Compliance for Fintech & Banking
Navigating financial regulations in India is complex. Ensure your marketing doesn't cross the line into unauthorized advice or deceptive return claims.
Protect your license to operate.
Financial regulators mandate strict constraints on how investments and banking products can be marketed. A single "guaranteed return" claim in a social post can trigger severe regulatory scrutiny.
Absolute Return Flags
Automatically catch "guaranteed", "sure-shot", or absolute return claims in copy, audio, and imagery before they are published.
Finfluencer Oversight
Monitor contracted creators for compliance with recent guidelines governing financial influencers, ensuring proper disclosures are always present.
Mandatory Disclosures
Check that required risk warnings and registration numbers appear in banners, landing pages and the spoken script of videos.
Real-world evaluation example
Flagged Draft
HIGH RISK"Double your money in 6 months guaranteed. Join our VIP trading group today."
Violation: Absolute return claims and unregistered advisory implications.
Compliant Alternative
APPROVED"Aim for steady growth with our diversified portfolio tools. Investments are subject to market risks."
Rules Scanfusion checks for fintech, lending, insurance and investment brands
These packs are switched on in every new workspace. Each rule cites the Act, regulation or guideline it comes from, and your team can edit rules or add its own.
SEBI Investment Advertising
SEBI-1No assured or guaranteed returns
SEBI (Investment Advisers) Regulations 2013; SEBI (Research Analysts) Regulations 2014; SEBI advertisement codes
SEBI-2Show SEBI registration details
SEBI (Investment Advisers) Regulations 2013; SEBI (Research Analysts) Regulations 2014
SEBI-3No association with unregistered finfluencers
SEBI (Intermediaries) Regulations 2008 as amended Aug 2024; SEBI circular (Oct 2024) on association with unregistered persons
SEBI-4Education content uses stale prices only
SEBI circular dated 29 Jan 2025 (investor-education exemption)
SEBI-5Mutual fund standard warning
SEBI (Mutual Funds) Regulations 1996, Sixth Schedule (advertisement code)
RBI Digital Lending
RBI-1Disclose APR and all charges
RBI (Digital Lending) Directions, 2025 — Key Fact Statement and APR disclosure
RBI-2Name the regulated lender
RBI (Digital Lending) Directions, 2025
RBI-3No guaranteed approval or coercive language
RBI (Digital Lending) Directions, 2025; RBI Fair Practices Code
RBI-4Unbiased multi-lender displays
RBI (Digital Lending) Directions, 2025 (multi-lender arrangements, from 1 Nov 2025)
IRDAI Insurance Advertising
IRDAI-1Insurer identity and registration
IRDAI (Protection of Policyholders' Interests and Allied Matters of Insurers) Regulations 2024 and Master Circular (2024)
IRDAI-2No unguaranteed returns presented as guaranteed
IRDAI Regulations 2024 and Master Circular (2024)
IRDAI-3ULIPs are not investment products
IRDAI Master Circular (June 2024)
IRDAI-4Disclose key exclusions and conditions
IRDAI Regulations 2024 and Master Circular (2024)
ASCI Influencer Guidelines
INF-1Upfront paid-partnership disclosure
ASCI Guidelines for Influencer Advertising in Digital Media (2021, as amended)
INF-2Virtual influencers disclose they are not human
ASCI Guidelines for Influencer Advertising in Digital Media
INF-3Qualified health and finance advice
ASCI Influencer Guidelines, Addendum (April 2025)
INF-4Disclosure visible across formats
ASCI Guidelines for Influencer Advertising in Digital Media
Citations are screening aids, not legal advice. Every finding still needs a decision from your reviewer.
Frequently asked questions
Can a fintech or broker ad promise guaranteed returns in India?
No. SEBI rules for investment advisers, research analysts and mutual funds prohibit promising or implying assured returns. Scanfusion flags phrases such as "guaranteed", "assured 2% daily" or "risk-free profit" in copy, images and the spoken script of videos, and suggests a compliant rewrite.
What must a finfluencer post show?
Paid or sponsored content needs an upfront label such as #ad. Anyone giving advice on securities must show their SEBI registration number, and SEBI-regulated entities must not associate with unregistered people who give investment advice or make return claims. Scanfusion checks for each of these.
What does RBI require in digital lending ads?
Under the RBI Digital Lending Directions, loan ads that quote rates or EMIs must not hide fees and should give the all-inclusive APR. They must name the bank or NBFC actually lending and must not promise guaranteed approval. Scanfusion flags "zero interest" or "no hidden charges" claims that lack APR context.
Does Scanfusion check insurance advertising against IRDAI rules?
Yes. The IRDAI pack checks for the insurer’s registration number and product UIN, unguaranteed benefits presented as guaranteed, ULIPs sold as pure investments, and cover claims that leave out key exclusions or waiting periods.
Can it review videos and reels, not just text?
Yes. Scanfusion transcribes speech in audio and video and reads on-screen text, then reports each finding with a timestamp so the reviewer can jump to the exact moment.