Regulatory guidesfor banks and NBFCs.
What RBI, FIU-IND and NPCI expect on fraud risk management, AML, KYC, digital payments, NBFC risk and internal controls, in plain language with the sources.
All guides
RBI fraud risk management directions for banks and NBFCs
RBI rewrote its fraud framework in July 2024 and re-issued it entity-wise in July 2026. Here is what banks, cooperative banks and NBFCs must have in place, with the timelines that matter.
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Early warning signals and red-flagged accounts: RBI rules
An early warning signal is a cue to look closer. A red-flagged account is one where that closer look has started. This is how RBI expects banks and NBFCs to run both, and the timelines that apply.
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AML compliance in India: PMLA, PML Rules and FIU-IND reports
What the Prevention of Money Laundering Act and the PML Rules require from banks and NBFCs: who reports, which reports go to FIU-IND and by when, what records to keep, and what a failure costs.
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KYC compliance under the RBI KYC directions: what they require
RBI replaced the 2016 KYC Master Direction with entity-wise KYC Directions in November 2025. The requirements are largely the same. Here is what banks and NBFCs must do, from customer acceptance to re-KYC.
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UPI and digital banking fraud, mule accounts: what RBI expects
Customer liability rules change on 1 January 2027, two-factor authentication rules are already in force, and mule accounts are getting their own procedure. A plain guide to what banks and payment providers are expected to do.
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NBFC risk management under RBI: scale based regulation explained
RBI asks more of an NBFC as it grows. This guide maps the risk management, compliance, audit and fraud requirements to each layer, using the directions as consolidated in 2025 and 2026.
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AI in banking risk management and fraud detection: the rules in India
There is no single RBI direction on AI yet. There is a committee report, a draft on model risk and several existing rules that already apply. Here is how they fit together for fraud analytics and risk models.
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Banking internal controls: how to prove compliance to RBI
Being compliant and being able to prove it are different jobs. This guide covers what RBI expects from the compliance and internal audit functions of a bank, and what an evidence record should contain.
Read the guideKeep every one of these requirementsin one record.
RegIntel Nexus tracks the directions, turns the clauses into owned obligations and keeps the evidence.