Resource Hub · RBI Compliance
RBI Compliance — The Complete Hub
Everything RBI-regulated entities need: cyber framework, SAR, NBFC IT norms, payment-system audits and the new AI governance regime.
RBI supervision now spans cyber-security frameworks, IT governance, payment-system rules, data localization and — with FREE-AI and the draft Model Risk Management guidance — AI governance. Banks, NBFCs, cooperative banks and payment operators face examinations where evidence quality decides outcomes.
This hub organises CyberSigma's RBI content by obligation, from framework explainers to submission-ready audit services — delivered by senior auditors who sit in RBI examination rooms with clients.
Who this applies to
- Commercial, small-finance, payments and cooperative banks.
- NBFCs across Base/Middle/Upper layers; HFCs; ARCs and credit-information companies.
- Payment aggregators, gateways and PSS-licensed operators.
- Triggers: RBI inspection or circular, SAR deadline, NBFC reclassification, AI/ML model deployment, audit observations.
The compliance journey
- 1. Know your framework — read the guide Which RBI directions apply to your entity class.
- 2. Self-assess — read the guide Score against the Cyber Security Framework.
- 3. Audit & submit — read the guide IS audit, SAR, VAPT — in RBI-accepted formats.
- 4. Fix the gaps Prioritised remediation with examination-grade evidence.
- 5. Prepare for AI rules — read the guide FREE-AI + draft MRM readiness before enforcement.
Everything in this cluster
Learn
By obligation
Prepare
Tools & assessments
Frequently asked questions
Which RBI cyber requirements apply to us?
It depends on your entity class — banks, NBFC layer, cooperative category or PSS licence each map to different directions. Our framework guide walks the classification.
What is the SAR and who must file it?
The System Audit Report under RBI's data-localization mandate applies to payment-system participants — it certifies payment data is stored only in India, and must come from an empanelled auditor.
What is FREE-AI and the MRM guidance?
RBI's AI governance regime: the FREE-AI framework (2025) plus the draft Model Risk Management guidance (2026) requiring board-approved frameworks, model inventories, independent validation and AI-specific controls.
Are your reports accepted by RBI?
Yes — CERT-In empanelled testing and audit deliverables structured for RBI submission, prepared by senior auditors with direct examination experience.
Talk to a senior auditor
Scoping within 48 hours — CERT-In empanelled, PCI QSA authorized, never junior testers.