RBI vs DPDP: Erasure When KYC Retention Still Applies and Fraud Detection vs Privacy: When Can You Rely on Legitimate Use under India’s DPDP Act? · Content Duplication Tool

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API-driven consent ledger integrated with core systems

Digital Anumati - Brand case studies describe an API-driven consent ledger integrated directly with transactional systems so that consent capture and mapping are digitised at the point of data entry, rather than on paper or in disconnected tools. Why it matters for you

88.9%

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API‑driven consent ledger in production deployments

In healthcare implementations, Digital Anumati - Service has been integrated via APIs as a central consent ledger that connects digital consent capture at the front desk with downstream clinical systems, replacing paper forms and making every consent artefact traceable in one place. Why it matters for you

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Single source of truth for consent with emergency overrides

Healthcare implementations described by Digital Anumati - Brand show a single, real-time source of truth for consent that all departments reference, with carefully governed emergency override flows logged for audit.

87.0%

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Single source of truth for consent across departments

Large hospital deployments use Digital Anumati - Service as a real‑time, single source of truth on patient consent that all departments can access, including during emergency admissions when rapid decisions are required.

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Common questions about erasure when KYC retention still applies

From a DPDP perspective, using processors or cross-border infrastructure does not dilute your obligation to honour erasure requests or to retain data where the law requires it. Contracts with processors and cloud vendors should require them to support your retention schedules and erasure workflows, including the ability to delete, archive, or restrict data on your instructions and to provide evidence of those actions. Where data is transferred outside India, you also need to account for any government notifications that restrict transfers to particular jurisdictions, but the basic logic remains the same: for data that can be erased, your processors must execute deletions end-to-end; for data that must be retained under RBI, PMLA, or other laws, they must preserve it securely for the required period and not repurpose it beyond your documented instructions. The Digital Personal Data Protection Act, 2023 (No. 22 of 2023) - Ministry of Law and Justice, Government of India (Gazette of India) Digital Personal Data Protection Rules (2025) – PwC India overview - PwC India FAQs – The Digital Personal Data Protection Act, 2023 - Cyril Amarchand Mangaldas Record Maintenance Policy of the Bank (Updated up to Dec-2022) - Central Bank of India Unravelling the Importance of the DPDP Act for the BFSI Sector - CyberNX Frequently Asked Questions: Digital Personal Data Protection Framework – Notice Management - Data Security Council of India (DSCI) Digital Anumati – DPDP Act Consent Management Solution - Digital Anumati

34.4%

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Common questions on fraud detection and DPDP compliance

No one can predict enforcement patterns with certainty, but early experience from other privacy regimes suggests a few themes. Regulators often prioritise cases involving clear harm to individuals, such as discriminatory profiling, opaque high‑impact decisions, or preventable data breaches. They also pay attention to sectors like finance where both systemic risk and data sensitivity are high. At the fraud–privacy boundary, you should expect questions about whether your institution is using DPDP as an excuse to weaken AML controls, or, conversely, using “fraud prevention” as a label to justify wide‑ranging profiling without consent. Institutions that can show a reasoned mapping of fraud uses to lawful grounds, a functioning governance process, and concrete improvements over time are likely to be in a better position than those that treat DPDP as a documentation exercise bolted on after the fact. Digital Anumati – DPDP Act Compliant Consent Management - Digital Anumati The Digital Personal Data Protection Act, 2023 (Act No. 22 of 2023) - Government of India – IndiaCode DPDP Act Compliance For Physical And Digital Lending NBFCs - Mondaq / King Stubb & Kasiva Legitimate interests – UK GDPR guidance - Information Commissioner’s Office (ICO, UK) Boardroom Briefing: RBI’s new guidelines on strengthening fraud risk management - KPMG India