Where Fast Lending Meets the Right to Erasure.
NBFCs share borrower data across LSPs, fintech partners, and credit bureaus to move loans fast, but the DPDP Act demands honouring the Right to Erasure alongside RBI's KYC and Digital Lending Guidelines retention mandates. Digital Anumati automates consent across every partner in the chain.
LSP & Co-Lending Data Flow
Borrower data shared across multiple partners with no single scoped consent trail.
DPDP Act 2023
Requires the Right to Erasure be honoured across every partner, alongside RBI retention mandates.
Digital Anumati Resolution
Erasure in 7 Seconds
Loan closure or withdrawal cascades erasure 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.
One Loan, Many Partners, One Consent Trail
Follow a digital lending consent chain end to end — from LSP onboarding to instant, system-wide erasure at loan closure. Every hop scoped, logged, and RBI audit-ready.
- 01
Borrower Consent Captured
At loan origination on the LSP app, the borrower grants a DPDP-native consent — scope, purpose, and retention period stamped on an immutable receipt.
- 02
Token Shared with Fintech Partner
A cascading consent token flows to the digital lending / fintech partner sourcing the loan, carrying the exact scope limits the borrower approved.
- 03
Bureau Check, Scoped
The credit bureau pulls only the fields covered by consent for underwriting. Every access is written to the audit ledger for RBI inspection.
- 04
DSA & Recovery Access
Loan agents (DSAs) and recovery vendors receive time-boxed, purpose-bound visibility into borrower data — never the full loan file.
- 05
Closure Triggers Erasure
On loan closure or consent withdrawal, the kill switch propagates across every LSP and partner in 7 seconds, honouring the Right to Erasure while KYC records stay retained as RBI mandates.
CONSENT
TOKEN
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.