Banking
Assurance that credit reaches its intended use, and investigations that stand up when it does not.
The issues clients bring us.
- Loan fraud and end-use diversion
- Borrower group and related-party opacity
- Collateral over-valuation
- Mule accounts and digital fraud
- Staff collusion
What we do about them.
- Lenders' assurance services
- Agency for Specialised Monitoring (ASM) services
- Forensic audits on stressed accounts
- Asset tracing for recovery
- Vigil mechanism and investigations
Keep the record with BDI's governance tools.
The numbers behind the risk.
Credit, capital markets and private capital are all at record scale, and so is the value of fraud reported to the regulator.
Regulatory and market updates
- Digital Lending Directions, 2025
The RBI consolidated digital lending rules from 8 May 2025, with enhanced due diligence on lending service providers and multi-lender arrangements from 1 November 2025.Source: Legal 500
- DPDP Rules in force
Notified on 13 November 2025, with most obligations, including breach notification, security safeguards and retention, applying from May 2027.Source: Hogan Lovells
- Fraud re-examination
FY26 totals include 314 older cases worth ₹30,199 crore re-classified after the Supreme Court's March 2023 ruling on natural justice in fraud classification.Source: Outlook Business, citing the RBI Annual Report 2025-26
A global wealth and banking hub with fast-growing balance sheets, a tougher AML regime and a surge of family-office structures.
Regulatory and market updates
- AML Decree-Law No. 10 of 2025
Broadens scope to virtual assets, lowers evidential thresholds, strengthens the FIU and raises penalties.Source: Hadef & Partners
- Data protection still maturing
The UAE PDPL has been in force since January 2022, but its executive regulations remained unissued as of August 2026.Source: BusinessDubai
- 02Private EquityBefore you invest, know who you are backing; after you invest, know where the money is going.
- 02NBFCsFast-growing lenders need diligence and monitoring that keep pace with disbursement.
- 02Family OfficesDiscreet diligence and governance for families investing across India, the UAE and beyond.
Platforms referenced: Whistle SentinelPactinex
Sources
- Outlook Business, citing the RBI Annual Report 2025-26, Financial institutions report over 10,000 cases of fraud involving ₹48,000 crore in FY26, May 2026.
- Bain & Company and IVCA, India Private Equity Report 2026, 2026.
- IANS, citing I4C / NCRP data, Indians lose over ₹52,976 crore to cyber frauds over six years, Jan 2026.
- Legal 500, The RBI's Digital Lending Directions, 2025: a unified code, 2025.
- Hogan Lovells, India's Digital Personal Data Protection Act 2023 brought into force, Nov 2025.
- Emirates 24|7, citing CBUAE data, UAE banking sector August 2026: total assets hit Dh5.74 trillion, Oct 2026.
- Milano Finanza, Dubai International Financial Centre: revenues up 20%, profit up 28% in 2025, Feb 2026.
- Hadef & Partners, A new era for AML/CTF/PF in the UAE: Federal Decree-Law No. 10 of 2025, Oct 2025.
- Reuters (via New Straits Times), UAE's real GDP grows 6.2% in 2025, May 2026.
- BusinessDubai, UAE PDPL: personal data protection guide, Reviewed Aug 2026.