RBI VAPT Audit for Banks, NBFCs and Payment Companies
The Reserve Bank of India expects regulated entities to run regular vulnerability assessment and penetration testing of their critical systems. Scantra Security delivers RBI VAPT audits for banks, NBFCs, payment aggregators and co-operative banks, with reports aligned to RBI cyber security frameworks and prepared by a CERT-In empanelled team.
Last reviewed 2026-09-28 by the Scantra Security testing team
Which RBI requirements call for VAPT
RBI's cyber security framework for banks, the Master Direction on IT governance, risk, controls and assurance practices, guidance for NBFCs, and the guidelines for payment aggregators and gateways all expect periodic VAPT of internet-facing and critical systems. Frequency and scope vary by entity type, so we confirm the exact obligation with you during scoping. Always check the latest RBI circulars for your category.
Typical RBI VAPT scope
- Internet banking and mobile banking applications
- Payment gateways, UPI integrations and APIs
- Core banking and loan management systems
- External and internal network infrastructure
- Cloud environments hosting regulated workloads
- Third-party and vendor integrations
Our process
1. Regulatory scoping
Map your systems to the RBI requirements that apply to your entity.
2. Testing
Vulnerability assessment and manual penetration testing.
3. Board-ready reporting
Executive summary for the board and IT committee, plus technical detail.
4. Free retest and certificate
We verify fixes at no extra cost and issue an updated report and certificate.
Why an empanelled auditor helps
RBI inspections and many bank partnerships expect independent, qualified auditors. Scantra Security is CERT-In empanelled, which gives your auditors and inspectors confidence in the testing.
Frequently asked questions
How often do NBFCs need VAPT?
It depends on the NBFC layer and the systems involved. Annual testing is a common minimum, with more frequent testing for critical systems.
Do fintech partners of banks need VAPT?
Banks usually require their fintech partners to share a recent VAPT report as part of due diligence.
Do you cover mobile banking apps?
Yes, including Android and iOS apps and their APIs.