Digital Lending Application Audit
Keep your digital lending app and LSPs within RBI's 2025 Digital Lending Directions.
2025 Directions Gap
Against RBI's Digital Lending Directions
DLA / LSP Chain Audit
The full lending delivery chain
CIMS Reporting Verified
CIMS submissions checked and confirmed
Fintech Auditors
Digital-lending compliance specialists
What it is
RBI's Digital Lending Directions, 2025 regulate lending delivered through Digital Lending Apps (DLAs) and Lending Service Providers (LSPs) engaged by RBI-regulated lenders. A digital-lending audit verifies borrower protection, data-localisation and privacy controls, transparent pricing, grievance redressal, Default Loss Guarantee compliance and CIMS reporting.
Who must comply
RBI-regulated entities (banks and NBFCs) that lend digitally, plus the LSPs and DLAs they engage. The lender remains accountable for its partners.
How IntelligenceX helps
Frequently Asked Questions
Yes. The RBI (Digital Lending) Directions 2025 (8 May 2025) consolidated and replaced the 2022 guidelines and 2023 DLG rules, added multi-lender platform rules (from 1 November 2025) and required all DLAs on the CIMS portal by 15 June 2025.
The RBI-regulated lender. RBI holds the regulated entity accountable for ensuring its LSPs and DLAs comply, so lenders must audit and contractually bind their partners. We audit the full chain.
The full delivery chain: borrower-facing disclosures (KFS, APR), data privacy and localisation, Default Loss Guarantee structure, grievance and recovery conduct, CIMS reporting and a VAPT of the lending app, all mapped against the 2025 Directions.