Know your customer data
KYC records, credit data and transaction history sit across core banking, LOS/LMS, CRM and collections. DPDP.ai discovers and classifies this personal data and maps it by system, owner, purpose and retention.
BANKING, SERVICES & MANAGEMENT
DPDP Compliance for
DPDP Compliance for
Banks and NBFCs
According to the DPDP Act, a KYC check, credit inquiry, video verification and transaction record is a customer’s personal data. DPDP.ai provides consent, rights requests and vendor oversight into one singular system. This helps in keeping you audit-ready and RBI-regulated.
- RBI and DPDP mapped together
- Notices in 22 languages
- Go live in as little as 2 weeks
Why it matters
What Banking Sectors
What Banking Sectors
Should Do
Under the DPDP Act, banks and NBFCs are Data Fiduciaries, and their BPOs, cloud hosts, bureaus and video-KYC partners are Data Processors. DPDP.ai gives you one platform to meet those duties across every customer channel and vendor.
One consent view across channels
Branch, mobile app, net banking, call centre and digital lending flows each capture consent differently. DPDP.ai offers multilingual, purpose-linked notices and a single consent ledger with withdrawal. Consent signals reach downstream systems in real time.
Timeline you can plan for
Consent Manager registration opens on 13 November 2026, and obligations take effect on 13 May 2027. DPDP.ai's phased modules (Consent Core, Flow, Control, Govern) let you start with consent and expand as you go.
Managing data across borders
Data flow monitoring shows what personal data leaves your environment, who receives it and where it goes. This lets you check each transfer against RBI localisation norms and DPDP transfer provisions.
Vendor risk inside your perimeter
Vendor risk assessment and processor mapping in the ROPA tie each third party to the data it handles.
Board-level exposure
Penalties can reach ₹250 crore per violation, depending on the obligation breached. DPDP.ai helps you reduce that risk with evidence-backed controls.
Challenges
Issues Banks and NBFCs Need to Prepare For
With decades of numerous products, channels and outsourcing. Banks and NBFCs’ customer data has become too scattered. These are the gaps compliance teams encounter first.
Contact Sales-
01
Personal data sits in fragmented systems
Customer records are stored in core systems, LOS/LMS, CRM, collections and verification tools, so personal data is scattered across many systems.
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02
Consent is captured in different ways:
Branches, mobile apps, net banking, call centres and digital lending flows each follow their own process, which leads to uneven consent and DPDP practices.
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03
A long chain of third-party handoffs
Data moves to BPOs, cloud providers, KYC partners and credit bureaus, and every handoff adds risk for the bank or NBFC.
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04
Localisation and cross-border rules overlap
RBI data storage mandates and DPDP transfer rules apply together, so both must be managed side by side.
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05
Rights requests across multiple products
One customer may hold a savings account, a card and a loan, so a single access or erasure request has to be handled across many systems.
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06
Audit evidence is needed on demand
Regulators expect a current view of data flows, consent and processor activity, and a static spreadsheet report no longer meets that bar.
How DPDP.ai helps
How DPDP.ai helps with
How DPDP.ai helps with
every banking challenge
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Banking challenge: KYC and biometric data is scattered across main banking, LOS/LMS and vendor systems
How DPDP.ai solves it: Data discovery scans structured and unstructured sources and builds a live map of personal data.
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Banking challenge: Consent is collected in different ways across branch, app and net banking
How DPDP.ai solves it: Consent is collected in different ways across branch, app and net banking
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Banking challenge: RBI payment-data localisation running alongside DPDP cross-border rules
How DPDP.ai solves it: Each data element is tagged by location, so you see which rule applies to it.
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Banking challenge: Heavy reliance on BPOs, collection agencies, cloud and bureaus
How DPDP.ai solves it: Vendor risks are tracked regularly against the terms of their data-processing agreements.
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Banking challenge: Rights requests that span several customer systems
How DPDP.ai solves it: Data Principal's requests for access, correction and erasure are routed and closed across connected systems.
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Banking challenge: Breach notification within statutory timelines
How DPDP.ai solves it: Collect evidence and prepare an auditable response workflow from detection to notice in time.
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Banking challenge: Expected Significant Data Fiduciary duties such as DPIAs and a DPO
How DPDP.ai solves it: Assessments are run on schedule and the evidence trail is stored for review.
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Banking challenge: Tracking cookies on net banking and marketing sites without valid consent
How DPDP.ai solves it: Cookie management provides banners and preference storage in line with consent rules.
Trusted by banks, insurers and lenders across India
FAQs
Clear answers for DPDP in Banking
Questions related to compliance, risk, and technology teams at banks and NBFCs ask us the most.
Talk to an ExpertWhat is a bank under the DPDP Act?
A bank is considered a Data Fiduciary under the DPDP Act. It is considered one because it processes customer data like KYC records and credit information.
Does the DPDP Act cover existing customers or only new sign-ups?
It applies to both existing and new signups. As processing of digital personal data is considered under the DPDP Act, both types of customers are considered.
Do RBI localisation and DPDP cross-border rules apply together?
Yes, they apply together. Organisations must comply with both the DPDP Act and sector-specific RBI directives simultaneously.
What is a Consent Manager?
A Consent Manager is an entity who is the single point of contact for individuals to give, manage, review, and withdraw their consent with different organisations.
Get started
Be audit-ready before the regulator asks
See how DPDP.ai can bring your banking systems, consent and vendors under one compliance view.
- Live demo on a banking use case
- Gap assessment across consent, data and vendors
- Go live in as little as 2 weeks
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