Who Requires an RBI NBFC Cyber Security Assessment?
RBI's IT and cyber security requirements for NBFCs vary with the NBFC's layer, deposit status and digital footprint.
Deposit-Taking NBFCs
Middle and Upper Layer NBFCs
Digital Lending NBFCs
Housing Finance Companies
Microfinance NBFCs
NBFCs Preparing for IS Audit
Our RBI NBFC Assessment Approach
A structured, regulation-mapped assessment covering IT governance, security controls and resilience.
Deliverables You Can Expect
Regulation-specific outputs for your board, audit committee and RBI file.
NBFC IT & Cyber Security Assessment Report
Findings mapped to applicable RBI IT directions
Regulatory Gap Assessment
Gaps rated by risk with owners and target dates
Executive Compliance Summary
Board-level view of IT and cyber risk posture
Benefits of RBI NBFC Cyber Security Assessments
Improved Regulatory Readiness
Gaps closed before RBI reviews surface them
Stronger IT Governance
Clear board and committee oversight of IT risk
Reduced Cyber Risk
Priority weaknesses identified and tracked
Outsourcing Visibility
Vendor and partner risks made clear
IS Audit Preparation
Evidence gaps addressed before IS audit
Lender & Partner Trust
Independent evidence for banks and co-lenders
Why NBFCs Choose QRC
RBI-focused expertise. Lending technology depth. Actionable, audit-ready outcomes.
Assessments aligned to the RBI IT directions that apply to your NBFC layer.
Combined review of governance, security controls, infrastructure and operational practices.
QRC Assurance and Solutions is listed by CERT-In as an empanelled information security auditing organization.
Experience across RBI, DPDP, PCI DSS and ISO 27001 requirements.
Supporting Services
Services that complement your NBFC assessment across testing, IS audit and data protection.
Information Systems Audit
Independent IS audit across IT governance, operations and applications.
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Vulnerability Assessment
Identifies vulnerabilities across lending systems and infrastructure.
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Frequently Asked Questions
RBI sets NBFC IT and cyber security expectations through its IT directions, including the Master Direction on IT Governance, Risk, Controls and Assurance Practices effective April 2024, alongside related circulars.
Applicability depends on the NBFC's layer under RBI's scale-based regulation and on whether it accepts deposits. The assessment confirms which provisions apply to you.
RBI's IT directions expect applicable NBFCs to have an independent IS audit function and a risk-based IS audit plan. QRC can support the assessment and a separate IS audit.
IT governance, security controls, outsourcing and vendor risk, BCP and DR, and cyber incident readiness, mapped to the directions that apply.
QRC is a CERT-In empanelled auditor. Any auditor eligibility requirements that apply to your NBFC are confirmed during scoping.
Timing depends on the entities, systems and locations in scope and how readily evidence is available. QRC confirms a realistic timeline after the scoping call.
Ready to Strengthen Your NBFC Cyber Security Posture?
Define your scope, identify priority gaps and prepare for RBI review.