Regulatory compliance, in practice
Analysis, guides, and working notes from the OnFinance AI team on Indian financial regulation, circular tracking, and what AI-assisted compliance tooling can and cannot do.
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The Compliance Officer Day: What Still Takes Too Long and What Automation Changes
A look at how an Indian bank compliance officer actually spends a day when a new RBI circular drops, and where AI-assisted change detection changes the workload.
Mapping Regulatory Changes to Controls: The Step Most Tools Skip
When a circular changes a provision, the harder work is figuring out which internal controls need updating. Here is how automated policy-register mapping addresses that gap.
Tracking RBI Master Circulars for NBFCs: A Practical Look at the Current Burden
RBI issues consolidated Master Circulars at the start of each year, then amends them through notifications throughout the year. Tracking those amendments manually across 30-plus operational circulars is the compliance burden no one talks about.
What an Auditable Compliance Trail Actually Requires in Indian Banking
RBI inspection teams and internal audit committees look for different things when they review your compliance documentation. This piece breaks down what evidence you need to produce and in what form.
PFRDA Compliance for Fund Managers: Circulars That Changed the Most in 2025
Pension fund managers operating under PFRDA saw more than fifteen circular amendments through 2025. A breakdown of which ones changed operational requirements and which were largely clarificatory.
LLMs on Regulatory Text: Where They Are Accurate and Where They Are Not
Applying large language models to regulatory circulars is not a simple task. Provisions reference prior circulars by code, use legal-defined terms with narrow meanings, and sometimes contradict each other. Here is an honest account of what works and what requires human review.
Can You Automate Policy Register Updates? A Realistic Assessment
Policy registers in banks are living documents that need to be updated every time a circular changes a corresponding provision. The manual process is slow and error-prone. Here is what automation can handle and what still needs human judgment.
IRDAI Amendments and the Compliance Tooling Gap for Insurers
Insurance companies regulated by IRDAI face a compliance tooling market largely built for banking. This piece looks at the specific characteristics of IRDAI circulars that generic compliance tools handle poorly.
SEBI Circular Tracking: Turning Regulatory Updates into Actionable Tasks
SEBI issues circulars across brokers, depositories, mutual funds, and listed companies. Each type has a different compliance horizon and different action owners. How you translate a circular into a task list determines whether compliance happens on time.
Evidence Packs: What RBI Inspection Teams and Internal Auditors Actually Look For
An evidence pack that satisfies your internal audit committee and one that satisfies an RBI inspection team are not the same document. This piece draws from years of preparation experience to outline what each expects.
RBI Master Directions: How Amendments Actually Work and Why Change Detection Is Hard
RBI Master Directions are amended by subsequent circulars that do not always make the change relationship explicit. Detecting what changed requires cross-document reasoning, not just diff-against-previous-version logic.
Why Banks Keep Rebuilding the Same Compliance Report Every Time a Rule Shifts
The manual compliance reporting cycle in Indian banks is not just inefficient. It is structurally fragile, because the knowledge of what-changed-and-why lives in one team member who may not be there next time the same circular area is updated.
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