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Regulatory compliance
CICRA
The Credit Information Companies (Regulation) Act, 2005 governs how credit information is collected, shared and protected. We help credit information companies and credit institutions assess compliance and strengthen the security of credit data.
Why teams choose Adiroha
- Led by CISA and ISO 27001 lead auditors
- Clear scope, roadmap and timeline before we start
- Evidence organised in the Cydital platform
- Support through the external audit and beyond
Scope
What we cover
- Assessment against CICRA and related regulations
- Credit data security and access controls
- Data accuracy, correction and grievance processes
- Data sharing with credit information companies
- Information security audit of relevant systems
- Remediation and compliance reporting
Deliverables
What you receive
- CICRA compliance assessment
- Information security audit report
- Remediation roadmap
- Evidence for regulatory review
How we work
Discover. Assess. Remediate. Validate.
Discover
Understand your business, scope, stakeholders and the obligations that actually apply to you.
Assess
Gap assessment against the framework or regulation, turned into a prioritised, costed roadmap.
Remediate
Implement policies, controls and evidence with your teams, tracked in Cydital.
Validate
Internal audit before the external one, audit-day support, and continuous compliance after.
FAQ
Common questions
Who does CICRA apply to?
Credit information companies and the credit institutions and specified users that share or access credit information.
Can this be combined with an RBI IS audit?
Yes. Many controls overlap, so we can plan both together to reduce effort.
What information security is expected for credit data?
Strong access control, encryption, logging and audit trails, plus processes to keep data accurate and handle corrections and grievances.
How long does a CICRA assessment take?
Typically 2–4 weeks, depending on the systems involved and the number of data-sharing relationships.
Do you help with remediation?
Yes. We provide a remediation roadmap and can support implementation and a follow-up review.
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Learn moreTalk to a specialist about CICRA.
A free 30-minute consultation to understand your scope and timeline. We follow up with a fixed proposal.