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How RBI’s tightening grip on digital lending and payment aggregators is reshaping the fintech compliance playbook

The stringent regulations from the Central Bank of India are proving instrumental in reshaping the fintech ecosystem in the country.

The Reserve Bank of India (RBI) continues to keep a close watch on the fintech sector. Especially its special focus on the digital lending platforms and the payment aggregators has sharpened of late. RBI’s mandates are redefining compliance, and for the businesses in these sectors, it has become mandatory to not just adjust operations but also get aligned with new regulations. Now, with the Budget 2026 policy announcements, the RBI is heading towards creating a more tightly controlled, regulated financial environment. The responsible digital finance implementation, together with improved consumer protection measures and enhanced payment system supervision, as well as digital credit monitoring, will usher in a new era post-Budget 2026.

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