Regulatory reporting, reconciliation, and risk data that can't afford to be wrong.
Built by a team that spent two decades doing exactly this inside Tier-1 banks — now productized as Pravah, the RBI compliance rail.
The 2026 reality
Element-based
RBI's CIMS shifts reporting from documents to data elements: every figure individually traceable, every return machine-validated
Co-lending
Bank–NBFC co-lending keeps growing — and with it, daily two-book reconciliation that spreadsheets cannot survive
DNBS-02 & beyond
NBFC returns are tightening in frequency and granularity. Manual assembly means breaks found after submission
Why another reporting tool isn't the answer
Regulatory reporting fails in the plumbing, not the form. The same balance shows three values depending on which extract you believe; lineage lives in two engineers' heads; every RBI circular triggers weeks of impact analysis because nobody can say which returns touch which source fields.
We learned this the hard way inside UK banks under BCBS 239-era scrutiny — where a wrong number means a fine, not a footnote. The answer is a rail: reconcile to source before the data enters the reporting estate, carry lineage from ledger to submitted return, and let humans review breaks instead of files.
Pravah (प्रवाह) — the compliance rail
- Co-lending reconciliation: bank and NBFC books matched transaction-level, breaks surfaced before the regulator finds them
- Element-based regulatory returns (CIMS, DNBS-02): source-to-return lineage, so every submitted figure traces to the ledger
- GSTR-2B reconciliation module for CA firms — the same rail, pointed at tax
Pravah is the chassis we built for regulators, productized: governed ingestion with data contracts and quality gates, automated reconciliation back to the ledger, column-level lineage from source to return, and exception-first operations. AI proposes the mapping from your core banking and LOS extracts once; your team confirms; deterministic pipelines run every cycle after that. Fixed fee, fixed scope.
Pricing: Monthly subscription per entity + per-return-family onboarding. Fixed fee, fixed scope.
Run #JUN26-R2 · fictional data
Also for banks: legacy ETL exit
DataStage and Ab Initio estates are expensive to run and impossible to hire for. We migrate them to a modern lakehouse with the reconciliation evidence to prove nothing changed — because in a bank, a migration without parallel-run proof is a career risk, not a project.
Who we work with
NBFCs
Co-lending reconciliation and DNBS-02/CIMS returns on one rail. Start with the return that hurts most; expand from there.
Banks
Legacy ETL exit with parallel-run proof, and element-based reporting readiness for CIMS.
CA firms
White-label Pravah's reconciliation modules — GSTR-2B today, regulatory returns next — under your sign-off, our rail.