RBI Compliance Checklist & Digital Lending Guidelines

Audit FinTech and NBFC compliance with RBI Digital Lending Guidelines (DLG). Calculate 5% FLDG portfolio limits, verify direct account-to-account escrow routing, and simulate KFS True APR.

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How to Use RBI Compliance Checklist & Digital Lending Guidelines (DLG)

  1. Review operations against the DLG statutory checklist across direct fund routing, borrower consent, and privacy.
  2. Use the 5% FLDG Portfolio Calculator to check if contractual guarantee exposures breach statutory limits.
  3. Simulate True APR using the KFS calculator, factoring in all processing fees and third-party charges.
  4. Export the complete RBI Digital Lending Audit Report.

Direct Disbursement Mandate in Digital Lending

RBI DLG strictly bars pass-through or pool accounts managed by FinTech intermediaries. All loan drawdowns and repayments must execute directly between the RE and borrower accounts.

Frequently Asked Questions

What is the First Loss Default Guarantee (FLDG) 5% cap?
Under the RBI circular dated June 8, 2023, Regulated Entities entering into DLG arrangements with LSPs must ensure the total DLG cover does not exceed 5% of the outstanding portfolio.