RBI compliance intelligence
ComplyNext watches RBI circulars, checks your policies against them, classifies your loan book by the exact prudential norms — and keeps a paper trail of everything.
The platform
RBI master circulars and directions scraped, chunked and semantically indexed — every answer traceable to its source passage.
Three LangGraph agents retrieve, compare and explain: your policy clauses checked against live regulation with cited verdicts.
A deterministic engine applying RBI's exact IRACP day-past-due thresholds — Standard, SMA-0/1/2, NPA — with misclassification flags.
Watches published circulars for changes and raises alerts when an update touches your compliance posture.
Every decision logged with timestamps and citations, exportable as a formal PDF compliance report.
Enterprise RegTech, minus the enterprise price tag. Free tiers, open components, zero license cost.
How it works
01
Register your NBFC or co-operative bank. Your data stays isolated to your institution — always.
02
Drop in internal policy documents and loan books (single entry or bulk CSV).
03
Gap findings, classifications, change alerts and audit reports — in one place, always current.
Security & governance
Multi-tenant isolation is enforced on every request — one institution can never see another's data. Passwords are bcrypt-hashed, sessions are signed tokens, and the audit trail records who did what, when, and on which authority.
Read the privacy policyisolation check
✓ company_id from signed token — never from client input
✓ bcrypt password hashing, JWT sessions
✓ timestamped audit log on every decision
✓ exportable PDF compliance reports
Set up your institution's workspace in a minute. Upload a policy, run the agents, see the gaps.