book lending / credit exposure
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Paras 10-24, 27-34, 38A and 65A.
2026-07-01 · Operative text checked. Type I, group aggregation, retained layers and current UL identification matter.Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Governed exposure and transaction workspace
R13 · Assessment requiredCo-lending / DLG prudential assessment
ReviewComplete or correct the entity facts before relying on this decision.
Co-lending / DLG prudential assessment
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Select where such arrangements exist.
What to do next
Validate arrangement eligibility and calculate using approved terms.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
- Own-book lending / credit exposure
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Paras 10-24, 27-34, 38A and 65A.
2026-07-01 · Operative text checked. Type I, group aggregation, retained layers and current UL identification matter.Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Governed impact records
R63 · Regulatory requirementBank priority-sector lending assessment
ReviewComplete or correct the entity facts before relying on this decision.
Bank priority-sector lending assessment
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Bank category and salary-earner UCB exception determine PSL scope.
What to do next
Approve category target, sub-targets, denominator and eligible loan mapping.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 2: category scope, including salary-earner UCB exception.
2026-09-11 · Operative scope checked. Bank-specific targets and loan eligibility still require validation.Related app support
Bank priority-sector input checks and evidence
R64 · Assessment requiredBank deposit-insurance assessment
ReviewComplete or correct the entity facts before relying on this decision.
Bank deposit-insurance assessment
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Covered Bank categories select DICGC registration, premium and return assessment.
What to do next
Verify current insured-bank registration and eligible / excluded deposits.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Official guide and current FAQ: covered Bank categories and NBFC exclusion.
2026-10-13 · Official coverage reference checked. Current registration and insured deposit eligibility need confirmation.Related app support
Bank deposit-insurance input checks and evidence
Asset Quality
3 decisionsR14 · Regulatory requirementAsset quality, IRACP and provisions
ReviewComplete or correct the entity facts before relying on this decision.
Asset quality, IRACP and provisions
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Own-book credit exposures trigger classification and provision work.
What to do next
Reconcile the full portfolio and use the correct institution / product rules.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
- Own-book lending / credit exposure
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Current category instrument identified; full operative PDF not read.
2025-11-28 · Edition checked; detailed rule review required. No numerical classification or provisioning rates encoded.Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Bank loan-period workings; NBFC classification templates
R15 · Assessment requiredCredit information / large-borrower reporting
ReviewComplete or correct the entity facts before relying on this decision.
Credit information / large-borrower reporting
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Lending selects reporting assessment; each report has its own threshold.
What to do next
Determine CIC reporting and CRILC scope independently.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
- Own-book lending / credit exposure
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Paras 10-24, 27-34, 38A and 65A.
2026-07-01 · Operative text checked. Type I, group aggregation, retained layers and current UL identification matter.Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Reporting and evidence workspaces
R16 · Assessment requiredInd AS impairment and regulatory reconciliation
ReviewComplete or correct the entity facts before relying on this decision.
Ind AS impairment and regulatory reconciliation
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
An approved Ind AS assessment and credit exposures select reconciliation.
What to do next
Document provision / impairment differences. No automatic ECL data transfer.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
- Own-book lending / credit exposure
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
15 modules and 238 navigation workspaces; source capability review.
2026-10-13 · Source reviewed. Existing screen does not certify a regulator-ready calculation or filing.Current category instrument identified; full operative PDF not read.
2025-11-28 · Edition checked; detailed rule review required. No numerical classification or provisioning rates encoded.Related app support
Regulatory provisioning workspace; ECL app separate
ALM & Liquidity
5 decisionsR17 · Regulatory requirementALM framework, ladder and ALCO
ReviewComplete or correct the entity facts before relying on this decision.
ALM framework, ladder and ALCO
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Bank category directions and covered NBFC activities determine ALM scope.
What to do next
Approve cash-flow basis and reconciled Finance controls.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Paras 3-5 and Chapter III: scope, exclusions and LCR.
2026-07-01 · Operative text checked. CIC excluded from LCR; HFC included within the specified scope.Para 3 and Chapters V-VI: commercial-bank scope, LCR and NSFR.
