CICRA Compliance
Secure credit-information data and obtain specified-user certification under CICRA.
CICRA Data Gap
Against CICRA's data-security rules
Credit-Data VAPT
Testing of credit-information systems
Specified-User Cert
Certification for credit-data access
CISA Auditors
A CISA-certified audit team
What it is
CICRA governs how credit information companies and their members collect, store and share credit data in India, under RBI oversight. Compliance requires robust data-security controls and, for entities seeking specified-user access to credit data, certification by a qualified information-systems (CISA) auditor.
Who must comply
The four RBI-licensed credit bureaus, their member credit institutions, and fintechs or entities seeking specified-user status to access credit data.
How IntelligenceX helps
Frequently Asked Questions
The four credit bureaus, their member lenders, and any fintech or entity applying for specified-user status to consume credit data. If you touch credit-information data, CICRA's preservation and security duties apply.
RBI requires certification from a CISA-certified auditor confirming you can comply with CICRA's credit-information preservation and security rules. IntelligenceX delivers this audit and attestation.
Usually a few weeks once your data-security and access controls are documented and testable. We run the gap assessment first, help close any findings, then perform the CISA-led certification audit and issue the attestation for bureau onboarding.