Financial services · NBFCs & wealth
You hold KYC, PAN, and Aadhaar for every client
Show them — and AMFI, IRDAI, RBI, and your enterprise partners — that you take their data seriously. Privigo is the shared notice and consent layer across LOS, core/LMS, CRM, bureau, KYC, collections, and wealth rails.
- RBI + DPDPA together
- Bureau & LSP DPAs
- Verifiable badge for partners
NBFCs & lending
Two active regulatory obligations — not one future deadline
NBFC compliance officers face RBI Master Directions and the DPDP Act at the same time. Data localisation evidence, digital lending consent workflows, and third-party processor agreements for credit bureaus and LSPs must be handled together — not as separate compliance exercises.
| Stage | Typical data | RBI + DPDPA themes |
|---|---|---|
| Acquisition & KYC | PAN, Aadhaar, CKYC, video PD, WhatsApp journeys. | Explicit consent for KUA/CKYCR; service vs marketing separation. |
| Credit & bureau | Bureau pulls, bank analytics, underwriting. | Bureau consent artefacts; DPA with CICs; joint applicant linkage. |
| Digital lending / LSP | App permissions, device data, partner APIs. | RBI digital lending consent; LSP purpose maps; data localisation proof. |
| Collections | Dialler, field agents, settlements, recordings. | Agency scope; fair practices; hardship data sensitivity. |
MFD / IFA / wealth
KYC obligation meets AMFI empanelment pressure
Mutual fund distributors and financial planners hold KYC documents, suitability profiles, and transaction history for every investor. AMFI empanelment and AMC due diligence are starting to ask for verifiable data-handling evidence — not verbal assurances.
- Purpose-specific consent — advisory vs execution-only; product disclosures linked to orders.
- AMC partner pressure — as AMCs become DPDPA Compliant, they require DPAs and badge evidence from empanelled distributors.
- Enterprise client audits — corporate wealth and family-office clients ask the same questions during RFP and renewal.
- AI dual-format audit report — one export that maps to both DPDPA and your SEBI/AMFI documentation needs.
Privigo Guardrails
WhatsApp and chatbot flows leak PAN and Aadhaar daily
NBFCs and distributors use WhatsApp heavily for KYC reminders, EMI nudges, and onboarding. Privigo Guardrails scans every message for PII before it reaches an LLM or log file.