2025-11-28 · Operative text checked. Commercial Bank definition excludes SFB, PB and LAB in this direction.Category scope and Chapters V-VI.
2025-11-28 · Operative text checked. A separate SFB direction governs SFB liquidity measures.Category liquidity, cash-flow and settlement framework.
2025-11-28 · Operative text checked. Do not substitute commercial-bank LCR / NSFR rules.Para 3 and category ALM framework.
2025-11-28 · Operative text checked. Tier affects particulars; ALM module is relevant across tiers.Category scope and ALM framework.
2025-11-28 · Operative text checked. StCB and DCCB need their own configuration.Related app support
Bank six-source working papers; NBFC ladder and stress templates
R18 · Regulatory requirementLCR and HQLA
ReviewComplete or correct the entity facts before relying on this decision.
LCR and HQLA
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Covered NBFC-D, or covered NBFC-ND at INR 5,000 crore; Bank framework differs.
What to do next
Validate eligibility, haircuts, cash-flow factors and inflow cap.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Paras 3-5 and Chapter III: scope, exclusions and LCR.
2026-07-01 · Operative text checked. CIC excluded from LCR; HFC included within the specified scope.Para 3 and Chapters V-VI: commercial-bank scope, LCR and NSFR.
2025-11-28 · Operative text checked. Commercial Bank definition excludes SFB, PB and LAB in this direction.Category scope and Chapters V-VI.
2025-11-28 · Operative text checked. A separate SFB direction governs SFB liquidity measures.Related app support
Bank HQLA / LCR workings; NBFC LCR template
R19 · Regulatory requirementNSFR
ReviewComplete or correct the entity facts before relying on this decision.
NSFR
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Selected Bank ALM directions contain NSFR; no generic NBFC NSFR mandate encoded.
What to do next
Approve funding classifications. Specialist orders require separate review.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Paras 3-5 and Chapter III: scope, exclusions and LCR.
2026-07-01 · Operative text checked. CIC excluded from LCR; HFC included within the specified scope.Para 3 and Chapters V-VI: commercial-bank scope, LCR and NSFR.
2025-11-28 · Operative text checked. Commercial Bank definition excludes SFB, PB and LAB in this direction.Category scope and Chapters V-VI.
2025-11-28 · Operative text checked. A separate SFB direction governs SFB liquidity measures.Related app support
Bank ASF / RSF working papers
R20 · Assessment requiredTreasury, interest-rate and currency oversight
ReviewComplete or correct the entity facts before relying on this decision.
Treasury, interest-rate and currency oversight
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
A treasury / investment portfolio selects the regulatory risk assessment.
What to do next
Confirm instruments, material currencies and model limits; TMS stays separate.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Treasury / investment portfolio
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
15 modules and 238 navigation workspaces; source capability review.
2026-10-13 · Source reviewed. Existing screen does not certify a regulator-ready calculation or filing.Paras 3-5 and Chapter III: scope, exclusions and LCR.
2026-07-01 · Operative text checked. CIC excluded from LCR; HFC included within the specified scope.Para 3 and Chapters V-VI: commercial-bank scope, LCR and NSFR.
2025-11-28 · Operative text checked. Commercial Bank definition excludes SFB, PB and LAB in this direction.Related app support
Sensitivity, stress and evidence workspaces
R21 · Assessment requiredIntraday liquidity and settlement controls
ReviewComplete or correct the entity facts before relying on this decision.
Intraday liquidity and settlement controls
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Bank settlement activity selects intraday assessment.
What to do next
Confirm applicable monitoring tools and settlement participation.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3 and Chapters V-VI: commercial-bank scope, LCR and NSFR.
2025-11-28 · Operative text checked. Commercial Bank definition excludes SFB, PB and LAB in this direction.Category scope and Chapters V-VI.
2025-11-28 · Operative text checked. A separate SFB direction governs SFB liquidity measures.Category liquidity, cash-flow and settlement framework.
