RBI-Aligned Email Security for India's BFSI
Email built for banks, NBFCs, insurers, cooperative banks and fintechs that answer to the RBI — sovereign, on-premise-capable, and engineered so your data never leaves Indian jurisdiction. The controls your auditors and RBI inspections expect, ready to demonstrate.
Regulated finance needs more than a mailbox
For an RBI-regulated entity, email is critical infrastructure carrying customer PII, transaction advice and privileged instructions. Multi-tenant, foreign-jurisdiction email wasn't built for that accountability.
Data sovereignty
Customer and transaction data must stay in India, under Indian law — not on shared infrastructure whose storage location you don't control.
Auditability
RBI inspections and internal IS audits expect immutable trails, defined retention and clear evidence of who accessed what, when.
Threat exposure
Phishing, spoofing and business-email-compromise target financial institutions first. Defence has to sit at the protocol level, not as an add-on.
Deployment control
Many institutions require on-premise or sovereign-cloud deployment — an option most global email providers simply don't offer.
The control areas your auditors check
Every capability below ships in XgenPlus today. Together they map to the control expectations across the RBI Cyber Security Framework, CERT-In directions and the DPDP Act.
Data residency & sovereignty
- Hosting in India — Sovereign Cloud, Private Cloud or On-Premise
- Data stays exactly where your policy requires
- Full ownership and control of your data
- No foreign-jurisdiction exposure
Encryption & authentication
- Encryption in transit and at rest
- SPF, DKIM and DMARC anti-spoofing
- Native S/MIME & digital signatures
- Built-in Certificate Authority (CRL / OCSP)
Identity & access
- Multi-factor authentication
- Role-based access control
- IP restrictions & session security
- Enforced password policies
Threat defence
- SpamJadoo® protocol-level anti-spam
- Anti-phishing & anti-spoofing (BEC defence)
- Malware prevention & sender validation
- 99%+ spam reduction at protocol level
Data protection & DLP
- Data Loss Prevention with content classification
- Attachment inspection & policy enforcement
- Rights management — restrict forward / print / copy
- Message expiration & controlled access
Audit, retention & governance
- Full audit trails of access and administration
- Configurable retention policies
- Non-repudiation via digital signatures
- Archival, journaling & legal hold — available on request
How XgenPlus maps to what regulators expect
A starting point for your control-mapping exercise — the regulatory expectation, what it means for email, and the XgenPlus capability that supports it.
| Regulatory expectation | What it means for email | How XgenPlus supports it |
|---|---|---|
| Data localisation & sovereignty (RBI data-localisation direction; DPDP) | Mailboxes, logs and backups stored in India, under Indian jurisdiction. | Sovereign Cloud, Private Cloud or On-Premise in India — data stays where your policy requires, with full ownership. |
| RBI Cyber Security Framework (access, encryption, monitoring) | Strong authentication, least-privilege access, encryption and continuous audit. | MFA, role-based access, IP restrictions and session security; encryption in transit & at rest; native S/MIME; full audit trails. |
| RBI Digital Payment Security Controls | Anti-phishing, sender authentication and integrity of customer communications. | SpamJadoo® protocol-level anti-spam / anti-phishing / anti-spoofing; SPF, DKIM, DMARC; domain protection. |
| CERT-In Directions, 2022 | Retain security logs, keep synchronised time, and be ready to report incidents quickly. | Audit trails and configurable retention; exportable logs to support incident reporting. Retention window, WORM archival and clock-sync options — confirm with our team. |
| DPDP Act, 2023 (obligations) | Lawful, minimised processing; data-principal safeguards; Indian storage; breach readiness. | Data residency in India; RBAC, DLP and audit trails; you retain full ownership and control of the data at all times. |
References: RBI Cyber Security Framework in Banks; RBI Master Direction on Digital Payment Security Controls; RBI data-localisation direction for payment-system data; CERT-In Directions, 2022; Digital Personal Data Protection Act, 2023. XgenPlus provides technical controls that support these obligations — it is not itself a certification.
Straight talk on compliance
XgenPlus is email infrastructure, not a compliance certificate. Meeting your RBI, CERT-In and DPDP obligations is your institution's responsibility — and rightly so. What we give you is the sovereign infrastructure, the controls, and the audit evidence to demonstrate those obligations cleanly during an inspection. Our BFSI team will sit with your IS-audit and compliance functions to map every requirement to a specific XgenPlus control.
Deploy the way your risk policy demands
From fully sovereign cloud to air-gapped on-premise — the deployment model is yours to choose, and your data remains where your policy requires.
Sovereign Cloud
Hosted in India, under Indian jurisdiction.
Private Cloud
Dedicated, single-tenant, isolated from other customers.
On-Premise
Inside your own data centre, fully under your control.
Hybrid / Air-gapped
Split or isolated deployments for the most sensitive workloads.
Built for accountability, not just email hosting
The difference that matters when the regulator, not just the user, is watching.
| Dimension | Global multi-tenant email | XgenPlus |
|---|---|---|
| Jurisdiction | Data governed by foreign law & foreign courts | Data in India, under Indian jurisdiction |
| Deployment | Cloud-only in most cases | Sovereign Cloud, Private Cloud, On-Premise or Hybrid |
| Security model | Bolted-on, third-party add-ons | Built-in: PKI, DLP, S/MIME, protocol-level anti-spam |
| Provenance | Global vendor, limited local accountability | Indian-built, 25+ years, national-scale deployments |
| AI & your data | Often processed abroad; training-use varies | India / on-premise inference option — your mail is never used to train models |
| Language reach | Limited Indic / IDN support | Pioneer in IDN / EAI — email in Indian languages & .भारत domains |
The AI privacy commitment above reflects our design intent for the SIYA assistant; the precise wording is being finalised with the BFSI team — ask us for the current written commitment.
The RBI-Aligned Email Security Checklist
A control-by-control mapping of XgenPlus against RBI, CERT-In and DPDP expectations — the document your auditors can work straight from. Request a copy and our BFSI team will walk your team through it.
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Want the Institution-status column completed with your team? Book a solution-design workshop.
- Data residency & sovereignty controls
- Encryption, S/MIME & email authentication
- Identity, access & session controls
- Audit, retention & logging
- Threat defence, DLP & incident readiness
- Deployment & data-sovereignty options
