Digital Lending Rules
Every digital loan checked against its KFS and the RBI rules, not a sample, before an audit finds it.
Why it matters
Lenders with many apps and lending service providers must prove a correct KFS before each disbursal, honour cooling-off exits and keep the CIMS app list current, mostly by sampling.
How the solution handles it
Agents read every KFS, recompute the APR from the actual fees, confirm money moved only between borrower and lender accounts, track cooling-off exits and watch each LSP and app. Exceptions arrive with the evidence; the chief compliance officer reviews them and certifies the DLA list.
How a digital loan is checked
Five agents read the KFS, recompute the APR, check fund flows, watch partners and apps, and log exceptions; a chief compliance officer reviews and certifies.
What it reads, and what it hands back.
What goes in
- Key Fact Statements and sanction letters
- Loan agreements and disbursal records
- LSP agreements and app details
- Fee, APR and repayment data
- DLA register for CIMS
What comes out
- Exceptions by loan and by LSP
- KFS and APR recalculation
- Cooling-off exit log
- DLA reporting pack for CIMS
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Sources: RBI (Digital Lending) Directions, 2025 (KFS, cooling-off ≥ 1 day, DLA reporting on CIMS) · “Target” = design goal, measured in the live solution · “Estimated” = our estimate · agents = the live solution’s configuration
5 specialist agents. One person decides.
More in this division.
Every new customer verified across ID, CKYC and Video KYC in minutes, ready for CKYCR upload.
Cash-Flow UnderwritingThin-file applicants judged on twelve months of real cash flow, every number traced to a transaction.
Identity FraudSynthetic identities and altered documents caught at the door, each flag shown with its evidence.
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