2025-11-28 · Operative text checked. Do not substitute commercial-bank LCR / NSFR rules.Related app support
Bank intraday input and breach workings
KYC & CKYC
2 decisionsR22 · Regulatory requirementKYC policy, risk and customer due diligence
ReviewComplete or correct the entity facts before relying on this decision.
KYC policy, risk and customer due diligence
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Use the category KYC / PML perimeter; absence of retail customers is not an exemption.
What to do next
Validate counterparties, beneficial owners and category exceptions.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Category KYC framework and applicability.
2025-11-28 · Operative text checked. Validate particular client, product and reporting-entity exceptions.Category KYC and customer due-diligence framework.
2025-11-28 · Operative text checked. Other bank categories use their own current KYC directions.Rules 3, 7 and 9: records, reporting and client identification.
Undated consolidated page · Operative text checked. STR and CTR routes are distinct; current filing-schema validation is separate.Related app support
KYC governed workflows and scoped records
R23 · Assessment requiredCKYC, onboarding and periodic refresh
ReviewComplete or correct the entity facts before relying on this decision.
CKYC, onboarding and periodic refresh
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Customer-facing activity selects the operational CDD / CKYC work queue.
What to do next
Confirm CKYCR eligibility, API integration and client record coverage.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Has public customer interface
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Category KYC framework and applicability.
2025-11-28 · Operative text checked. Validate particular client, product and reporting-entity exceptions.Category KYC and customer due-diligence framework.
2025-11-28 · Operative text checked. Other bank categories use their own current KYC directions.Rules 3, 7 and 9: records, reporting and client identification.
Undated consolidated page · Operative text checked. STR and CTR routes are distinct; current filing-schema validation is separate.Related app support
KYC and CKYC workflows; connector onboarding remains separate
AML & Fraud
4 decisionsR24 · Regulatory requirementAML monitoring, investigation and STR assessment
ReviewComplete or correct the entity facts before relying on this decision.
AML monitoring, investigation and STR assessment
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
PML reporting-entity assessment is separate from a fraud determination.
What to do next
Validate transaction feeds, confidentiality and FIU schema before filing.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Category KYC framework and applicability.
2025-11-28 · Operative text checked. Validate particular client, product and reporting-entity exceptions.Category KYC and customer due-diligence framework.
2025-11-28 · Operative text checked. Other bank categories use their own current KYC directions.Rules 3, 7 and 9: records, reporting and client identification.
Undated consolidated page · Operative text checked. STR and CTR routes are distinct; current filing-schema validation is separate.Related app support
NBFC monitoring templates; Bank AML assessment workspaces
R25 · Assessment requiredCTR cash-population assessment
ReviewComplete or correct the entity facts before relying on this decision.
CTR cash-population assessment
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Cash activity selects population testing, not an automatic CTR filing.
What to do next
Reconcile all cash transactions and evaluate the applicable aggregation rules.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Cash transactions in reporting population
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Rules 3, 7 and 9: records, reporting and client identification.
Undated consolidated page · Operative text checked. STR and CTR routes are distinct; current filing-schema validation is separate.Related app support
STR / CTR and FIU registers; full schema validation is an onboarding gap
R26 · Regulatory requirementFraud risk framework and reporting
ReviewComplete or correct the entity facts before relying on this decision.
Fraud risk framework and reporting
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
NBFC ML+ or BL audited assets of at least INR 500 crore; Bank rules are category-specific.
What to do next
Use independent classification. HFC reporting routes require NHB assessment.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3 and Chapter III.
2026-07-31 · Operative text checked. BL audited assets at least 500 crore; ML / UL EWS; HFC reporting route differs.Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Bank EWS lifecycle; NBFC alert / investigation workflows
R27 · Regulatory requirementFormal NBFC EWS framework
ReviewComplete or correct the entity facts before relying on this decision.
Formal NBFC EWS framework
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
NBFC fraud direction Chapter III distinguishes ML / UL EWS requirements.
What to do next
Keep early-warning alerts distinct from fraud classification.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3 and Chapter III.
