Indian fintech is a fast-growing industry, and as such, with the massive levels of innovation comes the responsibility of heavy regulation. In case your company involves the processing of digital payments, the concept of System Audit Report (SAR) probably has come across your mind in India. Since the Reserve Bank of India (RBI) progressively increases its control on data localisation and cybersecurity, adhering to it is not merely a matter of avoiding penalties but also a question of demonstrating that your platform is a secure haven for millions of users.
What is a System Audit Report (SAR) in India?
Fundamentally, the System Audit Report (SAR) in India is a compulsory examination that the RBI mandates for each and every PSO (Payment System Operator) and participant. It is a high-stakes and fairly straightforward goal: to make sure that all of the data concerning payment transactions is kept only in India and that the mechanisms controlling such data are resistant to cyber attacks.
It is not a sort of “set it and forget it” thing. The RBI anticipates an ongoing investment into security. A SAR audit takes a dip in your technical infrastructure and looks at how you are dealing with:
Data Localisation: Checking that the detail of end-to-end transactions is stored in Indian servers.
Network Security: Making sure your access controls and firewalls are inaccessible.
Incident Response: Testing your speed in identifying and counteracting a breach.
The Reason You Should Have an Indian SAR Compliance Audit.
Managing the RBI circulars can be like a foreign language. It is at this juncture that having a specialised SAR compliance audit in India will be of the most importance to you. Although numerous companies are providing general IT audits, SAR will need to have particular knowledge of the Payment and Settlement Systems Act.
Collaboration with a professional provider such as Cyber Quess has three significant benefits:
Regulatory Precision: We make sure that all your specific controls required by the RBI, i.e., data storage and the right to audit clause, are with your third-party vendors.
Risk Mitigation: In addition to the report, we can discover the silent open doors within your network that would cause leaks or unauthorised access of data.
Market Credibility: A clean SAR report with certified auditors is a great badge of honour in the event that you are negotiating with banks or seeking VC financing.
The Cyber Quess Approach: It Is More Than a Checklist.
Compliance is something that we think should enable you to grow, not retard you at Cyber Quess. The Big Four of certified auditors and veterans of our team offers a high-fidelity System Audit Report (SAR) in India, which is customised to the specific needs of fintechs and PSOs.
Our workflow is targeted at being a smooth process:
- Step 1: Gap Analysis: The first step we take is to examine what you have now to determine your position in relation to the RBI expectations.
- Step 2: Technical Deep-Dive: We conduct a thorough audit of your encryption level, access logs and data localisation procedures.
- Step 3: Remediation Support: When a gap occurs, we do not simply draw attention to it, but we assist in correction by providing technical support to act on the gap.
- Step 4: Final Report: We present a detailed audit-ready SAR which you can submit to the RBI without any doubts.
The year 2026, according to the name of this literary work, is called the Year of the Secure Fintech.
Going into 2026, cyber risks are rated as the most significant business risk in the world. To Indian companies, the DPDP Act and revised RBI requirements imply that there is no more room to make mistakes. An Indian SAR compliance audit is no more a luxury; it is a prerequisite to any business that is interested in being taken seriously within the digital economy.
When you settle on Cyber Quess as your SAR Compliance Audit partner, you are settling on an entity that has already acquired more than 100+ customers within the BFSI and government segments. We deploy AI-based threat intelligence to make sure that your system is not only in compliance today but also in the future.
Don’t Run the Risk of Losing Your Operating Licence.
Compliance is not something that the RBI takes lightly. It may be a new startup or a maturing payment gateway, but no matter, the moment to harden your insides is now.
Is your platform audit-ready? Bring back your RBI SAR Compliance Audit with liaison with Contact Cyber Quess today!
