Regulatory approvals.
RBI/NBFC licensing, payment aggregator authorisations, insurance and wealth distribution approvals, and sandbox engagement.
RBI licensing & supervision
Digital lending norms
Payments & fintech stacks
Data privacy & cyber
Capital & partnerships
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Sector Dynamics
Legal Imperative
Financial innovators are scaling embedded credit, payments, insuretech, and wealth stacks as regulators recalibrate risk guardrails in real time. RBI and SEBI directives now demand granular outsourcing controls, AI explainability, cybersecurity hygiene, and resilient grievance redressal. Investors interrogate compliance cultures, AML playbooks, and data residency posture before term sheets land. One lapse in KYC orchestration, consent management, or collections conduct can stall licences and invite enforcement. We fuse prudential insight with product design governance, enabling fintech boards to commercialise responsibly while staying audit-ready across every supervisory touchpoint.
CELA & Industry
CELA & Fintrust Architects
We support digital banks, NBFCs, payment aggregators, lending marketplaces, insure-techs, wealth managers, and capital markets infrastructure. From licensing strategy to transaction execution, we align products and partnerships to regulatory expectations and investor diligence.
Our Core Capabilities
How CELA Enables Fintech, Banks & NBFCs
Licensing, product, risk, and growth strategies delivered with regulatory certainty.
Product compliance architecture.
Digital lending norms, UPI/PPIs, co-lending, AA frameworks, outsourcing policies, and regulatory reporting design.
Risk, governance & audit.
Board charters, SRO alignment, AML/KYC, stress testing, customer grievance redressal, and RBI inspection readiness.
Data, privacy & cyber resilience.
DPDP, localisation, consent management, third-party risk, breach playbooks, and security architecture for regulated entities.
Strategic partnerships.
Bank-Fintech collaborations, FLDG and co-lending structures, distribution alliances, and BaaS documentation.
Capital & consolidation.
Equity, debt, securitisation, distressed asset deals, M&A, and global expansion under FEMA, FDI, and cross-border regulations.
We fuse policy fluency, tech literacy, and transaction depth so financial innovators can grow responsibly.
Industry Focus
Services for Fintech, BFSI & NBFC Teams:
Regulatory Strategy
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Licensing & RBI Engagement
Create licensing roadmaps, prepare applications, manage regulator queries, and design compliance frameworks for launch.
Product Enablement
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Digital Lending & Payments
Structure DLAs, LOS/LMS integrations, payment aggregator agreements, fraud controls, and customer disclosures.
Governance
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Risk, AML & Compliance Ops
Develop AML/KYC programmes, fair practices codes, outsourcing and IT policies, audit trails, and board reporting.
Data Trust
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Privacy, Security & Cyber
Implement DPDP controls, SOC processes, vendor DPAs, breach simulations, and incident response governance.
Growth Capital
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Debt, Equity & Securitisation
Structure venture debt, securitisation, covered bonds, and strategic equity with regulatory and investor alignment.
Strategic Moves
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Alliances & Exits
Negotiate BaaS, co-branded, and co-lending deals, orchestrate acquisitions, and manage global expansion or exit pathways.
Client Impact Spotlight
Our Clients’ Success in Agriculture, Food & FMCG/CPG
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Link financial innovation with commerce, data, and infrastructure.
Unlock differentiated fintech plays by aligning with omnichannel retail, enterprise SaaS stacks, and digital infrastructure programmes.
Regulatory playbooks for trust-first finance
Navigate RBI, SEBI, and data laws through insights on product design, partnership governance, and capital strategy.