Automate MFI and NBFC governance, risk, and compliance — central bank compliance, portfolio risk monitoring, capital adequacy tracking, and regulatory reporting in one platform.
MFIs and NBFCs face growing regulatory scrutiny — requiring automated, continuous compliance management without enterprise-scale budgets.
Microfinance institutions and NBFCs must comply with evolving central bank directives, prudential norms, and fair lending regulations — often without dedicated compliance teams or enterprise-grade tools.
Managing credit concentration, portfolio-at-risk (PAR), and borrower default exposure across thousands of micro-loans requires systematic risk monitoring that manual spreadsheets cannot provide.
MFIs and NBFCs often operate through extensive branch networks and field agents. Ensuring consistent governance, policy adherence, and internal controls across decentralized operations is a persistent challenge.
Regulators conduct periodic examinations of MFIs and NBFCs — reviewing capital adequacy, asset quality, and AML compliance. Preparing for these examinations manually is time-intensive and error-prone.
Purpose-built governance, risk, and compliance automation for microfinance institutions and NBFCs.
Map central bank and regulatory directives to internal controls automatically. GRC Sphere monitors compliance with RBI/central bank guidelines, prudential norms, and fair lending requirements in real time.
Monitor portfolio-at-risk, credit concentration, borrower default trends, and loan delinquency across your entire microfinance portfolio with AI-driven risk analytics and early warning indicators.
Continuously track capital adequacy ratios, tier-1 capital, and provisioning requirements against regulatory minimums. Automated alerts flag capital shortfalls before they become examination findings.
Ensure consistent governance across branch networks and field operations. Automated compliance checklists, branch audit workflows, and agent conduct monitoring for decentralized MFI/NBFC operations.
Generate regulatory reports for central banks and supervisory authorities automatically. Pre-built templates for prudential returns, capital adequacy reports, asset quality reviews, and AML filings.
Real-time governance, risk, and compliance dashboards for MFI/NBFC boards and senior management. Board-ready reports with risk trends, compliance status, and regulatory examination readiness scoring.
Compliance with central bank directives, master directions, and supervisory guidelines for MFIs and NBFCs.
Capital adequacy, asset classification, provisioning, and income recognition norms for non-banking financial companies.
Expected credit loss modeling, financial instrument classification, and impairment compliance for MFI/NBFC portfolios.
Fair practices code, interest rate transparency, responsible lending, and borrower protection compliance.
Anti-Money Laundering and Counter-Financing of Terrorism compliance — KYC, transaction monitoring, and STR reporting.
Minimum capital ratio monitoring, tier-1 capital tracking, and regulatory capital adequacy reporting.
See how GRC Sphere can streamline central bank compliance, portfolio risk governance, and regulatory reporting for your MFI or NBFC.