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KhojKaro
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RBI Quarterly Mandate

Vulnerability Assessment & Penetration Testing for Banks & Fintechs

OSCP/CEH certified penetration testers delivering quarterly VAPT as mandated by RBI for banks, NBFCs, and payment aggregators. Network, web application, mobile app, and API testing.

200+ VAPT assessments completed

Quarterly VAPT — RBI Says No Exceptions

RBI mandates quarterly Vulnerability Assessment and Penetration Testing for all banks and NBFCs. SEBI requires it for stock brokers and depositories. CERT-In expects regular security testing for critical infrastructure. Payment aggregators need it for RBI license compliance. Missing even one quarter triggers regulatory observation.

RBI
Quarterly VAPT for banks and NBFCs — network, application, and infrastructure
RBI Cyber Framework 2026
SEBI
VAPT as part of CSCRF compliance for market intermediaries
SEBI CSCRF Circular 2024
NPCI
Security testing for all UPI participants and payment processors
NPCI Security Guidelines

Who Needs VAPT?

Quarterly VAPT covering internet banking, mobile banking, core banking, ATM network, SWIFT/NEFT/RTGS interfaces, and all customer-facing applications.

Applies if: You offer any digital banking service

Lending platforms, digital wallets, payment apps must undergo quarterly penetration testing. Covers APIs, mobile apps, web portals, and backend infrastructure.

Applies if: You process financial transactions digitally

PA/PG license from RBI requires regular VAPT. Covers payment gateway, merchant integration, settlement systems, and fraud detection modules.

Applies if: You hold PA/PG authorization from RBI

PCI DSS compliance requires quarterly vulnerability scanning. Platforms handling card data need ASV scans and annual penetration testing.

Applies if: You process or store payment card data

VAPT Deliverables

Network Penetration Testing

External and internal network testing — port scanning, service enumeration, exploit attempts, privilege escalation, and lateral movement testing.

Web Application Testing

OWASP Top 10 testing — SQL injection, XSS, CSRF, authentication bypass, session management, and business logic flaws.

Mobile Application Testing

Android and iOS app testing — data storage, network communication, authentication, cryptography, and reverse engineering resistance.

API Security Testing

REST/SOAP API testing — authentication, authorization, injection, rate limiting, data exposure, and business logic abuse.

CVSS-Scored Vulnerability Report

Every finding scored using CVSS v3.1 with proof-of-concept, business impact, and specific remediation steps.

Re-testing After Fixes

Free re-test within 30 days to verify all critical and high findings have been properly remediated.

VAPT Pricing — Per Assessment or Annual Contract

Basic VAPT
Rs 1,00,000 - Rs 2,00,000
Single application or small network (up to 50 IPs)
  • Network OR web app testing
  • CVSS-scored report
  • Remediation guidance
  • One free re-test
  • 2-week delivery
Annual Contract (4 Quarters)
Rs 6,00,000 - Rs 12,00,000/year
Banks, NBFCs needing quarterly compliance
  • 4 quarterly VAPT cycles
  • Continuous vulnerability monitoring
  • Priority scheduling
  • Dedicated testing team
  • Board-ready quarterly reports
  • 20% discount vs per-quarter pricing

VAPT Process — Methodical & Thorough

Day 1-3

Reconnaissance & Planning

Define scope, gather intelligence, plan attack vectors, set rules of engagement, configure testing environment.

Day 4-10

Testing & Exploitation

Systematic vulnerability scanning, manual testing, exploitation attempts, privilege escalation, and documentation of findings.

Day 11-14

Reporting & Re-test

Deliver detailed report with PoC evidence. After client fixes critical issues, perform verification re-test at no additional cost.

2 weeks per cycle
KhojKaro
4-6 weeks
Others
50% faster, quarterly compliance met

Frequently Asked Questions

VAPT (Vulnerability Assessment and Penetration Testing) is a security testing methodology that identifies weaknesses in your IT systems before attackers exploit them. Vulnerability Assessment scans for known weaknesses. Penetration Testing actively tries to exploit them. Together, they provide a complete picture of your security posture.

VAPT costs in India range from Rs 1,00,000 for a basic single-application test to Rs 12,00,000/year for quarterly enterprise contracts. Factors: scope (number of IPs, applications), depth (automated vs manual), and frequency (one-time vs quarterly). Annual contracts offer 15-20% savings.

Yes. RBI mandates quarterly VAPT for all banks and NBFCs. The scope must include internet-facing applications, internal network, mobile apps, and APIs. Reports must be presented to the board and findings remediated within defined timelines. Missing quarterly VAPT is a regulatory observation.

Vulnerability Assessment is automated scanning that identifies potential weaknesses (like an X-ray). Penetration Testing is manual exploitation that proves whether those weaknesses can actually be used by attackers (like a surgery). VA finds the doors; PT checks if they are actually unlocked.

RBI mandates quarterly (every 3 months) for banks and NBFCs. PCI DSS requires quarterly ASV scans plus annual penetration testing. Best practice for any company processing sensitive data is at minimum annual penetration testing plus quarterly vulnerability scanning.

Look for: OSCP (Offensive Security Certified Professional) — the gold standard for penetration testers, CEH (Certified Ethical Hacker), GPEN (GIAC Penetration Tester), and CREST certification. For web applications, look for OSWE. Avoid teams that only do automated scanning without manual testing.

Get Your Free VAPT Assessment

No obligation. We review your current setup, identify gaps, and tell you exactly what you need — in plain language, not jargon.

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Or call: +91-8293037387 (Mon-Sat, 9am-7pm)