RBI P2P Audit
Rigorous information security and compliance audits tailored for Peer-to-Peer (P2P) lending platforms. Ensure alignment with the latest RBI NBFC-P2P guidelines.
RBI Guidelines for P2P Platforms
Peer-to-Peer lending platforms bridge individual lenders and borrowers. Under the **NBFC-Peer to Peer Lending Platform Directions (2017)**, the **Reserve Bank of India (RBI)** enforces strict limits on maximum credit exposure and demands that platforms do not hold borrower or lender capital directly.
Because P2P systems process sensitive KYC metrics and connect third-party escrow accounts, regular cybersecurity audits are required. We inspect escrow logic, lender match-making flows, loan dashboards, borrower privacy safeguards, and overall system boundaries.
Why RBI P2P Audits?
Avoid Severe Regulatory Fines
Maintain P2P operational license in full compliance with active RBI central banking directives.
Validate Escrow Isolation
Confirm fund transfers are completely routed via two-way escrow channels with no capital pooling.
Protect Borrower Identity & KYC
Assess borrower scoring safety, data-at-rest encryption, and client credential isolation.
Certified Regulatory Filing
Secure the system and cybersecurity audit certification required annually for submission to the RBI.
Audit Lifecycle
A structured, end-to-end framework to assess compliance against RBI Peer-to-Peer lending platform guidelines.
Escrow & Flow Scoping
Evaluating the platform's escrow configurations, fund routing protocols, and confirming zero retention of borrower funds.
Lending Engine & KYC Audit
Reviewing borrower-lender matching mechanisms, interest calculations, KYC compliance, and data segregation.
Technical Control & VAPT
Conducting vulnerability tests on lender portfolios, borrower interfaces, credit scoring servers, and transaction APIs.
Compliance Certification
Drafting the System Audit Report and verifying resolution of gaps for official submission to the RBI.
Ensure Complete
RBI P2P Compliance
Secure your lending portals and Escrow fund transfers. Schedule audits with our CERT-In empanelled auditing experts.