Niyam AI

NiyamAI is an AI-powered Regulatory Intelligence and Compliance Decision Support platform designed for banks and financial institutions. It helps compliance, risk, and operations teams understand complex regulatory changes and translate them into organisation-specific actions.

Banks receive large volumes of regulatory notifications, circulars, master directions, and amendments. The challenge is not only understanding what the regulator has said, but determining what has changed, which compliance obligations are affected, whether existing internal policies address those requirements, where gaps exist, and what action needs to be taken.

NiyamAI addresses this problem through an intelligent regulatory analysis pipeline. It processes regulatory documents, extracts relevant clauses and compliance obligations, and uses Retrieval-Augmented Generation (RAG), document intelligence, and semantic matching to connect regulatory requirements with an organisation's internal policies.

The platform can identify whether a regulatory requirement is covered, partially covered, or missing in existing policies. It can then highlight potential compliance gaps, associated risks, responsible departments, and recommended actions.

A key part of NiyamAI is traceability. Instead of presenting an unexplained AI-generated answer, the platform maintains a connection between the regulatory source, specific clause, identified obligation, relevant internal policy, gap, risk, and resulting action. This makes the analysis easier for compliance teams to review and validate.

Core capabilities

• Regulatory Document Intelligence — Processes lengthy RBI regulations and extracts relevant compliance requirements.
• Obligation Extraction — Converts regulatory clauses into structured compliance obligations.
• Policy Intelligence — Retrieves and compares relevant internal policies against regulatory requirements.
• Gap Detection — Identifies missing or partially addressed requirements.
• Risk Identification — Highlights potential compliance risks arising from identified gaps.
• Impact Analysis — Shows which policies, departments, and compliance areas may require attention.
• Action Center — Converts identified gaps into actionable compliance tasks with ownership and status.
• Regulatory Traceability — Allows users to trace an insight back to the relevant regulatory clause and internal policy evidence.
• AI-Assisted Analysis — Uses RAG and LLM-based reasoning while keeping the analysis grounded in retrieved documents and source evidence.

The goal of NiyamAI is to reduce the manual effort involved in regulatory analysis and help financial institutions move from “What has the regulator changed?” to “What does this mean for our organisation, and what do we need to do?”

NiyamAI — From Regulation to Action.