NBFC & MFI Governance
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RBI Inspection Defence & SBR Audit • Scope Code: REG-READ

RBI Supervisory Inspection & Regulatory Readiness

Pre-inspection diagnostic reviews preparing NBFCs and MFIs for Reserve Bank of India (RBI) annual financial inspections (AFI) under Scale-Based Regulations (SBR). Comprehensive validation of board policies, supervisory returns, capital adequacy (CRAR), and compliance governance across JLG, SHG, HL, LAP, RMEL, RPL, and GOLD asset books.

Inspection Framework
RBI SBR & AFI Preparedness
Statutory Scope
Board Policies & CIMS
Readiness Standard
7 - 10 Business Days

Supervisory Inspection Focus Points

JLG | SHG | HL | LAP | RMEL | RPL | GOLD
JLG Microfinance Harmonized Directions April 2022

Board-approved household income assessment policy checks, 50% FOIR monthly debt outflow proof, and verification of non-penal prepayment rules.

SHG Group Resolution Compliance Priority Sector

Priority Sector Lending (PSL) eligibility certification, group resolution audit trails, and sub-lending compliance registers.

HL LTV & Risk Weight Alignment Affordable Housing

Regulatory LTV caps validation (up to 90% for ≤ ₹30L, 80% for ≤ ₹75L), risk weight allocation sanity checks, and mandatory CERSAI timeline audits.

LAP Single/Group Exposure Norms SBR Limits

Large exposure framework scrutiny, board-approved mortgage valuation policies, Title Search Report standardization, and equitable mortgage execution.

RMEL MSME PSL Classification MSME SBR

Udyam registration linkage audits for PSL claims, loan appraisal note verification, and asset hypothecation filings before supervisory teams.

RPL Fair Practices Code (FPC) Consumer Credit

Key Fact Statement (KFS) issuance proof, Annual Percentage Rate (APR) disclosure audits, recovery agent code of conduct compliance, and grievance redressing registers.

Gold Loan 75% LTV Cap & Public Auction SBR Norms Supervisory Risk

Strict verification of 75% LTV ceiling against 30-day average gold rates, arm's length public auction procedure audits, newspaper intimation records, and board policy on gold custody security.

What Your Executive Inspection Readiness Pack Delivers

  • Mock RBI AFI Inspection Scorecard: Comprehensive assessment anticipating primary scrutiny lines of RBI inspecting officers.
  • Statutory Board Policy Gap Roster: Review and updation of mandatory policies (FPC, Underwriting, KYC, Recovery, Information Security).
  • Supervisory Return (CIMS) Audit: Data consistency reconciliation across internal loan books and regulatory returns submitted to the Reserve Bank.
Regulatory Practice RBI SBR
₹29,500
+ 18% GST • Comprehensive Institutional Audit
Complete RBI SBR Policy & Practice Review
Mock AFI Supervisory Inspection Audit
CRAR, Provisioning & CIMS Return Audit
Executive Board-Ready Defense Dossier
Book Readiness Assessment → Submit Advisory Inquiry
Immediate RBI Notice Received?

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Supervisory Intake

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Specify your NBFC/MFI categorization and active lending products to schedule our diagnostic inspection review.