{"id":180,"date":"2025-07-15T09:45:58","date_gmt":"2025-07-15T08:45:58","guid":{"rendered":"https:\/\/web.befisc.com\/fintechsherlock\/?p=180"},"modified":"2026-04-25T10:43:09","modified_gmt":"2026-04-25T09:43:09","slug":"rbi-digital-lending-guidelines-2025","status":"publish","type":"post","link":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-digital-lending-guidelines-2025\/","title":{"rendered":"RBI Digital Lending Guidelines 2025: Critical Risks Fintechs Must Fix"},"content":{"rendered":"\n<p><strong>RBI Digital Lending Guidelines 2025<\/strong> mark a clear turning point for India\u2019s digital credit ecosystem. In simple terms, the RBI now expects <strong>clean disclosures, stronger borrower protections, strict data discipline, and tighter accountability<\/strong> across both <strong>regulated entities (REs)<\/strong> (banks\/NBFCs) and <strong>lending service providers (LSPs)<\/strong> (fintech partners).<\/p>\n\n\n\n<p>However, this is not just a compliance memo. It directly changes how fintechs design onboarding, underwriting journeys, disbursal and repayment rails, consent screens, grievance flows, and even UI choices in multi-lender apps.<\/p>\n\n\n\n<p>If your lending flow isn\u2019t KFS-first, consent-led, and audit-ready, you\u2019ll need a product rebuild\u2014not a patch.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Why This Matters Now<\/h2>\n\n\n\n<p>Digital lending grew fast in India, and it expanded credit access at scale. <strong>However,<\/strong> rapid growth also triggered repeat problems that regulators can no longer ignore:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Apps hiding loan terms or fees<\/li>\n\n\n\n<li>Outrageous interest rates and misleading pricing<\/li>\n\n\n\n<li>Data privacy violations and excessive permissions<\/li>\n\n\n\n<li>Harassment by recovery agents<\/li>\n\n\n\n<li>Lenders using third-party fronts to avoid accountability<\/li>\n<\/ul>\n\n\n\n<p>As a result, RBI\u2019s 2025 framework aims to standardise digital lending and reduce borrower harm\u2014while also making liability crystal clear between REs and LSPs.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"998\" height=\"434\" src=\"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/blog2_image2_Why-This-Matters-Now_-1.webp\" alt=\"\" class=\"wp-image-482\" srcset=\"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/blog2_image2_Why-This-Matters-Now_-1.webp 998w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/blog2_image2_Why-This-Matters-Now_-1-300x130.webp 300w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/blog2_image2_Why-This-Matters-Now_-1-768x334.webp 768w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/blog2_image2_Why-This-Matters-Now_-1-400x174.webp 400w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/blog2_image2_Why-This-Matters-Now_-1-800x348.webp 800w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/blog2_image2_Why-This-Matters-Now_-1-832x362.webp 832w\" sizes=\"(max-width: 998px) 100vw, 998px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Key Highlights: What Changed Under RBI Digital Lending Guidelines 2025<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1) Who\u2019s Covered<\/h3>\n\n\n\n<p>These rules apply to all RBI-regulated entities (REs), including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Commercial banks<\/li>\n\n\n\n<li>Urban, state, and central cooperative banks<\/li>\n\n\n\n<li>NBFCs (including Housing Finance Companies)<\/li>\n\n\n\n<li>All-India Financial Institutions<\/li>\n<\/ul>\n\n\n\n<p><strong>Additionally,<\/strong> they apply to LSPs that support the lending lifecycle\u2014sourcing, underwriting support, disbursal journeys, servicing, collections, and recovery.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2) What Counts as Digital Lending<\/h3>\n\n\n\n<p>RBI treats any lending process as \u201cdigital lending\u201d when key stages happen fully or largely through digital channels, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan sourcing through apps\/websites<\/li>\n\n\n\n<li>Underwriting and approval workflows<\/li>\n\n\n\n<li>Disbursal and repayment journeys<\/li>\n\n\n\n<li>Borrower communications and servicing<\/li>\n<\/ul>\n\n\n\n<p>Therefore, even if you are \u201cjust the front-end layer,\u201d your product still sits inside the compliance perimeter.