🇮🇳 Made in India, for the world
🇮🇳 Made in India, for the world
AI-native regulatory intelligence

Compliance that reads the rulebook so you don't have to.

ReQL turns RBI, SEBI, MCA and IRDAI regulation into audit-ready findings — automatically, continuously, with citations back to source.

app.reql.ai/audit/credit-wise-capital
Audit running — Fair Practices Code
Document Intelligence
Done
Regulatory Fetch
Done
Coverage Mapper
Running
3
Gap Analyser
Queued
4
Report Writer
Queued
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0.00M
Active companies registered in India
MCA 2024
0+
NBFCs registered with the RBI
RBI 2024
0+
RBI Master Directions in force
RBI 2024
0
Sections in the Companies Act, 2013
MCA
RBISEBIMCAICAICBDTCBICGSTFEMAInd-ASIRDAINPCIIBBIRBISEBIMCAICAICBDTCBICGSTFEMAInd-ASIRDAINPCIIBBI
The solution & platform

One engine, from regulation to obligation to output — across six modules.

Feed in a circular, a policy, or a product doc. ReQL maps it against the live regulatory corpus and produces the gap, the fix, and the citation — in one pass, across every module below.

app.reql.ai/pipeline
Inputs
Policy docs


Circulars
Engine
ReQL SLM


5-agent audit
Output
3 gaps found

12 clauses pass
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Regulatory Intelligence
Latest KFS requirement for retail loans?
RBI mandates a standalone Key Fact Statement for all retail and MSME loans, effective 1 Oct 2024.↳ RBI/2024-25/18, para 4.2
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Regulatory Intelligence

Ask in plain language, get answers cited to the exact circular and clause.

Agreement Intelligence
12345678
Clause 14 — IndemnityStandard
Clause 22 — TerminationDeviation
Clause 31 — Governing lawStandard
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Agreement Intelligence

Redlines contracts against your playbook and flags non-standard clauses.

Product & Ops Audit
12345
Penal interest languageGap
Grievance TAT disclosureCompliant
Fair Practices Code refsStale
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Product & Ops Audit

Runs the 5-agent pipeline across policies and product docs, end to end.

Policy Lifecycle
QueryMatchFilterCross-refAnswer
Drafted
Legal review
Compliance sign-off
4
Board approval
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Policy Lifecycle Management

Five-stage approval workflow, with every version tied to its regulatory trigger.

Digital application code check
12345678
repo: los-core · PR #482Scanned
KYC consent flow v3.2Missing granular opt-in
API: loan-eligibilityMatches RBI/2024-25/09
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Digital application code check

VAPT-style scan of your application source code, APIs, and user flows against RBI/SEBI/MCA circulars — caught before release and after every deploy.

API Access
POST /v1/audit{ "doc": "kfs.pdf", "regulator": "RBI", "scope": "retail_loan"}→ 200 OK · 3 gaps · 12 pass200
POST /v1/audit → 200 OK · 3 gaps · 12 pass
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API Access

Wire the audit and citation engine directly into your own LOS or BRE.

What it covers

28 use cases. Six categories. One platform.

Every recurring compliance job — from statutory filings to code checks — mapped to a working workflow.

28 use cases mapped across every category below
Regulatory posture

Company-wide status, by entity, business line, and regulator.

See exactly where each business unit, subsidiary, and regulatory obligation stands — what's compliant, what's open, and what's at risk — in one view.

app.reql.ai/status
Entitys covered
Open gaps
Compliant
At risk
EntityObligationsOpen gapsStatusLast updated
Loading entity status…
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Built to explain itself

Not just an answer — the exact reasoning behind it.

Every answer traces to the precise paragraph and line it came from, shows the reasoning that connected it to your question, and tells you why it applies to your entity specifically — not a generic disclaimer.

§

Exact paragraph & line

Every citation points to the specific circular, section, paragraph, and line — not just "RBI guidelines say so."

The reasoning trace

See the chain that got from your question to the answer — which clauses were matched, cross-referenced, and ruled out.

Why it's relevant to you

Every obligation comes with the specific reason it applies to your entity — your registration category, license, or business line that triggers it.

Answer with reasoning
Do penal charge rules apply to our two-wheeler loan book?
Yes — penal charges must be levied as simple interest on the overdue amount, not compounded, and disclosed in the loan agreement and KFS.
RBI/2023-24/53 Fair Lending Practice — Penal Charges in Loan Accounts, para 3(ii), 18 Aug 2023
Reasoning trace
1. Matched "penal charges" against Fair Lending Practices circular
2. Cross-checked against your loan agreement's penal interest clause
3. Confirmed circular is current — no superseding amendment found
Why this applies to you
Your entity is registered as an NBFC under RBI's Scale Based Regulation framework and offers retail secured loans — this circular applies directly to your loan book.
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Never miss a deadline

One filing calendar, every deadline in it.