2026-07-31 · Operative text checked. BL audited assets at least 500 crore; ML / UL EWS; HFC reporting route differs.Related app support
Existing NBFC rule engine and review workspaces
Customer Protection
6 decisionsR28 · Assessment requiredComplaints, conduct and customer redress
ReviewComplete or correct the entity facts before relying on this decision.
Complaints, conduct and customer redress
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Customer-facing financial services select conduct and complaints workflows.
What to do next
Validate product-specific conduct rules and complaint escalation.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Has public customer interface
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Category instrument identified; product-specific rules require validation.
2025-11-28 · Edition checked; detailed rule review required. Product rows select assessment work; they do not certify every rule.Category reference already in the app publication catalogue.
2025-11-28 · App reference; detailed review required. Operational scope only for this workbook.Related app support
Conduct, complaints and SLA workspaces
R29 · Assessment requiredRetail / MSME KFS and pricing
ReviewComplete or correct the entity facts before relying on this decision.
Retail / MSME KFS and pricing
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Product-level applicability selects KFS, charges and pricing checks.
What to do next
Confirm loan class, origination date and direction-specific exceptions.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
- Own-book lending / credit exposure
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Category instrument identified; product-specific rules require validation.
2025-11-28 · Edition checked; detailed rule review required. Product rows select assessment work; they do not certify every rule.Category reference already in the app publication catalogue.
2025-11-28 · App reference; detailed review required. Operational scope only for this workbook.Related app support
KFS, APR and charge workspaces
R30 · Assessment requiredDigital lending, LSP / DLA and consent
ReviewComplete or correct the entity facts before relying on this decision.
Digital lending, LSP / DLA and consent
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Digital lending activity selects arrangement and conduct assessment.
What to do next
Verify current product rules, data consent and LSP agreement.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
- Own-book lending / credit exposure
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Category instrument identified; product-specific rules require validation.
2025-11-28 · Edition checked; detailed rule review required. Product rows select assessment work; they do not certify every rule.Category reference already in the app publication catalogue.
2025-11-28 · App reference; detailed review required. Operational scope only for this workbook.Related app support
Digital product, fund-flow and LSP registers
R31 · Assessment requiredMicrofinance product safeguards
ReviewComplete or correct the entity facts before relying on this decision.
Microfinance product safeguards
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Qualifying microfinance loans need product-specific safeguards across lender types.
What to do next
Validate borrower eligibility and household repayment assessment.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
- Own-book lending / credit exposure
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Microfinance / gold checklist workspace
R32 · Assessment requiredGold / silver secured lending
ReviewComplete or correct the entity facts before relying on this decision.
Gold / silver secured lending
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Relevant secured-loan products select product-rule review.
What to do next
Validate valuation, custody, limits and applicable commencement.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
- Own-book lending / credit exposure
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Product checklist and evidence workspace
R33 · Regulatory requirementInternal Ombudsman
ReviewComplete or correct the entity facts before relying on this decision.
Internal Ombudsman
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Covered bank outlets / NBFC branches and asset tests, exclusions and transition apply.
What to do next
Confirm first eligibility date, six-month transition and any restriction order.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3: scope, exclusions and six-month transition.
2026-01-14 · Operative text checked. Deposit-taking: 10 branches. ND: 5,000 crore and public customer interface.Para 3: 10 banking outlets and transition.
2026-01-14 · Operative text checked. Banking outlets are not interchangeable with an arbitrary branch count.Para 3: 10 banking outlets and transition.
2026-01-14 · Operative text checked. Use first eligibility date for transition.Para 3: 10 banking outlets and transition.
2026-01-14 · Operative text checked. Use first eligibility date for transition.Related app support
Nodal officer and IO queue
Governance & SEBI
7 decisionsR34 · Regulatory requirementBoard, committees and governance
ReviewComplete or correct the entity facts before relying on this decision.
Board, committees and governance
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Legal form, category, layer and ownership determine governance particulars.
What to do next
Approve an institution-specific committee and governance schedule.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3 layer and special-activity scope.