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3) Clear Contracts and Active Monitoring of LSPs<\/h3>\n\n\n\n<p>RBI requires REs to treat LSP partnerships as formal, accountable relationships. So REs must:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sign detailed contracts defining roles, liabilities, and responsibilities<\/li>\n\n\n\n<li>Vet LSPs for tech readiness, conduct history, data practices, and compliance posture<\/li>\n\n\n\n<li>Monitor LSP performance continuously<\/li>\n<\/ul>\n\n\n\n<p>In short, REs can\u2019t outsource accountability\u2014even when they outsource execution.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">4) Multi-Lender App Rules (Effective Nov 1, 2025)<\/h3>\n\n\n\n<p>If one app shows multiple lender offers, RBI expects fairness by design. Specifically, the app must:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Show <strong>all matched offers<\/strong>, not selectively highlight a preferred lender<\/li>\n\n\n\n<li>Display each offer with lender name, <strong>APR<\/strong>, tenure, EMI, penalties, and a <strong>KFS link<\/strong><\/li>\n\n\n\n<li>Avoid \u201cdark patterns\u201d that nudge borrowers into a specific lender choice<\/li>\n<\/ul>\n\n\n\n<p>Consequently, marketplace lending apps must redesign offer pages and ranking logic to remove bias.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">5) Transparency and Disclosures<\/h3>\n\n\n\n<p>RBI\u2019s stance is simple: borrowers should know what they are signing. Therefore, lenders must:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Provide a digitally signed <strong>Key Facts Statement (KFS)<\/strong> before disbursal<\/li>\n\n\n\n<li>Auto-share documents like sanction letters and policies via email\/SMS<\/li>\n\n\n\n<li>Notify borrowers before assigning or changing a recovery agent<\/li>\n<\/ul>\n\n\n\n<p>This pushes fintechs to implement reliable document delivery, digital signatures, and timestamped audit logs.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">6) Disbursal and Repayment Rules<\/h3>\n\n\n\n<p>RBI now tightens money flow rails. So REs must:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Disburse funds directly into the borrower\u2019s bank account (exceptions may apply)<\/li>\n\n\n\n<li>Collect repayments directly into the RE\u2019s account (not via LSP accounts)<\/li>\n<\/ul>\n\n\n\n<p>Meanwhile, LSPs must not collect repayments unless RBI rules specifically allow it. Also, REs must pay LSP fees\u2014borrowers should not carry hidden partner charges.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">7) Cooling-Off Period and Prepayment<\/h3>\n\n\n\n<p>RBI introduces borrower breathing room. So REs\/LSPs must implement:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A minimum <strong>1-day cooling-off period<\/strong> to cancel the loan<\/li>\n\n\n\n<li>Repayment of principal + applicable interest for the time used<\/li>\n\n\n\n<li>Only reasonable, disclosed processing fees<\/li>\n\n\n\n<li>Prepayment anytime without penalty<\/li>\n<\/ul>\n\n\n\n<p>As a result, product teams must add cancellation flows, revised ledger logic, and KFS-aligned disclosures.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">8) Grievance Redressal<\/h3>\n\n\n\n<p>RBI expects visible, usable grievance channels. Therefore:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>RE and LSP must appoint nodal officers<\/li>\n\n\n\n<li>Contact details must appear on the app\/website and inside KFS<\/li>\n\n\n\n<li>If unresolved within 30 days, the borrower can escalate via RBI\u2019s CMS portal<\/li>\n<\/ul>\n\n\n\n<p>This makes complaint workflows a core product requirement\u2014not a footer link.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">9) Data Collection, Usage, and Consent<\/h3>\n\n\n\n<p>RBI pushes strong consent-based architecture. So digital lending apps must:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Collect data only with explicit borrower consent<\/li>\n\n\n\n<li>Avoid accessing contacts, files, and call logs (restricted access)<\/li>\n\n\n\n<li>Provide controls to revoke consent, restrict sharing, and request deletion<\/li>\n<\/ul>\n\n\n\n<p>In practice, fintechs must build a real consent layer\u2014clear screens, toggles, retention rules, and event logs.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">10) Data Storage and Localisation<\/h3>\n\n\n\n<p>RBI requires data to stay in India. So:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Store personal data only in India<\/li>\n\n\n\n<li>If processing occurs outside India, delete and bring the data back within 24 hours<\/li>\n\n\n\n<li>Avoid storing biometric data unless the law permits it<\/li>\n<\/ul>\n\n\n\n<p>Therefore, engineering teams must review cloud regions, vendor contracts, and data pipelines.