Comprehensive IS audits covering RBI's cybersecurity framework, IT governance, risk management, and business continuity. CISA/DISA certified team delivering audit-ready reports in 3 weeks.
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The RBI Cybersecurity, Technology: Risk, Resilience and Assurance Framework (2026) mandates comprehensive IS audits for all commercial banks, NBFCs, and payment aggregators. The new framework requires CISO independence, 6-hour incident reporting, board-level cyber reporting, and continuous risk management. Non-compliance means license risk.
All 10,000+ RBI-registered NBFCs must undergo annual IS audit. Covers lending platform security, customer data protection, and IT governance controls.
The new RBI 2026 framework applies immediately. IS audit scope now includes AI-driven threat assessment, 24x7 CSOC evaluation, and third-party risk governance.
Payment aggregators, digital lending platforms, and UPI participants require IS audit for RBI license conditions and NPCI compliance.
IRDAI mandates annual IS audit for all general and life insurance companies. Scope covers policyholder data, claims systems, and agent portals.
Review of IT strategy alignment, organizational structure, CISO independence, and board-level technology oversight.
Assessment of IT risk framework, risk register, risk appetite definitions, and residual risk tracking.
Technical testing of access controls, encryption, network security, endpoint protection, and application security.
Evaluation of BCP/DR plans, RTO/RPO definitions, DR drill results, and recovery capability.
Gap analysis against RBI cyber framework, SEBI CSCRF, or IRDAI guidelines with compliance percentage scoring.
Executive summary for board submission plus detailed technical findings with CVSS-scored vulnerabilities.
Define audit universe, review previous reports, collect IT policies, map regulatory requirements to audit objectives.
On-site and remote testing of controls, vulnerability scanning, configuration reviews, interview key personnel.
Draft report with findings, management responses, risk ratings. Final board-ready report with remediation timeline.
Yes. RBI mandates annual IS audit for all categories of NBFCs. This requirement was strengthened in 2024 and further expanded by the new RBI Cybersecurity Framework issued July 31, 2026. Non-compliance can result in supervisory action including restrictions on business operations.
IS audit for banks covers: IT governance, information security policies, access management, network security, application security, database security, business continuity, disaster recovery, incident management, vendor/third-party risk, and regulatory compliance. The new 2026 RBI framework adds AI threat assessment and CSOC evaluation.
IS audit costs range from Rs 75,000 for small NBFCs to Rs 6,00,000+ for large banks. Big 4 firms typically charge Rs 15-25 lakh for the same scope. KhojKaro delivers the same regulatory-compliant quality at 60-70% lower cost with faster turnaround.
IS auditors should hold CISA (Certified Information Systems Auditor) from ISACA, DISA (Diploma in IS Audit) from ICAI, or equivalent. For VAPT components, OSCP/CEH certifications are relevant. RBI does not mandate specific certifications but expects demonstrated competence.
IS audit is broader — it covers governance, risk management, policies, business continuity, and technical controls. Cybersecurity audit focuses specifically on technical security controls, vulnerability management, and threat detection. An IS audit typically includes cybersecurity as one component.
RBI mandates annual IS audit at minimum. However, the new 2026 framework requires continuous risk management and quarterly board reporting on cybersecurity posture. Many organizations now conduct IS audits semi-annually with quarterly vulnerability assessments.
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