Fintech & Digital Payments Regulation in India
RBI fintech regulation, payment aggregator and gateway rules, UPI, lending guidelines, account aggregator, and digital lending compliance.
Fintech regulation in India is driven primarily by the Reserve Bank of India through its master directions and circulars, layered with NPCI rules for UPI, SEBI rules where investment products are involved, and statutory overlays from the Payment and Settlement Systems Act and the Banking Regulation Act.
The articles in this section examine the obligations that determine whether a fintech product is even legal to launch: the licensing pathway for payment aggregators and payment gateways, the tightening guardrails on digital lending and the role of regulated entities versus LSPs, KYC and customer-due-diligence requirements, the operational rules for prepaid instruments, account aggregator architecture, and recent RBI enforcement themes that signal where supervisory attention is moving.
The lens is in-house and operational: what compliance and product teams must build, what must be disclosed, and where the regulator has shown an increasing willingness to act.
Articles in this section
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