LendShield Guard · Compliance tracking

Every obligation in view.
Nothing slips.

Guard surfaces every RBI, MCA, SEBI, AML and internal-governance duty that applies to your entity — and tracks each one through to filed, with a full audit trail. It surfaces what needs action; your team decides and acts.

120+ obligations mapped by entity type15 automated control checks4-eyes maker–checker on every filing
Compliance readiness
ARYA FINANCE · ML NBFC-ICC
82/100
Readiness indicator
2 returns overdue · 1 covenant approaching its threshold.
Internal indicator — not a regulatory rating
DNBS-04AShort-term dynamic liquidityOverdue 6d
NBS-2Quarterly prudential returnChecker review
DNBS-02Asset quality returnFiled ✓
CRARBank facility covenant — HDFCComfortable
Cur.RatioBorrower covenant — Meadow RetailBreached
Built for NBFCsHFCsCo-operative banksNBFC-MFIsFintech lenders (LSP / DSA)ARCs
Insights & Controls

A calendar tells you what's due. Guard tells you what's wrong.

Fifteen automated checks run across your full compliance footprint — catching the things a deadline list never will: clashing due dates, figures that don't agree across returns, a maker approving their own work, a policy gone stale, penalty exposure mounting on an overdue item. Guard detects and surfaces; you review and act.

01
Deadline collisions
Flags days where several returns fall due at once, so crunch weeks are seen early.
Visibility
02
Filing exceptions
Surfaces returns stuck mid-workflow or sliding toward their due date.
Visibility
03
Preparation planner
Looks ahead at what needs work now to be filed on time.
Visibility
04
Penalty exposure
Indicative rupee exposure accruing on overdue items, with the statutory basis shown.
Indicative
05
Continuing-default counter
Tracks per-day penalty accrual where a default keeps running.
Indicative
06
Cross-return consistency
Highlights where the same figure differs across two returns — for you to reconcile. Guard never says which is right.
Review only
07
Dependency sequencing
Catches filings that must happen in order, before one blocks another.
Detection
08
Policy freshness
Flags board-approved policies overdue for their periodic review.
Detection
09
Segregation of duties
Detects a maker approving or verifying their own filing.
Detection
10
Committee cadence
Watches that board committees meet as often as their mandate requires.
Detection
11
Acknowledgement vault
Checks every filed return has its portal acknowledgement on file.
Detection
12
Nil-return reminders
Surfaces returns still due even when there's nothing to report.
Detection
13
Regulatory-change watch
Prompts a review where an underlying rule reference may have moved. Guard does not interpret law.
Review only
14
Readiness score
A single internal indicator of compliance behaviour — an indicator, not a regulatory rating.
Indicative
15
Inspection pack
One-click compilation of your own records for an inspection — a compilation, not a certificate.
Detection
The coverage

Every kind of obligation a lender carries

From RBI returns filed on a portal to board duties that never appear on one — Guard maps what applies to your specific entity type and layer, then tracks each through its own lifecycle.

🏛️

Statutory & regulatory filings

The mandatory returns and their deadlines, mapped to your entity type and SBR layer — and tracked through a controlled filing workflow.

  • RBI / CIMS — DNBS series, NBS-2, ALM, CRILC
  • Credit information — weekly furnishing to all four bureaus
  • MCA — AOC-4, MGT-7, ADT-1, DIR-3 KYC
  • SEBI LODR for listed debt; FIU-IND CTR / STR
🏢

Internal governance

The duties that never hit a portal — surfaced from a 67-item master scaled to your layer, each with an assign → evidence → review lifecycle.

  • Control functions — CCO, CRO (above ₹5,000 Cr), audit head
  • Board committees — Audit, Risk, NRC, ALCO, with cadence
  • Board-approved policies, tracked for periodic review
  • IT governance — for ML/UL NBFCs (not Base-Layer / CIC)
📐

Covenants

The conditions attached to lending — on your own borrowings and on the loans you give. You record each figure; Guard flags closeness to the threshold you set.

