Compliance · RBI-aware software

RBI-Aware Software for NBFCs

Lending and payments software designed around regulatory requirements.

We build software for NBFCs and fintechs that implements the RBI-related requirements your compliance team and counsel specify: audit trails, access control, data localisation and retention rules, KYC workflows and regulatory reporting hooks.

Audit trails
Data controls
Reporting hooks

Book a free consultation →See proof of capability

Free 30-minute call with a senior specialist. Reply within one business day. Based in Jaipur, working with businesses across India.

How we deliverRBI-Aware Software for NBFCs

Fixed-scope start

Discovery callFree 30 minutes with a senior specialist
Scoped first phaseWritten scope, timeline and fixed price
Build with weekly demosWorking software you can see every week
Launch and supportGo-live with your team ready, then ongoing support

Focus areas

Audit trailsData controlsReporting hooks

2 weeksfixed-price Discovery Sprint

Weeklyworking demos

5governance gates

Quick answer

What is RBI-compliant software?

Software for RBI-regulated entities implements the controls and records that regulations and directions require, such as audit trails, access control, data handling and reporting. Stack18 builds lending and payments software around the requirements your compliance team and counsel specify. Stack18 is not a regulated entity and does not provide legal or regulatory advice.

Last reviewed 31 October 2026 by the Stack18 delivery team in Jaipur. Security and AI governance · Pricing · About Stack18

RBI-Aware Software for NBFCs at a glance
What it covers	Requirement mapping; Controls in the product; Data and hosting; KYC and customer records; Reporting.
Typical first step	Discovery Sprint: 2 weeks; fixed price.
Custom build	Fixed-scope first release: agreed in discovery; fixed price after discovery.
Long-term option	Transformation Pod: 12–36 months; annual contract.
Measured by	Audit finding rate; Report preparation time; Requirement coverage; Change lead time. Each against an agreed baseline.
Governance	Human approval at 5 governance gates before anything reaches production. NDA available on request.
Delivery team	Based in Jaipur, India. A senior specialist replies within one business day.

Is this you?

You need this when…

Tap the ones that apply to you.

Most teams we work with recognise two or three of these.

Talk to an expert about this

What we deliver

RBI-Aware Software for NBFCs, end to end.

Each capability is delivered by the same team on the Agentic SDLC, with your approval at every critical step.

Requirement mapping

A requirement register with traceability to features and change tracking turns rules into system features.

Compliance requirement register
Traceability to features
Change tracking

Controls in the product

Role-based access and approvals, immutable audit logs and retention rules are built into the product.

Role-based access and approvals
Immutable audit logs
Data retention rules

Data and hosting

Hosting region choices, encryption, backup and recovery respect location and security needs.

Hosting region choices
Encryption
Backup and recovery

KYC and customer records

KYC workflow, consent records and document retention provide evidence for each customer.

KYC workflow
Consent records
Document retention

Reporting

Report templates, data extracts for audit and exception reporting speed up regulatory reporting.

Report templates
Data extracts for audit
Exception reporting

How we work

A typical engagement, step by step.

Senior people lead every phase. Specialised AI agents on the Agentic SDLC handle the repetitive work, and nothing ships without your approval.

01Week 1

Discovery

We map today's process, systems and data for requirement mapping; controls in the product; and data and hosting, talk to the people who run it and agree the baseline for audit finding rate and report preparation time so progress is measured from week one.

You getScope, baseline and fixed price

AgentsCompassDraft

02Weeks 2–3

Design

We design the flows, roles, approvals and integrations for requirement mapping and controls in the product, and review a clickable prototype with the people who will use it before anything is built.

You getBlueprint, prototype and plan

AgentsBlueprint

03Build phase

Build in weekly demos

We build in weekly demos, starting with requirement mapping, then controls in the product and data and hosting. Each release is tested on your own data and passes a human approval gate before the next begins.

