For Banks, NBFCs, Payment Aggregators & PPI Issuers
RBI says: “Board-approved cybersecurity policy, annual VAPT, continuous monitoring, 6-hour incident reporting.” We automate all of it.
Bachao.AI maps every RBI IT Framework control to a specific product and implementation — so your compliance team knows exactly what's covered and how fast you can get there.
RBI IT Framework — Control Mapping
Every RBI Master Direction control mapped to a Bachao.AI product — so your compliance team knows exactly what's covered and how we deliver it.
| Sec. | Control | RBI Requirement | Bachao.AI Product | How We Deliver |
|---|---|---|---|---|
| 3.1 | Board-approved Cybersecurity Policy | Board must approve and review cybersecurity policy annually | Compliance Automation | AI generates board-ready cybersecurity policy documents aligned to RBI guidelines. Annual review reminders and version tracking. |
| 3.2 | Cybersecurity Governance Framework | CISO appointment, security organization structure, roles & responsibilities | vCISO AI Copilot | AI-powered vCISO dashboard with role-based access, policy tracking, and board reporting. For entities without a full-time CISO. |
| 4.1 | VAPT of Critical Systems | Annual vulnerability assessment and penetration testing of all critical systems | AI VAPT Scanner | Automated VAPT with Nuclei + ZAP + Nmap. AI-validated findings. CVSS scoring. Compliance-mapped reports. |
| 4.2 | IS Audit | Annual Information Systems audit covering IT infrastructure, applications, and processes | Compliance Automation + Cloud Security | Prowler-based cloud posture assessment + compliance evidence collection. Maps to IS audit checklist requirements. |
| 5.1 | Continuous Vulnerability Monitoring | Ongoing monitoring of IT infrastructure for new vulnerabilities | Attack Surface Management | Daily discovery scans across all internet-facing assets. AI-prioritized risk scoring. Auto-triggers VAPT on high-risk findings. |
| 5.2 | Network Security & Segmentation | Firewall rules, network segmentation, intrusion detection | MSSP-Lite (SOC-as-a-Service) | Wazuh SIEM deployment with AI-powered alert triage. 24/7 monitoring. Intrusion detection across network segments. |
| 6.1 | Incident Response Framework | Documented IR plan, 6-hour CERT-In reporting, root cause analysis | Incident Response Retainer | 2-hour SLA response. AI auto-drafts CERT-In 6-hour notification. Root cause analysis with AI-accelerated log forensics. |
| 6.2 | CERT-In Incident Reporting | Mandatory 6-hour reporting for all cyber incidents to CERT-In | Cyber Forensics | AI-powered forensics with automated CERT-In report generation. Evidence chain maintained per Indian Evidence Act Section 65B. |
| 7.1 | Employee Security Awareness | Regular security awareness training for all employees | Platform training (free) | Self-service platform with built-in security guides and best practices documentation. |
| 7.2 | Phishing Resilience | Testing employee susceptibility to phishing attacks | Contact for custom solution | India-specific phishing simulation with Hindi/regional language templates. Contact for enterprise pricing. |
| 8.1 | Data Protection & Privacy | Data classification, encryption, access controls, DPDP Act compliance | DPDP Compliance + Consent Manager | DPDP readiness assessment, consent management SDK with 22 Indian languages, data principal rights portal. |
| 9.1 | Cloud Security | Cloud security posture management, data localization, encryption | Cloud Security (CSPM) | Continuous AWS/Azure/GCP misconfiguration scanning. RBI cloud adoption framework aligned. Data residency checks. |
| 10.1 | Third-Party Risk Management | Vendor security assessment, supply chain risk monitoring | ASM + Dark Web Monitoring | Continuous vendor attack surface monitoring. Dark web alerts for vendor credential leaks. AI vendor risk scoring. |
| 11.1 | Application Security | Secure SDLC, code review, application security testing | DevSecOps + RASP | SAST, SCA, container scanning in CI/CD. RASP runtime protection blocks exploits in production. AI generates fix PRs. |
Complete NBFC & bank cybersecurity audit coverage
Every control domain the RBI IT Master Direction requires — automated, evidence-backed, examiner-ready.
RBI IT Master Direction Coverage
All 14 mandatory control domains mapped — Board policy, VAPT, IS Audit, incident response, CERT-In reporting, cloud, third-party risk and more.
NBFC Tier-Based Compliance
Audit scope automatically calibrated to your NBFC tier — Upper, Middle, or Base Layer — based on RBI's asset-size classification.
IRDAI Cybersecurity Alignment
Insurance companies and IRDAI-regulated entities get reports mapped to IRDAI's Information and Cyber Security guidelines alongside RBI controls.
CERT-In Incident Reporting
Pre-built CERT-In incident report templates with 6-hour submission timelines. Never miss a mandatory breach notification again.
IS Audit Ready Evidence
Automated evidence collection with SHA-256 hash verification. Every finding is timestamped and archived — ready for RBI examiner review.
Continuous Monitoring
Monthly posture checks between annual audits. Track your RBI IT compliance score in real-time and fix issues before examiners arrive.
How the audit delivery model works
RBI and SEBI mandate sign-off by CERT-In empaneled firms. Bachao.AI runs the automated scanning and evidence collection — you invite your CERT-In auditor as a scoped user; they review and sign.