Every recurring statutory filing — MCA forms, GST returns, RBI returns, tax filings, and board submissions — tracked against its actual due date, with reminders before it's late, not after.

MGT-7AOC-4DPT-3DIR-3 KYCGSTR-9Form 61AFLA ReturnDNBSSTR/CTRCERSAI
app.reql.ai/calendar
Jun 30
DPT-3 — Return of deposits & outstanding loans
Due in 4 days
Jul 15
FLA Return to RBI (FEMA)
On track
Sep 30
DIR-3 KYC — director annual KYC
On track
Oct 29
AOC-4 — audited financial statements (post-AGM)
On track
Nov 28
MGT-7 — annual return of the company
On track
Dec 31
GSTR-9 — annual GST return
On track
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Built on a regulatory SLM

Every answer traces back to source.

ReQL's small language model is trained on the Indian regulatory corpus — RBI, SEBI, MCA, IRDAI, FEMA, Ind-AS — and every output cites the circular, clause, and date it came from. No hallucinated compliance advice.

Read our full SLM vision →
Answer card
Penal charges must be levied as simple interest on overdue amount, not compounded, and disclosed in the loan agreement and KFS.
RBI/2023-24/53 Fair Lending Practice — Penal Charges in Loan Accounts, para 3(ii), 18 Aug 2023
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How it works

From upload to audit-ready report.

Three screens, one continuous pipeline underneath.

1. Upload
fair_practices_code_v3.pdf


grievance_policy.docx
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01Upload policy or product docs
2. Mapping
Clause 4.1Mapped
Clause 6.3Gap
Clause 9.0Mapped
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02ReQL maps against live regulation
3. Report
Audit report — 14 pages
3 critical gaps · 2 stale citations · export PDF
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03Get the audit-ready report
Use cases

Built for how compliance actually breaks.

Before — Manually cross-checking Fair Practices Code against RBI updates, missing stale citations for months.
With ReQL — Continuous monitoring flags outdated clauses the day a circular changes.
Continuous monitoring
FPC clause 7 — "penal interest"Now prohibited
Grievance TAT — 30 daysCurrent
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Before — A CA firm re-reading circulars for every client, one at a time, no shared source of truth.
With ReQL — One regulatory brain across the whole client book, queried per client in seconds.
CA portfolio dashboard
NBFC Client A2 open gaps
NBFC Client 2Clear
NBFC Client 3Clear
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Before — Application code and user flows ship without a VAPT-style regulatory check, so gaps are caught only during an external audit or customer complaint.
With ReQL — Digital application code check scans source code, APIs, and user flows against the circulars they must meet — before release and after every deploy.
VAPT / code check
KYC consent flow — v3.2Missing granular opt-in
API: loan-eligibilityMatches RBI/2024-25/09
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Why ReQL

Not a chatbot bolted onto a document store.

India-first, not India-added

Built on RBI, SEBI, MCA, IRDAI, FEMA, and Ind-AS from day one — not a global tool with India tacked on.

Grounded, not generative

A domain SLM trained on the regulatory corpus, with every answer traced to a specific circular and clause.

Self-hostable

Deploy inside your own perimeter for full data control — not locked to a shared cloud instance.

End-to-end, one engine

Regulatory intelligence, agreement review, policy lifecycle, and digital application code checks — one corpus underneath all of it.

FAQ

Questions, answered.

Which regulators does ReQL cover?
RBI, SEBI, MCA, ICAI, CBDT, CBIC, GST, FEMA, Ind-AS, and IRDAI, with content ingested from 2021 to present and updated continuously.
Who is ReQL built for?
Banks, NBFCs, fintechs, insurers, payments and financial infrastructure providers — plus CA and law firms advising regulated entities. Compliance, legal, product, engineering, risk, and audit each get dedicated workflows.
What is the ReQL SLM?
A domain-specific small language model trained on the Indian regulatory corpus. Every answer cites the circular, clause, and date. Available self-hosted for data-sensitive organisations.
Can ReQL be self-hosted?
Yes — Enterprise plans support cloud or on-prem deployment inside your own infrastructure, so no policy document or client contract needs to leave your perimeter.
Does ReQL replace legal or compliance judgment?
No — ReQL surfaces gaps and citations to speed up review; sign-off decisions stay with your team.
How current is the regulatory corpus?
Continuously updated as circulars and amendments are published, with stale-citation flagging built into every audit.
How is data protected, and where is it stored?
Encrypted in transit and at rest, role-based access, and SSO. SaaS deployments default to India-region infrastructure; self-hosted keeps every byte inside your own environment.
How do I get started?
Book a demo and bring a real circular or policy document — we'll run it live against ReQL.
Get started

See ReQL run on your own regulation.

Book a demo and bring a real circular or policy document — we'll audit it live.