Audit & Compliance
Every Action Logged. Every Decision Explainable. RBI-Ready.
Compliance is not a feature we added — it is the foundation we built on. Every agent action, every data access, every scoring decision generates an immutable audit trail that maps directly to RBI regulatory requirements.
Regulatory Alignment
Built for Indian Regulatory Requirements.
RBI Fair Practices Code
Every customer-facing decision follows Fair Practices Code guidelines. Rejection reasons are documented with policy references.
IRAC Norms
Asset classification follows Income Recognition, Asset Classification, and Provisioning norms. Automated NPA identification and provisioning triggers.
KYC/AML Compliance
Identity verification and anti-money laundering checks integrated into the application pipeline. Suspicious transaction flagging.
DPDPA Alignment
Data processing compliant with the Digital Personal Data Protection Act. Purpose limitation, consent management, and data minimisation built in.
NHB Directives
Housing finance-specific compliance for NHB-regulated entities. LTV calculations, property valuation norms, and exposure limits.
NBFC Master Direction
Comprehensive compliance mapping for RBI NBFC Master Direction — capital adequacy, ALM, and concentration norms.
Audit Trail
Your Next RBI Audit Will Be the Easiest One Yet.
Every agent action generates an immutable log entry: what was accessed, what was computed, what was decided, and why. Audit trails are generated in real-time — not reconstructed after the fact.
Explainability
No Black Boxes. Complete Decision Transparency.
Reasoning Chains
Every credit decision includes a step-by-step reasoning chain linking data inputs to scoring outputs to final recommendations.
Policy Traceability
Each scoring factor maps to a specific clause in your credit policy. Auditors can verify that every decision followed approved rules.
Deviation Tracking
When recommendations deviate from standard parameters, the system flags and documents the rationale — no silent overrides.
Rejection Documentation
Every rejection includes specific reasons mapped to policy clauses, supporting Fair Practices Code requirements for borrower communication.
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