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.
MICS Team··5 min read
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.
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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
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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
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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
Fintech SoftwareGurgaonNBFCRBI ComplianceAccount Aggregator
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