RBI Data Localization Audit compliance simplified.
Ensure absolute compliance with RBI directives on local payment storage. We deliver thorough data-mapping reviews, purging validation, and CERT-In certified System Audit Reports (SAR).
Why Data Localization Audit matters
The Reserve Bank of India mandates that all payment system operators, banks, and intermediaries store entire end-to-end payment transaction details locally within India. Failure to comply can result in severe licensing limitations and blocking directives.
- Ensures full compliance with RBI April 2018 Payment Data Storage Directive
- Mandatory for all Banks, Card Networks, PPI Issuers, PAs, and Fintech operators
- Avoids severe regulatory penalties, account freezes, or license suspensions
- Provides official CERT-In System Audit Report (SAR) for hassle-free submission
Core Principles
What you receive
Comprehensive compliance framework
We provide data mapping, database schema audits, security validation of purging pipelines, and complete certified submission documentation.
Data Flow & Storage Mapping
Comprehensive inventory mapping of all customer details, payment credentials, transaction logs, and database environments.
- Data Lifecycle & Flow Diagrams
- Database Inventory & Schema Reviews
- Data Classification Register
CERT-In System Audit Report (SAR)
Official audit report validated by a CERT-In empanelled auditor confirming that no payment data is retained outside India.
- Local Storage Verification Report
- VAPT Assessment on Database Perimeters
- CERT-In Empanelled Auditor SAR Attestation
Purge & Retention Policy Manual
Structured policy frameworks and verification runbooks to validate 24-hour database purging limits for foreign transaction processing.
- 24-Hour Purge Validation Manual
- Cross-Border Copying Controls Guide
- Retention & Archival Governance Runbooks
Final Compliance Dossier
The complete compiled submission folder formatted to meet the specific requirements of the Reserve Bank of India.
- RBI Format Compliance Matrix & Proofs
- Executive Summary for Board & Stakeholders
- Signed System Audit Report (SAR) Package
Audit Process
How RBI Data Localization audit works
Our approach structures physical and logical storage checks to verify database setups and processing mechanisms against the localized framework guidelines.
Step 1
Define Audit Scope and map all payment data flows & database locations
Step 2
Verify payment data storage locations and database compliance
Step 3
Perform VAPT & verify access control lists for local databases
Step 4
Evaluate cross-border data processing and 24-hour purging compliance
Step 5
Run pre-audit verification and prepare System Audit Report (SAR) draft
Step 6
Submit final CERT-In signed SAR and Board-approved compliance certificate to RBI
Get Started
Ready for RBI Data Localization compliance?
Speak to our CERT-In auditor experts today to schedule your compliance assessment and ensure full local data compliance.