2025-11-28 · Operative text checked. Special types can have individual paragraph obligations despite layer.Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Board, policy, committee and approval records
R35 · Regulatory requirementEnhanced NBFC layer governance
ReviewComplete or correct the entity facts before relying on this decision.
Enhanced NBFC layer governance
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
ML / UL governance is layered; special activities have paragraph-level exceptions.
What to do next
Review committee, officer, disclosure and listing-transition particulars.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3 layer and special-activity scope.
2025-11-28 · Operative text checked. Special types can have individual paragraph obligations despite layer.Related app support
Governance assessment and evidence workflow
R36 · Assessment requiredCompany-law filings and registers
ReviewComplete or correct the entity facts before relying on this decision.
Company-law filings and registers
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Indian company constitution selects company-law compliance assessment.
What to do next
Use the actual statutory applicability schedule for the company.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Legal constitution
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
15 modules and 238 navigation workspaces; source capability review.
2026-10-13 · Source reviewed. Existing screen does not certify a regulator-ready calculation or filing.Q1.1 and Q1.2: company-level preceding-year criteria.
2021-08-25 · Official threshold reference checked. CSR screening only. Statutory profit and continuing obligations need review.Related app support
MCA / statutory register workspaces
R37 · Assessment requiredSEBI listing obligations
ReviewComplete or correct the entity facts before relying on this decision.
SEBI listing obligations
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Any declared listing selects the relevant LODR chapter assessment.
What to do next
Distinguish equity, debt, SME and chapter-specific exemptions.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Listed securities
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Current master-circular listing; chapter and amendment review required.
2026-01-30 · Edition checked; detailed rule review required. Listing selects assessment; instrument / SME / chapter exemptions are not auto-certified.Related app support
LODR calendar and governance register
R38 · Assessment requiredListed debt / NCS compliance
ReviewComplete or correct the entity facts before relying on this decision.
Listed debt / NCS compliance
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Debt listing selects debt-specific governance and disclosure work.
What to do next
Confirm listed instrument category and current issue / disclosure rules.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Listed securities
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Current master-circular listing; chapter and amendment review required.
2026-01-30 · Edition checked; detailed rule review required. Listing selects assessment; instrument / SME / chapter exemptions are not auto-certified.Related app support
SEBI NCS compliance workspace
R39 · Assessment requiredPIT / UPSI / structured digital database
ReviewComplete or correct the entity facts before relying on this decision.
PIT / UPSI / structured digital database
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Listed securities select an insider-information applicability assessment.
What to do next
Validate current PIT scope, connected persons and access controls.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Listed securities
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Current master-circular listing; chapter and amendment review required.
2026-01-30 · Edition checked; detailed rule review required. Listing selects assessment; instrument / SME / chapter exemptions are not auto-certified.Related app support
PIT, UPSI and SDD governed register
R60 · Assessment requiredMerger, control or business-model change
ReviewComplete or correct the entity facts before relying on this decision.
Merger, control or business-model change
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
A proposed structural change selects prior-approval assessment.
What to do next
Confirm permissions before executing the proposed change.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Merger / control / business-model change
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Paras 10-24, 27-34, 38A and 65A.
2026-07-01 · Operative text checked. Type I, group aggregation, retained layers and current UL identification matter.Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Change-control and regulatory-approval workspaces
Policies & Controls
1 decisionsR41 · Regulatory requirementIndependent compliance function / CCO
ReviewComplete or correct the entity facts before relying on this decision.
Independent compliance function / CCO
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
NBFC compliance direction addresses ML / UL under its stated registration scope.
What to do next
Validate special-category scope, reporting line and approved charter.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3: ML / UL and registration scope.
2026-07-31 · Operative text checked. HFC and unusual legal bases remain specific-review items.Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
CRO / CCO register and compliance control evidence
Audit & Inspection
1 decisionsR43 · Regulatory requirementNBFC mandated risk-based internal audit
ReviewComplete or correct the entity facts before relying on this decision.
