Document Overlap
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A-020
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First documentCredit Bureaus and Deletion Requests: What Can Actually BeOpen original ↗
A-042
Second documentHandling Legacy Data Collected Before DPDP: A Board-Level PlanOpen original ↗
Low overlap
Top paragraph overlap
55.9%Page comparison
Paragraph matches
Strongest non-zero match for each paragraph.
First paragraph144 words
Common questions from BFSI leaders
Most institutions route complex cases—such as large defaults, politically exposed customers, or threatened litigation—through a cross-functional group led by compliance or the DPO, with input from credit risk, legal, and business owners. Documenting the rationale and approvals is as important as the decision itself. The Digital Personal Data Protection Act, 2023 - Ministry of Law and Justice, Government of India The Credit Information Companies (Regulation) Act, 2005 - Legislative Department, Ministry of Law and Justice, Government of India Master Direction – Reserve Bank of India (Credit Information Reporting) Directions, 2025 - Reserve Bank of India DPDP Act: Customers requesting credit data to be deleted may not be able to continue with banking system, says official - The Economic Times New law empowers credit firms to collect data without users’ consent, RBI tells Supreme Court - The Indian Express Credit Information Regime: Interpretation Conflicts And Emerging Ambiguities - Mondaq
55.9%
Second paragraph300 words
Executive checklist and common questions on DPDP legacy data
DPDP sits alongside, not above, sectoral and general laws that impose record-keeping duties. If RBI, SEBI, IRDAI, TRAI, or tax statutes require you to retain certain records for a defined number of years, you generally must continue to hold that data even if a Data Principal withdraws consent or asks for erasure, to the extent necessary to meet those legal obligations. Under DPDP, this can operate as a lawful basis under the category of compliance with law or legitimate uses. However, that does not give you a free licence to use the same data for unrelated purposes, such as marketing or broad profiling, once consent is withdrawn or the original purpose has been served. The practical approach is to build and maintain a retention schedule that clearly maps each category of data to its governing laws and minimum retention periods, ensure that fields kept solely for statutory purposes are segregated and access-controlled, and delete or anonymise non-essential fields when they are no longer needed. Where sectoral regulators issue their own privacy or cyber guidelines, align your legacy data programme with those expectations as well, so that you can show both the Data Protection Board and your primary regulator that you have reconciled the two regimes in a thoughtful, documented way. [2] Digital Personal Data Protection Act, 2023 - Ministry of Electronics and Information Technology, Government of India DPDP Rules, 2025 Notified – A Citizen-Centric Framework for Privacy Protection and Responsible Data Use - Press Information Bureau, Government of India Decrypting India’s New Data Protection Law: Key Insights and Lessons Learned - Bird & Bird Top 10 operational impacts of India’s DPDPA – Individual rights - International Association of Privacy Professionals (IAPP) Summary of DSCI’s submission to MeitY on Draft Digital Personal Data Protection Rules, 2025 - Data Security Council of India