What cybersecurity compliance do Indian fintechs need?

Indian fintechs regulated by RBI need to comply with the RBI IT Framework, which requires annual VAPT, IS audits, and incident reporting to CERT-In. Additionally, DPDP Act compliance for customer data handling and PCI DSS for payment processing are mandatory.

Is VAPT mandatory for RBI regulated fintechs in India?

Yes. RBI's IT Framework requires all regulated entities including NBFCs, payment aggregators and fintechs to conduct periodic Vulnerability Assessment and Penetration Testing (VAPT). The frequency depends on the entity's risk category.

What is the RBI IT Framework for fintechs?

The RBI IT Framework sets cybersecurity standards for all RBI-regulated entities. It mandates IT governance, network security, application security (VAPT), data protection, incident management, and CERT-In reporting obligations.

How does the DPDP Act affect Indian fintechs?

Fintechs collect sensitive personal and financial data, making DPDP Act compliance critical. Requirements include obtaining valid consent, implementing security safeguards (VAPT, encryption), breach notification within prescribed timelines, and data minimisation practices.

What is PCI DSS compliance for Indian payment companies?

PCI DSS is mandatory for any Indian company processing card payments. It requires network segmentation, encryption, access controls, and annual security assessments. Bachao.AI's VAPT covers PCI DSS requirements.

How often should Indian fintechs conduct penetration testing?

RBI mandates at least annual VAPT for regulated entities, with higher-risk NBFCs requiring half-yearly testing. After any significant system change or new application launch, a fresh VAPT is recommended. Bachao.AI offers continuous automated testing.

What cybersecurity regulations apply to Indian fintechs?

Indian fintechs face three overlapping regulatory frameworks: RBI's Payment Aggregator and Cybersecurity guidelines (for payment processors and lending apps), SEBI's CSCRF (for market infrastructure participants and registered intermediaries), and the DPDP Act 2023 (for any fintech processing user personal data). Bachao.AI's fintech platform covers all three with a single subscription — automated VAPT, compliance dashboards, and audit-ready reports.

How long does RBI and SEBI cybersecurity compliance take for a fintech?

Bachao.AI's structured compliance programme gets most Indian fintechs audit-ready in 30 days. The first two weeks cover automated VAPT and gap assessment against RBI/SEBI requirements. Weeks 3–4 focus on remediation of critical findings and policy documentation. A final compliance report is delivered at day 30, ready for regulator or investor due diligence review.

Does Bachao.AI help with RBI's mandatory annual VAPT for payment aggregators?

Yes. RBI requires payment aggregators and payment gateways to conduct annual security audits by CERT-In empanelled auditors. Bachao.AI's automated platform performs the technical assessment, which our empanelled audit partners review and certify. The result is a CERT-In aligned VAPT report accepted by RBI for licence renewal and compliance submission.

How much does fintech cybersecurity compliance cost in India?

Bachao.AI fintech compliance is a subscription that replaces multiple point solutions — VAPT vendor, vCISO retainer, and compliance software — at a fraction of the combined cost. Pricing is tiered by fintech stage (seed, growth, scale). Most Series A fintechs find Bachao.AI 40–60% cheaper than maintaining separate vendor relationships for each compliance requirement.

What happens if a fintech fails RBI or SEBI cybersecurity audit?

Failing an RBI or SEBI cybersecurity audit can result in regulatory notices, payment licence suspension, or restrictions on new customer onboarding. Bachao.AI's continuous monitoring approach prevents audit failures by keeping your security posture current year-round — not just in the weeks before the annual audit. If you've already received a regulatory notice, our rapid remediation programme can address critical findings in 7 days.

For NBFCs & Fintechs

RBI expects zero breaches.
We help you get there.

Automated VAPT, IS Audit readiness, and DPDP compliance — built for regulated financial entities at a fraction of traditional costs.

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The Regulatory Reality

RBI mandates annual VAPT for all NBFCs and payment aggregators.

Non-compliance risks license suspension, monetary penalties, and reputational damage. The DPDP Act adds up to ₹250 Crore in penalties for data protection failures. Most NBFCs pay enterprise per-engagement rates for assessments and wait 4–8 weeks for results.

Note: Bachao.AI is not CERT-In empanelled. Our automated scans complement but do not replace empanelled auditor assessments required by RBI for regulated entities.

Three frameworks. One platform.

Bachao.AI maps scan findings to every framework your auditors will check.

RBI IT Framework

Vulnerability Assessment & Penetration Testing (VAPT)
IS Audit readiness documentation
Network and application security assessment
Incident response plan review

DPDP Act 2023

Schedule I technical safeguards mapping
Data protection gap analysis
Consent mechanism review
Breach notification readiness (72-hour)

SEBI CSCRF

Cyber capability assessment
SOC monitoring review
Third-party risk assessment
Incident reporting to CERT-In

Why regulated entities choose us

~85% less

vs manual pentests

automated VAPT, scope-based pricing

~2 hrs

Report delivery

vs 4–8 weeks from traditional firms

9,000+

Nuclei templates

OWASP Top 10 + India-specific checks

CERT-In

Aligned

Methodology follows CERT-In assessment standards

From scan to audit-ready report in under 2 hours

Submit your domain

Enter your application URL. DNS TXT verification proves ownership (IT Act 2000 compliant).

Automated scan executes

Nuclei, ZAP, Nmap, and SSLyze run in an isolated Firecracker microVM. No impact on production.

AI validates findings

Claude AI re-tests every finding, eliminates false positives, and maps results to RBI/DPDP/SEBI frameworks.

Compliance-mapped report

Receive a PDF + JSON report with remediation steps, DPDP gap analysis, and a fix quote — ready for your auditors.

Enterprise-ready for regulated entities

Invoices on every paid plan

Purchase order and invoice billing

Data Processing Agreement on request

All data stored in India (AES-256 encrypted)

SLA-backed scan delivery on Enterprise

CERT-In aligned methodology

Dedicated scan environment available

Priority support with named contact

Start with a free scan today

See your vulnerabilities mapped to RBI, DPDP, and SEBI frameworks — before you pay a single rupee.

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RBI expects zero breaches.We help you get there.