NBFC Loan Software — 2026 mein Kya Features Mandatory Hain?

NBFC Loan Software — 2026 Mandatory Features Checklist

RBI Digital Lending Directions 2025 ke baad NBFC loan software mein bahut saare naye features mandatory ho gaye hain. Is checklist se check karo aapka current software compliant hai ya nahi.

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Mandatory Features Checklist

✅ KYC & Verification
- ☐ Video KYC (V-CIP) integration
- ☐ Aadhaar OTP verification
- ☐ PAN verification via ITD
- ☐ CIBIL/Equifax credit score check
- ☐ Liveness detection in video KYC

✅ Loan Origination
- ☐ Digital application form
- ☐ Document upload (Income, Bank statements)
- ☐ AI-based credit scoring
- ☐ Automated sanction letter generation
- ☐ Key Fact Statement (KFS) generation

✅ Disbursement
- ☐ Direct bank transfer to borrower account only
- ☐ No third-party disbursement
- ☐ Disbursement summary to borrower via SMS/email
- ☐ Loan account statement — self-service portal

✅ CIMS Reporting (Mandatory)
- ☐ Monthly CIMS data submission to RBI
- ☐ Borrower-wise loan data format
- ☐ Automated report generation
- ☐ Error validation before submission

✅ Co-lending (if applicable)
- ☐ Bank partner integration
- ☐ Portfolio allocation tracking
- ☐ Settlement reconciliation

✅ Grievance Redressal
- ☐ Online complaint registration
- ☐ Complaint tracking (TAT)
- ☐ Escalation matrix

✅ Audit & Security
- ☐ Complete audit trail
- ☐ Role-based access control
- ☐ Data encryption at rest and transit
- ☐ DPDP Act 2023 compliance

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Non-Compliant? Penalties

- RBI cancel registration
- ₹1 crore+ penalty
- Reputational damage

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MICS Loan System

MICS ka Loan Management System upar diye gaye sab features ke saath aata hai — out of the box.

Pricing: ₹30,000/month
Go live: 4–6 weeks

Free demo aur compliance review ke liye contact karein.