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">11) Privacy Policy Requirements<\/h3>\n\n\n\n<p>REs and LSPs must publish privacy policies that clearly state:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What data do they collect<\/li>\n\n\n\n<li>Why do they collect it<\/li>\n\n\n\n<li>Which third parties access it<\/li>\n<\/ul>\n\n\n\n<p>This is not optional copywriting\u2014RBI expects transparency that stands up to scrutiny.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">12) Cybersecurity Standards<\/h3>\n\n\n\n<p>RBI expects REs and partners to meet IT security requirements. So fintechs must align app security, logging, access controls, and incident readiness with RBI expectations.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">13) Credit Reporting<\/h3>\n\n\n\n<p>RBI requires reporting for all loans\u2014including short-term and deferred payment structures. As a result, fintechs must ensure consistent bureau reporting and reconciliation.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">14) RBI DLA Reporting (Effective June 15, 2025)<\/h3>\n\n\n\n<p>RBI requires REs to report all Digital Lending Apps (DLAs) via the RBI CIMS portal. Also:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Chief Compliance Officer must certify the data<\/li>\n\n\n\n<li>RBI may publish the information, but RBI does not endorse apps<\/li>\n<\/ul>\n\n\n\n<p>So compliance teams must set up internal checks, documentation, and reporting routines.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">15) Default Loss Guarantee (DLG) Rules<\/h3>\n\n\n\n<p>DLG is when a third party (often an LSP) promises to cover loan losses. RBI now formalises and tightens this:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Only registered companies can provide DLG<\/li>\n\n\n\n<li>DLG cannot replace proper credit assessment<\/li>\n\n\n\n<li>Total cover capped at <strong>5%<\/strong> of the disbursed loan portfolio<\/li>\n\n\n\n<li>Back DLG with cash, FD, or bank guarantee<\/li>\n\n\n\n<li>Once invoked, do not reinstate DLG even after recoveries<\/li>\n\n\n\n<li>LSPs must disclose DLG portfolios on their websites<\/li>\n<\/ul>\n\n\n\n<p>Additionally, RBI restricts DLG in specific cases (credit cards\/revolving facilities, P2P NBFC loans, or where other guarantee schemes apply).<\/p>\n\n\n\n<p><strong>Example:<\/strong> Think of DLG as an \u201cinsurance promise\u201d from a fintech partner. RBI now wants that promise to be real, backed, and limited\u2014not marketing language.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Impact on Fintechs: What You Must Build Next<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Product teams<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Build <strong>KFS-first<\/strong> journeys (no disbursal before KFS delivery)<\/li>\n\n\n\n<li>Add cooling-off + cancellation UX and ledger logic<\/li>\n\n\n\n<li>Redesign multi-lender offer pages for fair display and zero dark patterns<\/li>\n\n\n\n<li>Add clear borrower notifications for recovery assignment changes<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Engineering teams<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Route repayments directly to RE accounts<\/li>\n\n\n\n<li>Add consent controls (revoke, delete, restrict sharing) with audit logs<\/li>\n\n\n\n<li>Reduce permissions to RBI-allowed scope<\/li>\n\n\n\n<li>Implement digital signatures + document delivery with timestamps<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Compliance and legal teams<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Strengthen RE\u2013LSP contracts with clear role\/liability mapping<\/li>\n\n\n\n<li>Validate DLG structures (cap, backing, disclosures, certification)<\/li>\n\n\n\n<li>Set up CIMS reporting workflows and internal sign-offs<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"998\" height=\"434\" src=\"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/blog2_image3_Impact-on-Fintechs-1.webp\" alt=\"\" class=\"wp-image-481\" srcset=\"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/blog2_image3_Impact-on-Fintechs-1.webp 998w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/blog2_image3_Impact-on-Fintechs-1-300x130.webp 300w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/blog2_image3_Impact-on-Fintechs-1-768x334.webp 768w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/blog2_image3_Impact-on-Fintechs-1-400x174.webp 400w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/blog2_image3_Impact-on-Fintechs-1-800x348.webp 800w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/blog2_image3_Impact-on-Fintechs-1-832x362.webp 832w\" sizes=\"(max-width: 998px) 100vw, 998px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Deadline Reminders<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>June 15, 2025:<\/strong> Report all DLAs via the RBI CIMS portal<\/li>\n\n\n\n<li><strong>Nov 1, 2025:<\/strong> Implement fair display rules for multi-lender apps<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Where BeFiSc Fits In<\/h2>\n\n\n\n<p>As the RBI Digital Lending Guidelines 2025 raise the bar, execution risk shifts from \u201cpolicy understanding\u201d to \u201cworkflow correctness.