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ARM Innovations
Regulatory | RBI System Audit Report

Secure SAR Audit Services

Ensure your payment systems meet the mandatory RBI SAR requirements. As a CERT-In empanelled organization, we help you validate data sovereignty.

Payment Security

The System Audit Mandate

The **System Audit Report (SAR)** is a critical regulatory pillar for any entity operating in the Indian payments ecosystem. It verifies that all transaction data is localized as per RBI's directives.

Non-compliance can lead to severe operational restrictions. Our audit covers the 17 comprehensive domains mandated by RBI and NPCI.

Payment System Operators (PSOs)
Scheduled Commercial Banks
Payment Aggregators & Gateways
Systemically Important NBFCs
White Label ATM Operators
Prepaid Payment Instrument Providers

Our SAR Methodology

Info Gathering

Reviewing payment data elements, transaction flow charts, and localized storage maps.

Technical Validation

Testing data at rest/motion, crypto-controls, and server locations with technical proof.

Remediation Support

Assisting your team in addressing identified gaps in IT governance or architecture.

CISA Certification

Issuing the final board-approved report signed by a CISA auditor for RBI filing.

Technical Audit Domains

We deep-dive into the technical stack to ensure zero discrepancies in data flow and storage.

Data Localization

Verifying that all payment-related transaction data is stored exclusively on servers located within India.

Transaction Mapping

End-to-end flow visualization for data at rest and in motion across servers, databases, and APIs.

Encryption Controls

Validating HSM usage, key management, and masking of sensitive payment data elements.

IT Governance

Reviewing board-approved security policies and adherence to NPCI/RBI 17 critical domains.

Localized & Secure

Authorize Your Payment Legacy

Don't let data localization gaps stop your operations. Get your RBI SAR audit completed by certified experts today.

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