You getA working release every week

AgentsWeldGridWatch

04Go-live

Launch and support

We migrate data, train your team and support go-live. After 30 days we review audit finding rate, report preparation time and requirement coverage against the baseline and agree what to extend next.

You getLive system, trained users and a 30-day review

AgentsLaunchPulse

Offer

Start small. Scale when it works.

Every engagement begins with a short, fixed-price step so you can judge the fit before committing further. See pricing.

Start here

Discovery Sprint

Teams deciding which of requirement mapping; controls in the product; and data and hosting to build first, and what it should cost.

Duration: 2 weeks
Pricing: Fixed price

Scoped plan and timeline
Team and fixed price
Process map or prototype

Start with Discovery Sprint

Custom route

Fixed-scope first release

Teams that know the outcome they need from RBI-Aware software for NBFCs and want a fixed-scope first release.

Duration: Agreed in discovery
Pricing: Fixed price after discovery

Written scope and acceptance criteria
Weekly demos
Handover with documentation

Discuss Fixed-scope first release

Long-term

Transformation Pod

Organisations running RBI-Aware software for NBFCs across several teams, sites or systems over years.

Duration: 12–36 months
Pricing: Annual contract

Dedicated cross-functional team
Quarterly business reviews
One accountable partner

Discuss Transformation Pod

Proof of capability

What we have shipped, and what a typical engagement looks like.

Delivered projects link to the full case study. Illustrative scenarios describe typical engagements and are not named client results.

Illustrative scenario

NBFC modernising its lending system

Challenge: Audit trails incomplete; reports assembled manually.
What we do: Requirement-mapped lending software with immutable logs and report templates.
We would measure: audit finding rate, report preparation time and requirement coverage, against a baseline agreed in week one.

Scoped in a 2-week sprint

171modules across 6 ready-made solutions, each priced in rupees

10specialised AI agents on the Agentic SDLC

5human governance gates before anything reaches production

2018founded in Jaipur by Prateek Mathur

₹0per-user licence fees on every ready-made solution

1 daysenior specialist reply to every enquiry

Free for qualified businesses

Free regulated lending review

Tell us where regulated lending hurts most. We map what to fix first, whether ready-made or custom fits, and a realistic first step.

Where to start and why
Ready-made vs custom view
Indicative timeline

Request your free regulated lending review

Outcomes we measure

We agree targets before we start.

Every engagement has a baseline and a target on the measures that matter to you, reported at every read-out.

Audit finding ratebaseline vs target

Report preparation timebaseline vs target

Requirement coveragebaseline vs target

Change lead timebaseline vs target

KYC completenessbaseline vs target

Incident countbaseline vs target

FAQ

RBI-Aware Software for NBFCs questions.

Ask us anything

Are you RBI approved or certified?

No. RBI regulates entities, not software vendors. We implement the requirements your compliance team gives us.

Who decides what is required?

Your compliance team, counsel and regulator. We build and document accordingly.

Can you keep up with changes?

We design for changeable rules, so updates are configuration or small changes where possible.

Where can data be hosted?

We design hosting to meet the location rules your counsel specifies.

Is this legal advice?

No. We provide engineering. Your counsel or compliance team confirms which obligations apply to you; we build the technical controls and keep the evidence.

How much does RBI-Aware software for NBFCs cost?

Every engagement starts with a fixed-price Discovery Sprint that produces scope, a plan and a quote. Custom work is quoted at a fixed price once the scope is clear. Changes are agreed in writing before they are built, so the price you approve is the price you pay.

How do you measure success for RBI-Aware software for NBFCs?

In week one we agree a baseline for audit finding rate, report preparation time and requirement coverage. We report them at every weekly demo and review them against the baseline 30 days after go-live, so results are measured rather than assumed.

What should we prepare before the first call?

Bring a short description of how RBI-Aware software for NBFCs works today, examples of the documents or screens your team uses, and the three numbers that matter most to you. A senior specialist will use them to outline a first step and a fixed price.