\u201d BeFiSc helps teams reduce blind spots by enabling:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Stronger identity and risk signal checks before and after disbursal<\/li>\n\n\n\n<li>Monitoring-ready workflows that support audit trails<\/li>\n\n\n\n<li>Cleaner partner accountability through API-first infrastructure<\/li>\n\n\n\n<li>Faster compliance rollouts without breaking product velocity<\/li>\n<\/ul>\n\n\n\n<p>In other words,<a href=\"https:\/\/www.befisc.com\/\"> BeFiSc<\/a> helps lending teams scale with fewer compliance surprises.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p><strong>RBI Digital Lending Guidelines 2025<\/strong> push the ecosystem toward transparency, consent-led data practices, accountable partnerships, and borrower-first controls. While this adds work, it also creates a clear advantage for fintechs that build trust into the product.<\/p>\n\n\n\n<p>Therefore, treat this like a product upgrade sprint, not a legal checklist. Clean systems compound. Messy flows don\u2019t.<\/p>\n\n\n<div class=\"saswp-faq-block-section\"><ol style=\"list-style-type:none\"><li style=\"list-style-type: none\"><h5 class=\"saswp-faq-question-title \">Do RBI Digital Lending Guidelines 2025 apply to fintechs directly?<\/h5><p class=\"saswp-faq-answer-text\">They apply to REs (banks\/NBFCs) and also to LSPs that support lending journeys. So if you operate as an LSP, your app flows and contracts fall under the framework.<br><\/p><li style=\"list-style-type: none\"><h5 class=\"saswp-faq-question-title \">What is the Key Facts Statement (KFS) requirement?<\/h5><p class=\"saswp-faq-answer-text\">The borrower must receive a digitally signed KFS before disbursal, clearly showing APR, charges, tenure, EMI, penalties, and key terms.<br><\/p><li style=\"list-style-type: none\"><h5 class=\"saswp-faq-question-title \">What changes for multi-lender loan marketplaces?<\/h5><p class=\"saswp-faq-answer-text\">From Nov 1, 2025, apps must show all matching offers fairly, disclose offer details clearly, and avoid dark patterns that bias borrower choice.<br><\/p><li style=\"list-style-type: none\"><h5 class=\"saswp-faq-question-title \">What is the biggest data privacy shift for lending apps?<\/h5><p class=\"saswp-faq-answer-text\">Apps must use explicit consent, restrict unnecessary permissions, and give borrowers controls to revoke consent and request data deletion.<\/p><\/ul><\/div>\n\n\n<p><\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img decoding=\"async\" width=\"1200\" height=\"630\" src=\"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/33.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/33.png 1200w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/33-300x158.png 300w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/33-1024x538.png 1024w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/33-768x403.png 768w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/33-400x210.png 400w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/33-800x420.png 800w, https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/33-832x437.png 832w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/figure>","protected":false},"excerpt":{"rendered":"RBI Digital Lending Guidelines 2025 mark a clear turning point for India\u2019s digital credit ecosystem. In simple terms,&hellip;","protected":false},"author":3,"featured_media":682,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","footnotes":""},"categories":[13],"tags":[17,18,16],"class_list":{"0":"post-180","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-rbi-guidelines","8":"tag-digital-lending","9":"tag-digital-lending-guidelines","10":"tag-rbi-guidelines","11":"cs-entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>RBI Digital Lending Guidelines 2025: Critical Risks to Fix<\/title>\n<meta name=\"description\" content=\"RBI Digital Lending Guidelines 2025 tighten KFS, consent, DLA reporting and DLG. 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