Where RBI Retention Ends, DPDP Consent Begins.
India's only consent platform that resolves the conflict between the Right to Erasure and mandatory regulator retention — purpose-built for banks, NBFCs, fintechs, and insurers.
RBI / SEBI / IRDAI
Retain KYC data for 5–10 years. Deletion not permitted during retention period.
DPDP Act 2023
Customer invokes Right to Erasure. Delete within 7 days of withdrawal.
Digital Anumati Resolution
Kill Switch Active
Consent revocation → system-wide in 7 seconds
Zero-Friction Compliance for the Trust Economy
A unified dashboard gives financial institutions real-time insight into consent health, regulatory compliance, and partner ecosystem activity.
Financial data doesn't fit a one-law compliance model.
Banks, NBFCs, insurers, and fintechs sit at the crossroads of multiple, often conflicting, regulatory mandates. Standard consent platforms were built for simpler data flows — not for regulated financial institutions.
Co-lending & bancassurance consent chains
Customer data flows across Bank → NBFC → Bureau → Recovery Agent. One consent, five parties, zero unified tracking without a purpose-built system.
Retention vs. erasure conflict
DPDP Act says delete. RBI says keep KYC for 10 years. No standard platform resolves this automatically — until now.
Account Aggregator & UPI data flows
FIP-FIU consent artefacts must be audit-ready and instantly revocable under the ReBIT-aligned AA framework.
Multi-regulator audit readiness
RBI inspections, SEBI audits, IRDAI reviews — each requires a different consent evidence format. Manual preparation is a liability.
One Consent, Five Parties, Zero Blind Spots
Follow a co-lending consent chain end to end — from bank onboarding to instant, system-wide revocation. Every hop scoped, logged, and audit-ready.
- 01
Consent Captured
Customer grants a DPDP-native consent at bank onboarding — scope, purpose, and expiry stamped on an immutable receipt.
- 02
Token Cascades
A cascading consent token propagates to the co-lending NBFC partner with defined scope limits — automatically.
- 03
Bureau Pull
Credit bureau accesses only permitted fields. Every read is logged to the audit ledger, regulator-ready.
- 04
Recovery Scope
Recovery agent receives time-boxed, purpose-bound access — never the full customer record.
- 05
Withdraw & Kill
Consent revoked → kill switch propagates across all five parties in 7 seconds, not 7 days.
CONSENT
TOKEN
Built for every financial workflow
From digital lending to wealth management — every scenario where customer data crosses a regulatory boundary.
Digital Lending & BNPL Consent
Purpose-bound consent follows data to every downstream processor — NBFC, credit bureau, DSA — via Cascading Consent Token.
KYC & Policy Issuance Artefacts
MeitY-grade consent records for every policy. IRDAI retention and DPDP erasure conflicts resolved automatically.
Account Aggregator (AA) Consent
ReBIT-aligned FIP-FIU artefacts with automated expiry, revocation, and re-consent — audit trail ready for RBI & SEBI.
SEBI LODR & Portfolio Data
Granular investment-product consent with SEBI LODR-structured audit logs, exportable on demand for regulators.
Enterprise-grade. BFSI-hardened.
Immutable Consent Ledger
Tamper-proof, timestamped audit trail for every consent event across the full lifecycle. MeitY-compliant. Ready for RBI and SEBI inspection from Day 1.
Audit-ReadyConflict-Resolution Engine
The only consent platform that automatically resolves RBI retention vs. DPDP erasure conflicts — without a manual DPO stepping in each time.
BFSI-ExclusiveMulti-Party Consent Chain
Cascading tokens propagate consent scope and purpose limits across co-lending, bancassurance, and recovery agent ecosystems in real time.
Co-Lending Ready22-Language Consent Notices
All 22 Scheduled Indian languages supported. Customers in tier-2 and tier-3 markets receive consent notices in their own language — fulfilling DPDP Act Section 5 requirements.
Section 5 CompliantDPO Co-Pilot Dashboard
Real-time consent health score, outstanding DSR queue, regulator-ready reports, and breach notification SLA tracker — all in one unified view for your DPO team.
DPO-ReadyCBS / CRM Integration
API-first architecture with pre-built connectors for Finacle, BankFusion, Salesforce Financial Services Cloud, Zoho CRM, and custom CBS systems.
No-Code PluginsCompliance Solutions for BFSI
Digital Anumati automates consent management across complex financial ecosystems while maintaining regulatory compliance.
Conflict-Resolution Engine
Logic-based workflows prevent data deletion if RBI retention periods (e.g., 5–10 years for KYC records) haven't lapsed while marking the data as 'Consent Withdrawn.'
Multi-Party Consent
Capture and track consent across co-lending and bancassurance ecosystems, ensuring fintech partners stay within the primary fiduciary’s mandate.
Immutable Audit Logs
Generate MeitY-compliant consent artefacts for every credit card application or loan lead to protect institutions from penalties up to ₹250 Cr.
Deep-Dive Use Case: The Co-Lending Consent Chain
In modern digital lending ecosystems, customer data flows across multiple financial entities, making consent tracking complex.
The Scenario
A Digital Bank partners with an NBFC to provide a loan. Customer data flows through multiple entities:
Each participant processes the data for different purposes, making consent governance extremely difficult without a unified system.
The Digital Anumati Solution
Digital Anumati creates a Cascading Consent Token. When the customer clicks “I Agree” in the bank app, consent boundaries automatically propagate across the ecosystem.
- Consent limits automatically pushed to NBFC partners
- Credit bureaus receive only approved data scope
- Recovery agents operate within defined consent limits
- If consent is withdrawn, a system-wide Kill Switch triggers
Automate Compliance Across the BFSI Ecosystem
Ensure DPDP compliance without conflicting with RBI retention rules while protecting customer trust.