  • Lender-side — CRAR, NPA caps, leverage on your facilities
  • Borrower-side — DSCR, current ratio, debt/EBITDA
  • NCD / trustee and refinance-line conditions
  • Breach workflow: log → acknowledge → act → resolve
📋

Policies & SOPs

A live register of board-approved policies and operating procedures, each with an owner, a review date, and a freshness check that flags lapses.

  • Fair Practices Code, KYC/AML, digital-lending policy
  • Review schedule with owner assignment
  • POSH, whistle-blower, code of conduct
  • Flagged automatically when a review lapses
Controlled filing workflow

Four eyes on every return, on the record

Each filing moves through a maker–checker workflow with segregation of duties enforced — the person who prepares a return cannot approve or verify it. Every transition is written to a permanent, timestamped audit trail.

STEP 01
Maker

Prepare

Working data, source reference and reconciliation captured against the return.

STEP 02
Checker

Approve

A different person reviews and signs off, with remarks — or sends it back.

STEP 03
Maker

File

Filed on the portal; acknowledgement number and proof attached.

STEP 04
Verifier

Verify

Acknowledgement checked against the approved working and closed out.

Covenants

Catch a covenant before it breaches

Covenants live scattered across sanction letters and loan agreements — and no regulator reminds you about them. Guard gives them one home, grouped by facility and by borrower.

  • Both directions

    Conditions on your own borrowings, and conditions you set for the businesses you lend to.

  • Approaching, not just breached

    You record each period's figure; Guard flags when a value comes within range of the threshold you configured — before the line is crossed.

  • A breach is a workflow, not just a red dot

    Log it, acknowledge it, record what you did — notified the lender, sought a waiver, noted a cure period — and resolve it, all on a permanent trail.

Covenants1 breach · 1 approaching
Bank Term Loan — HDFCLENDER-SIDE
CRAR · must stay ≥ 15%24.6% · Comfortable
Debt / Equity · must stay ≤ 4×3.6× · Approaching
Meadow Retail LtdBORROWER-SIDE
Current Ratio · must stay ≥ 1.20×1.18× · Breached
How to read Guard

A tracking tool — built to be honest about it

Compliance is your responsibility, and Guard never pretends otherwise. It makes that responsibility easier to carry — surfacing what needs attention and keeping the record straight — without ever taking the accountability that stays with your regulated entity.

What Guard does

  • Surfaces every obligation that applies to your entity
  • Tracks each return through prepare → file → verify
  • Flags collisions, exceptions, lapses and approaching thresholds
  • Keeps a permanent, timestamped audit trail
  • Compiles your own records for an inspection

What Guard does not do

  • File returns on your behalf or sign anything
  • Give legal or financial advice, or certify compliance
  • Compute your ratios or decide a covenant has defaulted
  • Reconcile figures or say which number is correct
  • Notify a regulator or lender for you
120+
Obligations mapped across RBI, MCA, SEBI, AML & governance
15
Automated control checks beyond the calendar
67
Internal-governance duties, scaled to your layer
4-eyes
Maker–checker on every single filing
Getting started

Live on day one

Tell Guard about your entity and it maps your obligations immediately. The rest is setup you control — Guard organises, you confirm.

1

Profile your entity

Entity type and SBR layer — Guard maps the obligations that apply, and only those.

2

Add your covenants

Enter each facility and borrower covenant from your agreements. You record the figures; Guard watches the thresholds.

3

Load your policies

Add board-approved policies and set review dates and owners.

4

Set your roles

Assign maker, checker and verifier so the four-eyes workflow is enforced.

5

Work the dashboard

Live readiness, deadline alerts, breach workflows and one-click inspection packs.

See your own obligations, mapped.

Book a 30-minute walkthrough. Tell us your entity type and we'll show you exactly what Guard would surface for you — returns, governance duties, covenants and the checks in between.

Book a walkthrough →
No commitment. A compliance specialist will reach out within one business day.

LendShield Guard is a compliance-tracking tool provided by LendShield Technologies Private Limited. It does not file returns, provide legal or financial advice, or certify compliance. Accuracy of data, decisions and filings remains the responsibility of the regulated entity. Penalty figures, where shown, are indicative and based on published statutes — confirm against the live circular and your advisor. Regulatory thresholds and frequencies referenced here should be verified against current RBI / MCA / SEBI directions.