Enterprise RAG for BFSI

Enterprise RAG for BFSI India

Your credit officers spend 2 hours searching RBI circulars and loan policy documents for every new query. XPndAI builds a private AI assistant that answers policy questions in seconds — from your own document corpus, on your own infrastructure.

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2 hrs → 30 secPolicy query time
100%Private deployment
RBICirculars indexed
4-6 wksBuild time

BFSI Knowledge AI Use Cases

📜

RBI Circular Assistant

Ask any RBI policy question — the AI searches the indexed RBI master circulars, directions, and notifications and gives a precise answer with the specific circular cited.

💰

Loan Policy Assistant

Credit officers ask "what is our maximum LTV for LAP in Tier 3 cities?" — AI answers from your internal credit policy documents instantly.

🔒

Compliance RAG

Compliance team queries SEBI, IRDAI, or FEMA regulations — AI surfaces the relevant provision with citation, instead of a 2-hour manual search.

📋

Internal Audit AI

Auditors ask questions across SOPs, past audit reports, and control documents — AI aggregates relevant information for audit workpapers.

🏦

KYC Policy Bot

Operations team queries KYC norms — "Can we onboard a foreign national with a passport for a savings account?" — AI answers from RBI master KYC directions.

🛡️

FEMA & AML Assistant

Searches FEMA regulations, PMLA guidelines, and your internal AML policy for cross-border transaction queries and suspicious transaction review.

How XPndAI Delivers

Fixed price · 4–6 weeks · You own all code

Step 1

Corpus Identification

We identify all documents to index — RBI master circulars, internal credit policy, operations SOPs, audit reports, product manuals. Typically 500–5,000 documents.

Step 2

Regulatory Tuning

Retrieval system tuned for BFSI regulatory language — RBI circular numbering, SEBI notification formats, IRDAI regulation citations, and Indian banking terminology.

Step 3

Private Secure Deployment

Deployed on your existing AWS/GCP environment or on-premise infrastructure. RBI's data localisation requirements are fully met.

Step 4

Access Control by Role

Credit officers access credit policy. Compliance team accesses regulatory documents. Finance team accesses accounting policy. Each user only sees authorised documents.

Pricing

Fixed price. No monthly fees. No per-usage billing.

Departmental
₹10–18L
Single team, one document corpus
Full BFSI RAG
₹25–55L
Multi-team, RBI + internal docs, role access
Enterprise
₹65L+
On-prem LLM, air-gapped, multi-entity

Frequently Asked Questions

Does XPndAI's RAG system meet RBI's data localisation requirements?

Yes. XPndAI deploys the entire RAG system within your own cloud infrastructure (AWS Mumbai, GCP Mumbai, or on-premise data centre) — no customer data or query content leaves Indian infrastructure. This satisfies RBI's data localisation requirements for financial data.

Can the system be updated when RBI publishes new circulars?

Yes. XPndAI builds an automated ingestion pipeline — when a new RBI master circular or direction is published, it can be automatically ingested and indexed within minutes. Your compliance team gets a notification that the knowledge base has been updated.

Can the AI handle questions that span multiple regulations?

Yes. A question like "what are the combined KYC and FEMA requirements for onboarding an NRI customer for a fixed deposit?" requires reading across RBI KYC directions, FEMA regulations, and your internal NRI banking policy. XPndAI builds multi-document retrieval that handles cross-regulation queries.

How does the AI handle conflicting information between an older policy and a newer RBI circular?

XPndAI builds recency-aware retrieval — documents are tagged with their effective date, and the AI preferentially surfaces the most recent applicable guidance. When there's a genuine conflict, the AI flags it explicitly and cites both documents, rather than silently choosing one.

Policy queries should take 30 seconds, not 2 hours.

Free discovery call for banks and NBFCs. Fixed price. On your infrastructure.

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