NBFC mandated risk-based internal audit
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Deposit-taking NBFC / HFC or non-deposit-taking assets of at least INR 5,000 crore.
What to do next
Confirm audited eligibility and approved internal audit charter.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3: deposit-taking and 5,000 crore ND threshold.
2026-07-31 · Operative text checked. Includes HFCs within the stated scope.Related app support
Risk-based audit planning and evidence workspaces
Third-Party Oversight
3 decisionsR44 · Assessment requiredThird-party and outsourcing oversight
ReviewComplete or correct the entity facts before relying on this decision.
Third-party and outsourcing oversight
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Outsourced services select vendor, contract and exit controls.
What to do next
Confirm materiality and the category outsourcing direction.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Outsourced services / third parties
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Category outsourcing governance and arrangements.
2025-11-28 · Operative text checked. Materiality, service type and cross-border particulars need review.Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Vendor inventory, risk, clauses and reviews
R45 · Assessment requiredIT and cloud outsourcing
ReviewComplete or correct the entity facts before relying on this decision.
IT and cloud outsourcing
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
IT / cloud vendors select technology outsourcing assessment.
What to do next
Validate access rights, data location, subcontractors and exit evidence.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- IT / cloud outsourcing
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3 and Chapters III-V.
2026-07-31 · Operative text checked. Baseline BL below 500 / CIC; enhanced BL at least 500; ML+ excluding CIC.Category outsourcing governance and arrangements.
2025-11-28 · Operative text checked. Materiality, service type and cross-border particulars need review.Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
IT / cloud inventory and oversight records
R46 · Assessment requiredLSP, DSA and recovery-agent oversight
ReviewComplete or correct the entity facts before relying on this decision.
LSP, DSA and recovery-agent oversight
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Lending service relationships select conduct and outsourced-agent oversight.
What to do next
Map relevant service providers and prevent duplicate canonical records.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Digital lending / LSP / DLA
- Unknown
- Co-lending / DLG arrangements
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Category instrument identified; product-specific rules require validation.
2025-11-28 · Edition checked; detailed rule review required. Product rows select assessment work; they do not certify every rule.Category reference already in the app publication catalogue.
2025-11-28 · App reference; detailed review required. Operational scope only for this workbook.Related app support
LSP / DSA / recovery-agent registers
Cyber & Privacy
8 decisionsR47 · Regulatory requirementCybersecurity, BCP and operational resilience
ReviewComplete or correct the entity facts before relying on this decision.
Cybersecurity, BCP and operational resilience
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Every selected regulated institution requires a scoped technology-risk assessment.
What to do next
Use the current category framework and retain incident reporting assessments.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3 and Chapters III-V.
2026-07-31 · Operative text checked. Baseline BL below 500 / CIC; enhanced BL at least 500; ML+ excluding CIC.Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Cyber, incidents, access reviews, BCP / DR evidence
R48 · Regulatory requirementNBFC baseline cyber chapter
ReviewComplete or correct the entity facts before relying on this decision.
NBFC baseline cyber chapter
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
NBFC BL below INR 500 crore and CICs use the baseline chapter.
What to do next
Map the baseline chapter, rather than assuming exemption from cybersecurity.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3 and Chapters III-V.
2026-07-31 · Operative text checked. Baseline BL below 500 / CIC; enhanced BL at least 500; ML+ excluding CIC.Related app support
Governed technology controls
R49 · Regulatory requirementNBFC BL enhanced IT chapter
ReviewComplete or correct the entity facts before relying on this decision.
NBFC BL enhanced IT chapter
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
NBFC BL at or above INR 500 crore uses the BL enhanced chapter.
What to do next
Review IT governance, systems audit, continuity and outsourcing.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3 and Chapters III-V.
2026-07-31 · Operative text checked. Baseline BL below 500 / CIC; enhanced BL at least 500; ML+ excluding CIC.Related app support
Governed technology controls
R50 · Regulatory requirementNBFC ML+ technology-risk chapter
ReviewComplete or correct the entity facts before relying on this decision.
