DPDP Compliance for NBFCs
Consent-First Lending for Non-Banking Financial Companies
Honour the Right to Erasure under the DPDP Act while meeting RBI Scale-Based Regulation, KYC and Digital Lending Guidelines retention mandates.
“Lend fast, stay compliant. Automate consent across every LSP and co-lending partner.”
Compliant Digital Lending at Scale
A single dashboard gives NBFCs real-time visibility into borrower consent, Lending Service Provider (LSP) activity and RBI Digital Lending Guidelines compliance.
The Compliance Challenge
NBFCs collect borrower data through a web of Lending Service Providers and digital lending apps. The DPDP Act grants borrowers the Right to Erasure, yet RBI mandates KYC and loan records be retained for years after closure, and Digital Lending Guidelines require explicit, auditable borrower consent before any data is shared with third parties.
Compliance Solutions for NBFCs
Digital Anumati automates borrower consent across digital lending ecosystems while keeping NBFCs aligned with RBI regulations.
Retention-Aware Erasure
Logic-based workflows block deletion of KYC and loan records until RBI retention periods lapse, while flagging the borrower as 'Consent Withdrawn' for all future processing.
LSP & Co-Lending Consent
Capture and propagate borrower consent across Lending Service Providers, digital lending apps and co-lending partners, keeping every entity within the NBFC's fiduciary mandate.
Audit-Ready Consent Artefacts
Generate tamper-proof, time-stamped consent logs for every loan application and DLG disclosure, protecting NBFCs from DPDP penalties of up to ₹250 Cr.
Deep-Dive Use Case: The Digital Lending Consent Chain
In RBI-regulated digital lending, borrower data passes through Lending Service Providers and recovery partners, making consent tracking complex.
The Scenario
An NBFC sources a borrower through a digital lending app and shares data across the chain:
Each party processes borrower data for a different purpose, making DLG-compliant consent governance near impossible without a unified system.
The Digital Anumati Solution
Digital Anumati issues a Cascading Consent Token. When the borrower taps “I Agree” in the lending app, consent boundaries automatically propagate across every partner.
- Consent limits automatically pushed to LSP partners
- Credit bureaus receive only the approved data scope
- Recovery agents operate within defined consent limits
- If consent is withdrawn, a system-wide Kill Switch triggers
Automate Compliance Across Your Lending Ecosystem
Ensure DPDP compliance without conflicting with RBI retention and Digital Lending Guidelines while protecting borrower trust.