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⚠️ Disclaimer

Please note the disclaimers regarding the document's limitations and the need for professional legal advice.

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List of Abbreviations

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• Digital Lending Application (DLA): A technology interface (web/mobile) used by an RE or its LSP for lending activities.

• Lending Service Provider (LSP): An entity engaged by an RE to support digital lending activities (e.g., acquisition, servicing, disclosures, collections), subject to the RE’s ultimate responsibility for compliance.

• Regulated Entity (RE): A bank, NBFC, or other financial institution regulated by the RBI. </aside>

• AML — Anti-Money Laundering

• AoA — Articles of Association

• APR — Annual Percentage Rate

• CDD — Customer Due Diligence

• CERT-In — Indian Computer Emergency Response Team

• CIN — Corporate Identification Number

• CoR — Certificate of Registration

• DLA — Digital Lending Application

• DLAs — Digital Lending Applications

• DPDP Act — Digital Personal Data Protection Act, 2023

• ESI — Employees’ State Insurance

• FATF — Financial Action Task Force

• FEMA — Foreign Exchange Management Act, 1999

• FPC — Fair Practices Code (issued by RBI)

• GRO — Grievance Redressal Officer

• GST — Goods and Services Tax

• IP — Intellectual Property