Rewafin builds regulatory rules directly into your workflows, keeps a complete record of every action, and produces statutory reports from live data—so compliance happens as you work, not as a month-end scramble.
Compliance checks shouldn't happen in hindsight where breaches are discovered during audits months after a loan was booked. Embed regulatory mandates and internal policy rules directly into origination, servicing, and collections—blocking non-compliant actions before they occur.
Stop assembling statutory filings by hand, pulling CSVs from multiple systems, and reconciling mismatches before every submission deadline. Generate regulator-ready returns, asset classification schedules, and board compliance packs straight from your live lending database.
Eliminate gaps in the audit trail where answering who approved what, when, and why takes days of digging through emails. Log every field change, deviation approval, borrower consent, and document version automatically—and grant auditors read-only, scoped access to inspect records directly.
Regulatory mandates (RBI Digital Lending Guidelines, Fair Practices Code, KYC/AML) and internal credit policies are configured as mandatory checks in each workflow.
Automated validation gates run in real time before a loan can advance to sanction, disbursement, restructuring, or settlement.
Every user action, parameter change, policy deviation, and approval is logged automatically with who, what, when, and supporting evidence.
Policy exceptions, potential breaches, and upcoming regulatory filing deadlines surface continuously on a single compliance command center.
Scheduled regulatory returns, bureau submissions, and internal compliance reports are generated directly from live system data.
Internal, statutory, and regulatory auditors receive read-only, scoped access to the exact audit trail they need—without operational teams digging for files.
In-Workflow Policy & Fair-Practice Controls
Embed regulatory and internal policy rules directly into daily operations—covering KFS disclosures, delegation matrices, collection contact windows, and customer grievance redressal SLAs.
Automated Regulatory Reporting & Deadline Calendar
Produce statutory and supervisory returns from live origination, servicing, and accounting data in the exact formats regulators expect—backed by an automated compliance calendar.
Automated Asset Classification & Provisioning Sync
Run automated End-of-Day (EOD) Days Past Due (DPD) calculations, borrower-level cross-account NPA tagging, and upgrade rules strictly aligned with RBI IRACP and Ind-AS standards.
KYC, AML & Consent Governance
Track KYC validity, AML screening outcomes, and explicit borrower consent across every digital touchpoint while enforcing configurable document retention and data localization rules.
Immutable Audit Trail & Scoped Auditor Portal
Maintain a tamper-proof, chronological record of every system event and grant external or internal auditors time-bound, scoped portal access to verify loans without disrupting daily operations.
Whether you report under RBI Scale-Based Regulations, NHB housing norms, or state co-operative registrars, Rewafin adapts compliance checks and statutory returns to your institution.
RBI Scale-Based Regulation (SBR) compliance, automated XBRL / DNBS supervisory returns, Digital Lending Guidelines (DLG) LSP/DLA disclosures, and Ind-AS / IRACP asset classification.
Automated RBI Microfinance Directions enforcement—household income assessment logs, 50% FOIR repayment cap validation, pricing-margin disclosures, and fair-practice center conduct logs.
NHB supervisory returns, Loan-to-Value (LTV) & risk-weight validation, CERSAI charge registration tracking, and SARFAESI statutory notice timeline compliance.
Automated Early Warning Signal (EWS) compliance, Legal Entity Identifier (LEI) & CRILC large-exposure reporting, Priority Sector Lending (PSL) classification, and end-to-end IT governance trails.
RBI / NABARD OSS returns, State & Multi-State Co-operative Societies Act compliance, member share-linking & surety limit checks, and registrar inspection packs.
High-velocity digital onboarding with instant bureau/bank parsing and straight-through disbursal.
Underwrite MSME term loans and working capital using cash-flow, GST, and AI appraisal.
Branch and doorstep gold lending with digital purity appraisal, live LTV, and vault tracking.
Dealer-led vehicle financing with instant showroom approvals, payout, and RC/insurance tracking.
Coordinate borrower cash-flow appraisal, parallel legal-technical valuation, and title custody.
Assess students and co-borrowers with semester-linked college payouts and moratorium tracking.
Instant point-of-sale checkout approvals with brand subvention, no-cost EMI, and dealer settlement.
Offline-first JLG/SHG field onboarding, RBI household income checks, and center collections.
Crop-cycle and KCC lending with land-record verification and harvest-aligned repayment schedules.
Synchronize buyer underwriting, builder/project approvals, and construction-linked tranche disbursals.
Unifies compliance across the entire Rewafin suite or connects via APIs to your existing LOS, LMS, Core Banking, and ERP systems to establish a single regulatory system of record.
Native Rewafin Suite Continuity
External Regulatory, Bureau & Registry Rails
Multi-channel onboarding, automated KYC, and AI-assisted credit decisioning.
Automate repayment schedules, NACH/UPI collections, restructuring, and ledger posting.
Run HR, payroll, corporate accounting, and GST/TDS compliance on your lending core.
Recover faster with AI-prioritized queues, omnichannel nudges, and geo-tagged field apps.
Automate partner loan allocation, split disbursements, and daily escrow reconciliation.
Spot portfolio stress early with live cohort dashboards and AI early-warning signals.
Still unsure? Our lending specialists are happy to walk through the specifics for your institution.
Talk to our teamRewafin is pre-configured for Indian lending regulations (including RBI Digital Lending Guidelines, Fair Practices Code, IRACP / Ind-AS asset classification, Master Direction on KYC, and Microfinance / HFC norms) and is fully configurable to the specific statutory returns of the markets and sectors you lend in.
Policy rules, validation gates, and report templates are managed through a no-code configuration layer—so most regulatory circulars and return format updates can be deployed rapidly without custom software rewrites.
Yes. You can provision read-only, time-bound, and scope-restricted auditor accounts that allow inspectors to search loan files, verify approval trails, and review compliance evidence independently.
Record retention, archival, and PII masking periods are 100% configurable to match your internal governance policy and statutory mandates (such as RBI and PMLA multi-year retention rules).
In 30 minutes, we'll walk through your compliance process and show where Rewafin enforces policy rules, records audit evidence, and generates regulatory reports automatically.
