Precision Compliance for High-Stakes Finance

Balance the Right to Erasure under the DPDP Act with mandatory retention requirements mandated by RBI, SEBI, and IRDAI.

“Don’t let DPDP requirements conflict with RBI regulations. Automate the middle ground.”

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.

The Compliance Challenge

Financial institutions must carefully balance customer privacy with regulatory obligations. While the DPDP Act grants customers the Right to Erasure, regulators such as RBI, SEBI, and IRDAI require financial data to be retained for several years.

Compliance 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deletion if RBI retention periods (e.g., 5–10 years for KYC records) haven't lapsed while marking the data as 'Consent Withdrawn.'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:

Bank → NBFC → Credit Bureau → Debt Recovery Agent

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  • • If consent is withdrawn, a system-wide Kill Switch triggers
Key Metric: Reduce consent revocation processing time from 7 days → 7 seconds.

Automate Compliance Across the BFSI Ecosystem

Ensure DPDP compliance without conflicting with RBI retention rules while protecting customer trust.