RBI’s Digital Lending Directions 2025 and SMS Compliance for Fintech

RBI’s new guidelines require fintech lenders to follow strict messaging norms to prevent fraud and protect borrowers. This includes clear disclosures, consent management, and secure messaging practices.

• Send only RBI-compliant messages with proper disclosures.
• Use secure channels for OTP and transaction alerts.
• Avoid unsolicited promotional messages.
• Keep audit trails for all communications.