Fintech and NBFC Software Gurgaon — RBI Compliance for NCR Fintechs 2026
Gurgaon's fintech companies and NBFCs need RBI-compliant software — Digital Lending Directions, account aggregator integration, and SEBI-linked compliance. MICS provides fintech software for Gurgaon's PolicyBazaar, Paytm, and startup ecosystem.
Fintech and NBFC Software Gurgaon — RBI Compliance for NCR Fintechs 2026
Gurgaon is India's fintech capital — PolicyBazaar (insurance aggregation), BankBazaar, Paytm's corporate offices, Capital Float (SME lending), and hundreds of Series A-C funded fintech startups operate from Gurgaon's Sector 44, Udyog Vihar, and Golf Course Road. These companies face a complex and rapidly evolving regulatory environment — RBI's Digital Lending Directions 2025, IRDAI's insurance distribution regulations, SEBI's investment platform rules, and the Account Aggregator framework. MICS provides technology and compliance support for Gurgaon's fintech ecosystem.
Gurgaon Fintech Regulatory Stack
RBI Digital Lending Directions 2025
- KFS (Key Fact Statement): all loan disclosures — APR, processing fees, penalty rates
- LSP (Lending Service Provider) management: agreements, commission disclosures
- V-CIP: video KYC for digital-only loan origination
- Loan account statement: free on demand — automated statement generation
- Grievance redressal: 30-day resolution requirement — ticket tracking system
Account Aggregator (AA) Framework
- Financial Information Provider (FIP): banks, NBFCs share financial data
- Financial Information User (FIU): lenders, investment platforms consume AA data
- Consent management: user consent for AA data sharing — MICS implements AA SDK
- Data security: AES encryption, data minimisation — AA security requirements
- ReBIT specifications: technical compliance with ReBIT (Reserve Bank Information Technology)
IRDAI for InsurTech (Gurgaon's PolicyBazaar, Coverfox)
- POSP (Point of Sales Person) management: agent licensing and training records
- Insurance Web Aggregator: IRDAI licence compliance
- Regulatory reports: premium collection, claim settlement — IRDAI returns
SEBI for Investment Platforms
- RIA (Registered Investment Adviser): SEBI registration and compliance
- AMFI: mutual fund distributor compliance
- Research Analyst: SEBI Research Analyst regulations
MICS Fintech Software Features
Digital Lending Platform
- Mobile and web loan origination: Aadhaar OTP KYC, PAN verification
- Credit bureau integration: CIBIL, Equifax, Experian — real-time credit assessment
- Loan management system: EMI tracking, automated reminders, NPA management
- Collections: digital collections — UPI autopay, NACH mandate
Compliance Dashboard
- CIMS: monthly RBI supervisory data submission
- Digital Lending Directions checklist: real-time compliance status
- Audit trail: immutable log of all loan decisions — regulatory audit support
Pricing
- Digital lending platform: Rs. 25,000-60,000/month
- AA integration: Rs. 20,000-40,000/month (one-time setup + monthly)
- NBFC compliance module: Rs. 15,000-30,000/month
Free fintech compliance consultation for Gurgaon: +91 9355273535 | admin@mics.asia
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