Evidence-based RBI System Audit Report (SAR), Data Localization assessment and RBI readiness support for payment aggregators, payment gateways, non-bank PSOs, fintechs and other applicable regulated entities.
SAR + Data Localization + readiness assessment in one structured engagement.
We connect regulatory requirements to actual systems, payment-data flows, controls, contracts and evidence — helping management identify gaps before they become audit observations.
Assessment of applicable payment-system controls including data storage, database maintenance, backup and restoration, data security, access management, network architecture, logging, incident management, business continuity and third-party risk.
End-to-end review of payment-system data flows, primary storage, backups, DR, cloud regions, vendors and cross-border processing to assess whether applicable payment data is stored in India and handled according to RBI requirements.
Coverage is tailored to the entity, payment architecture, systems and applicable RBI requirements.
A transparent workflow keeps the assessment practical for technology, compliance and management teams.
Confirm RBI authorisation, payment flows, systems, vendors and applicable requirements.
Collect policies, architecture, contracts, logs, configurations and operational records.
Validate selected controls, storage locations, access, cloud regions and data flows.
Map observations to regulatory requirements and classify risk and impact.
Walk through material findings and capture management responses and evidence.
Issue the agreed readiness, SAR and Data Localization reports.
Prioritise fixes, owners, target dates and closure evidence.
Support management and Board-level review where included in scope.
Built for regulated environments where evidence, traceability and actionable reporting matter.
Separate audit tracks, shared evidence discipline and practical technical validation.
Risk-based and evidence-driven assessment from scoping through final SAR reporting.
Trace payment data from initiation to settlement and verify storage, processing, vendors and cross-border handling.
An RBI SAR is an audit deliverable covering the applicable payment-system technology, security and related controls within the agreed regulatory scope. The exact SAR scope depends on the entity and applicable RBI/NPCI requirements.
RBI's Storage of Payment System Data framework requires applicable payment-system data to be stored in systems located in India, with specific treatment for cross-border transactions and processing. The 2019 RBI FAQ also clarifies the treatment of data processed abroad, including deletion and repatriation timelines.
Yes, where they are within scope. We review relevant cloud regions, hosting arrangements, vendor contracts, sub-processors, data-residency clauses and supporting evidence.
Technical verification can include architecture walkthroughs, cloud-region checks, access-control validation, storage and backup verification, log review and other authorised checks relevant to the agreed scope.
No audit should be represented as an unconditional guarantee of regulatory compliance. The final assessment reflects the agreed scope, evidence available, applicable requirements and observations identified during the engagement; management and Board approval and any regulatory submission requirements remain applicable.
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Share your RBI authorisation, payment flow and system landscape. We will help define the applicable SAR and Data Localization scope and provide a structured proposal.