Step 1
Bachao.AI runs automated VAPT, compliance scans, and evidence collection using AI + open-source tools — your auditor reviews and signs
Step 2
Certified partner firm reviews findings, validates critical issues, and adds manual testing where required
Step 3
Partner signs the audit report. You get CERT-In compliant documentation at 50-70% less cost than traditional firms
Partner firms in our network include CERT-In empaneled auditors, PCI DSS QSAs, and ISO certification bodies. Become a partner →
Our BFSI advisory board includes Kalpesh Surjiani (vCISO & TISO, Ex-CyberNX Technologies) — a specialist in RBI Master Directions, SEBI CSCRF, and IRDAI compliance. Meet our advisory board →
How the audit works
From scoping to RBI-ready report in 48 hours.
SCOPE
We classify your entity tier (NBFC Upper/Middle/Base, bank, insurance) and map the applicable RBI/IRDAI control set.
SCAN
Automated VAPT, IS audit checks, cloud config review, and dark web monitoring run against your infrastructure.
ASSESS
Findings are mapped to RBI IT Master Direction control numbers with risk scores and compliance gap analysis.
DELIVER
RBI-examiner-ready audit report with evidence archive, remediation roadmap, and CERT-In templates — in 48 hours.
What others charge for NBFC audits
Same RBI IT Master Direction coverage. Significantly lower cost.
| Vendor | Price |
|---|---|
| Big 4 (KPMG/Deloitte/EY/PwC) | Enterprise pricing |
| CERT-In empanelled firms | Per-engagement fee |
| Regional cybersecurity firms | Per-engagement fee |
| Bachao.AI | Pay-per-use · materially lower |
Recommended BFSI Stack
Full RBI IT Framework compliance coverage in one vendor.
One vendor for full RBI IT Framework coverage — significantly lower cost than managing multiple specialist providers.
Get a Custom Quote for Your BFSI Stack →Start free. Scale when the risk is real.
Every Banking Security Suite engagement is scoped to your actual attack surface — no flat subscription that pretends every project is the same. Our automated approach typically costs materially less than traditional VAPT providers for equivalent coverage.
Start with a free scan → see your risk profile → discuss scope → get a quote that fits your project.
Starter
For SMEs and startups who need a credible security report for their board or compliance checklist.
- Full findings with remediation steps
- OWASP Top 10 mapping
- HTML report, free once domain verified
- PDF + verifiable Certificate of VAPT — paid add-on
- Basic CERT-In compliance mapping
Professional
For Series A+ companies and NBFCs who need continuous monitoring and a DPDP / CERT-In compliant report.
- Everything in Starter
- Authenticated / grey-box scanning
- API endpoint testing
- DPDP Act compliance report
- Weekly automated rescans
- WhatsApp + email alerts
Enterprise
For large organisations and CISOs who need full-scope testing and a board-ready compliance audit trail.
- Everything in Professional
- White / grey / black-box options
- Org-wide scope, unlimited assets
- Custom framework mapping (RBI, SEBI, ISO 27001)
- CISO dashboard + multi-project view
- Dedicated review call each quarter
Scope discussed on a free 15-min call · No commitment required
Frequently asked questions
What cybersecurity audit do NBFCs need in India?▼
NBFCs must comply with RBI's IT Master Direction which requires periodic VAPT, IS audits, network security assessments, and CERT-In incident reporting. The audit frequency and scope depends on the NBFC's asset size — Upper Layer NBFCs (assets above ₹10,000 crore) have the most stringent requirements.
What is the RBI IT Master Direction for NBFCs?▼
RBI's IT Master Direction sets mandatory cybersecurity standards for all NBFCs. It covers IT governance, cyber risk management, network security, application security (VAPT), data protection, incident response, and CERT-In reporting — with 14 control domains and tiered obligations based on asset size classification.
How often do NBFCs need a cybersecurity audit in India?▼
RBI requires NBFCs to conduct IS audits at least annually. Upper Layer NBFCs (assets above ₹10,000 crore) have more frequent assessment requirements. After any major system change or significant infrastructure upgrade, a fresh audit is recommended. Bachao.AI offers continuous automated monitoring between annual audits.
What is the cost of an NBFC cybersecurity audit in India?▼
Traditional NBFC cybersecurity audits by CERT-In empanelled firms and Big 4 are priced at per-engagement enterprise rates. Bachao.AI gives you the same RBI IT Master Direction-aligned evidence pack at materially lower cost — pay-per-use — with 48-hour turnaround instead of weeks. Your CERT-In auditor signs the final report.
Does your audit cover IRDAI cybersecurity requirements for insurance companies?▼
Yes. Bachao.AI's audit covers IRDAI's cybersecurity guidelines for insurance companies alongside RBI requirements. Our reports map findings to IRDAI's Information and Cyber Security guidelines for insurers, enabling insurance companies to address both regulatory frameworks in a single engagement.
Is CERT-In empanelment required for NBFC cybersecurity audits?▼
RBI prefers CERT-In empanelled auditors for IS audits of regulated entities. Bachao.AI follows CERT-In aligned methodology and works with CERT-In empanelled partners to ensure your audit report meets RBI examiner standards — giving you both cost efficiency and regulatory acceptance.
Explore more products
Bachao.AI covers your entire security surface — from code to cloud to compliance.
Schedule a BFSI Security Assessment
Get a custom compliance gap analysis mapped to RBI IT Framework requirements for your entity type. Free for qualified BFSI organizations.