Decision ID,Approval / review,Facts to establish,Authority,Prescribed-form route,Fee handling,Completion evidence,Professional question,Official source,Actual entity,State / UT,City / premises,Actual activity and scale,Applicable instrument / clause,Current form identifier,Decision and reason,Owner,Review date,Certificate / evidence reference
fintech-startup-01,Regulatory perimeter,"Draw the actual funds, credit, data and customer-contract flows.",RBI or other activity-specific regulator,Select bank/NBFC/payment/other applicable directions; separate own authorisation from a service-provider agreement.,"Regulatory capital, security, application fees and professional fees are distinct; obtain the applicable current instrument.","Funds-flow map, contracts, authorisations, ownership, product screens and compliance allocation.","Does the company conduct a regulated activity, or only provide technology to an authorised institution?",https://www.rbi.org.in/Scripts/BS_ViewMasDirections.aspx,,,,,,,,,,
fintech-startup-02,Investment-content and distribution branch,"Identify personalised advice, paid research, execution, broking, distribution and financial promotion.",SEBI and other competent market authorities,Assess each actual service and applicable registration before using labels such as educational or technology-only.,Do not treat one registration fee or capital test as universal across intermediary categories.,"Service scope, remuneration, customer communications, registration and suitability/disclosure records.","Do advice, research or transaction activities require a separate registration or a prohibition on the proposed model?",https://www.sebi.gov.in/,,,,,,,,,,
fintech-startup-03,Partner and customer evidence,"Identify whose licence, account and grievance system each customer actually relies on.",Applicable regulated entity and regulator; consumer authorities,Create an evidence-backed responsibility schedule and customer complaint/cancellation route.,"Pass-through collections, deposits and customer balances are not fee income or freely available working capital.","Partner due diligence, approvals, settlement reconciliation, KFS/disclosures where applicable and incident logs.","Are product claims, data sharing and money flows consistent with the authorised partner arrangement?",https://www.indiacode.nic.in/handle/123456789/15256,,,,,,,,,,