Approval / subject,Trigger and business model,Authority / official form URL,State and city,Required exhibits,Fee (verify),Filing reference,Effective status,Valid until / review,Reviewer,Evidence path
Software vendor with no funds custody,May differ from regulated payment operator; record what payment instruction or data is processed and the precise contractual allocation.,Check current authority portal,,,,,,,,
Offer loans through another bank/NBFC,A lending service provider is not itself authorised to lend from own book merely because of a bank partnership. Digital lending rules and outsourcing contracts may apply.,Check current authority portal,,,,,,,,
Offer personal investment recommendations,Assess SEBI investment adviser/research analyst registration perimeter; generic financial content differs from personalised regulated activity.,Check current authority portal,,,,,,,,
Issue stored-value wallets,Prepaid payment instrument activities can require RBI permission depending on design and exceptions; do not label deposits as loyalty points to evade law.,Check current authority portal,,,,,,,,
Cross-border payment app,"Check RBI/FEMA, authorised dealer, PSS/payment aggregator and sector restrictions before showing FX or collecting overseas payments.",Check current authority portal,,,,,,,,
Use account information via AA,"Verify Account Aggregator ecosystem roles, customer consent artefacts and data recipient obligations before plugging into APIs.",Check current authority portal,,,,,,,,