NBFC ML+ technology-risk chapter
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
ML / UL / TL uses the enhanced chapter, excluding CICs.
What to do next
Map the appropriate chapter to the IT risk-control register.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Institution / licence type
- Not provided
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Para 3 and Chapters III-V.
2026-07-31 · Operative text checked. Baseline BL below 500 / CIC; enhanced BL at least 500; ML+ excluding CIC.Related app support
Governed technology controls
R51 · Assessment requiredPrivacy inventory and current data controls
ReviewComplete or correct the entity facts before relying on this decision.
Privacy inventory and current data controls
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Digital personal data selects inventory, retention and current-law assessment.
What to do next
Retain existing-law controls while assessing phased DPDP commencement.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Processes digital personal data
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
15 modules and 238 navigation workspaces; source capability review.
2026-10-13 · Source reviewed. Existing screen does not certify a regulator-ready calculation or filing.Rule 1(2)-(4), English text page 23: phased commencement.
2025-11-13 · Commencement text checked. Rule 4: one year. Substantive specified rules: eighteen months. Check Act notification / corrigendum.Related app support
Data inventory, retention, consent and breach records
R52 · Regulatory requirementDPDP substantive duties readiness
ReviewComplete or correct the entity facts before relying on this decision.
DPDP substantive duties readiness
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Rules 3, 5-16, 22-23 have an eighteen-month commencement period.
What to do next
Review the Act commencement notification and corrigendum before activating duties.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Processes digital personal data
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Rule 1(2)-(4), English text page 23: phased commencement.
2025-11-13 · Commencement text checked. Rule 4: one year. Substantive specified rules: eighteen months. Check Act notification / corrigendum.Related app support
Privacy readiness and evidence workspaces
R53 · Assessment requiredSEBI-regulated cyber / AML overlay
ReviewComplete or correct the entity facts before relying on this decision.
SEBI-regulated cyber / AML overlay
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
A separate securities-market registration needs its own framework and equivalence assessment.
What to do next
Confirm registration, CSCRF category and multi-regulator treatment.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Separate SEBI-regulated activity
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
15 modules and 238 navigation workspaces; source capability review.
2026-10-13 · Source reviewed. Existing screen does not certify a regulator-ready calculation or filing.Current master-circular listing; chapter and amendment review required.
2026-01-30 · Edition checked; detailed rule review required. Listing selects assessment; instrument / SME / chapter exemptions are not auto-certified.Related app support
Governed assessment; dedicated mapping not validated
R65 · Assessment requiredPayment security controls
ReviewComplete or correct the entity facts before relying on this decision.
Payment security controls
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Payment activity selects the appropriate category security assessment.
What to do next
Validate the payment licence, channel scope and current category security direction.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Payment services / direct settlement
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
Bank payment-controls and cyber evidence workspaces
FEMA & Legal
4 decisionsR54 · Assessment requiredFEMA and cross-border compliance
ReviewComplete or correct the entity facts before relying on this decision.
FEMA and cross-border compliance
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Relevant foreign holdings, funding, overseas investment or transactions select FEMA review.
What to do next
Select only the transaction-specific forms and authorisations.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Foreign investment / cross-border activity
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Bank / NBFC category families and current instrument discovery.
2026-10-13 · Current index checked. Index is not a substitute for reading the operative category and paragraph.Related app support
FEMA, FLA, FIRMS, ECB and ODI registers
R55 · Assessment requiredTax and withholding compliance
ReviewComplete or correct the entity facts before relying on this decision.
Tax and withholding compliance
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Tax footprint selects the statutory calendar assessment.
What to do next
Confirm registrations, thresholds and transaction-specific tax rules.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Tax / GST / withholding footprint
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
15 modules and 238 navigation workspaces; source capability review.
2026-10-13 · Source reviewed. Existing screen does not certify a regulator-ready calculation or filing.Related app support
Tax, GST, withholding and certificate registers
R56 · Regulatory requirementCSR threshold / continuing obligations
ReviewComplete or correct the entity facts before relying on this decision.
