Cybersecurity Audit for NBFCs
NBFCs operate under the RBI Master Direction on IT Governance, Risk, Controls and Assurance Practices (the 'NBFC IT framework') and, where applicable, RBI's Digital Lending Guidelines and DLG framework. Digital Defense provides a single audit engagement covering all of it — including the additional layered supervisory framework applicable to upper-layer NBFCs.
Who needs this
Base, Middle, Upper and Top layer NBFCs
Digital lending NBFCs and their LSP / DLG partners
Microfinance NBFCs (NBFC-MFI)
Housing finance companies (HFCs) under NHB / RBI
Account aggregator (AA) and FIU entities
Problems we solve
- 01
Repeated RBI inspection findings on IT governance, change and access management
- 02
Digital lending app inadequate consent + data-handling under RBI DLG
- 03
DLG partner due diligence inadequate; LSP onboarding controls weak
- 04
Recovery / collection workflows leaking PII (call recording, OCEN flow)
- 05
Loan-origination KYC bypass via mule / synthetic KYC paths
Our methodology
- 1
RBI IT framework gap-assessment
Mapping to the NBFC IT framework + supplementary RBI circulars (DLG, MFI, HFC).
- 2
VAPT
Customer app, agent app, LMS, BRE, KYC, collection, partner integrations.
- 3
DLG partner risk review
LSP onboarding, data-flow review, model-risk review, OCEN/AA integration assessment.
- 4
Cloud + DevSecOps
AWS/Azure/GCP misconfig review, IAM, secrets, CI/CD supply-chain integrity.
- 5
Reporting
CERT-In Empanelled auditor signed report + RBI evidence matrix + remediation tracker.
What you receive
RBI IT framework gap-assessment report
VAPT report covering customer/agent/LMS/collection flows
DLG partner risk-review report
Cloud security posture report
Auditor signed audit report + 90-day remediation tracker
Frequently asked questions
Do you cover upper-layer NBFCs?
Yes — including the additional risk-management, IT-governance and cybersecurity expectations that apply at upper-layer.
Does your audit cover RBI's Digital Lending Guidelines?
Yes. We assess LSP onboarding, data-handling, model risk, consent management, and the audit obligations under DLG including DLG partner due-diligence.
Can you do CKYC and Aadhaar e-KYC audits?
Yes — including the UIDAI AUA/KUA audit if you operate as an AUA/KUA.
How does the audit handle multi-tenant SaaS lending stacks?
We coordinate with your SaaS provider for evidence on their security; we audit the integration boundary, your KYC / consent / data-handling, and your incident response coverage.
How often must NBFCs run cybersecurity audits?
Annual minimum under the RBI IT framework; quarterly VA expected; event-driven audits after major changes or incidents.
Ready to scope this engagement?
Talk to Digital Defense — India's CERT-In Empanelled cybersecurity team.
Book a consultation