CSR threshold / continuing obligations
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Company-level prior-year thresholds or continuing unspent CSR obligations.
What to do next
Verify statutory net profit and continuing duties before a final determination.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Legal constitution
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
Q1.1 and Q1.2: company-level preceding-year criteria.
2021-08-25 · Official threshold reference checked. CSR screening only. Statutory profit and continuing obligations need review.Related app support
CSR and company-law assessment register
R57 · Assessment requiredEmployment, POSH and establishment compliance
ReviewComplete or correct the entity facts before relying on this decision.
Employment, POSH and establishment compliance
ReviewComplete or correct the entity facts before relying on this decision.
Requirement and trigger
Workforce footprint selects central, state and establishment assessment.
What to do next
Capture locations, headcount and establishment-specific thresholds.
Confirm missing facts, conflicting inputs or specialist regulatory evidence.
Resolve these facts
Your inputs behind this decision
- Employees / workforce in India
- Unknown
Profile validation, operating stage and supervisory restrictions also govern the final status. Unknown answers stay under review.
Official sources & scope limits
15 modules and 238 navigation workspaces; source capability review.
2026-10-13 · Source reviewed. Existing screen does not certify a regulator-ready calculation or filing.Related app support
Labour, POSH, licence and branch registers
CHANGE A FACT. COMPARE THE EFFECT.
Compare entities or test a variation.
Each column has its own complete set of criteria. Edit the key facts below or open the full profile.
Add a second profile to compare.
Build one entity, then duplicate it to test a threshold, deposit status or activity change. Or add another entity from scratch.
How decisions are calculated & what this reference covers
50 factual inputs feed the dated rule pack. Licence, classification, activities and overlays are assessed separately. Unanswered facts on a decision’s path remain under review; they are not assumed to be negative answers.
- Applies
- Included for this profile. Complete the control-specific review before operational use.
- Review
- Confirm missing facts, conflicting inputs or specialist regulatory evidence.
- Prepare
- Prepare for commencement or a phased requirement.
- Retain
- Preserve controls and evidence through restrictions or wind-down; confirm the continuing legal duties.
- Not triggered
- This rule is not selected by the supplied profile. Reassess when the facts change.
Shared rule pack RQ-APP-2026-10-13-v1.0, plus conservative unanswered-fact checks in this guided view and the Excel workbook. Excel has separate Bank and NBFC checklists with dependent dropdowns. Inactive answers are excluded from calculations but remain stored: recheck them after changing a licence or parent answer. Neither this screen nor the workbook is an exhaustive legal opinion or automatic permission to undertake an activity. Current category-specific directions, exceptions, supervisory orders and transition rules require review.
FROM SCOPE TO PRACTICE
Turn questions into a clear next step.
Use the readiness assessment to consider how your controls operate, or use the regulatory-change toolkit to record applicability decisions and follow-up actions.
Using the ready reckoner
What does “Applies” mean?
The rule is included by the facts entered and this dated rule set. Check its reason, source limitations and institution-specific evidence before operational use. Review, Prepare and Retain decisions remain separate so unresolved facts and lifecycle duties are visible.
Are my inputs saved or sent to RegQuanta?
No. Working profiles remain in this page’s memory and clear when you reload or leave. Up to four profiles can be compared without sending or storing their inputs. The CSV download contains your profile and all 65 decisions for your own records. An optional enquiry sends only the contact details and message you enter in that form.
Does the Excel download contain my current inputs?
No. Administrator-approved members with a verified email can download a standalone workbook with separate Bank and NBFC checklists and no prefilled institution facts. Inactive answers are excluded from calculations but remain stored, so recheck them after a licence or parent changes. Use “Download scope CSV” to keep your current browser inputs and results.
Can this determine every obligation or a different reporting date?
No. This is the 13 October 2026 screening snapshot, with explicit source limitations, not a complete legal determination or a live regulatory feed. Historical and future assessment dates require a separately reviewed rule version. It does not activate operational workspaces or change app permissions.
Published by RegQuanta · Guided view 2.0 · Editorial approach and attribution