Fintech & Banking Cloud Infrastructure with Strict RBI Data Localization
Fintech hosting is server infrastructure built around Indian financial rules: payment data stored in India under the RBI direction, CERT-In 180-day log retention and documented recovery. WebJi® uses single-tenant dedicated servers in India from ₹4,999 a month before 18% GST, with static IPs for broker APIs. It suits NBFCs, lenders and trading platforms.
For NBFCs, digital lenders, trading desks and insurance platforms that must answer auditors about where data lives and how logs are kept.
Jaipur · IN
- In business
- 21+ yrs
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- <60 min
- Clients
- 12K+
- Billing
- INR + GST
Last editorial update: 14 November 2026. Prices follow the dated sources on this page; checkout confirms current charges.
Which Indian rules shape fintech hosting?
Three instruments set most hosting requirements for Indian fintechs: the RBI direction on storage of payment system data (April 2018), the CERT-In cyber-security directions of 28 April 2022, and the Digital Personal Data Protection Act, 2023. Each one turns into a specific server, logging or backup decision.
| Instrument | What it asks for | Hosting decision |
|---|---|---|
| RBI, Storage of Payment System Data (2018) | Payment system data stored only in India | Application, database and backups on Indian servers |
| CERT-In directions (28 April 2022) | ICT system logs kept for 180 days within India; incidents reported within 6 hours | Central log retention on Indian infrastructure, searchable for reports |
| DPDP Act 2023 | Duties of the data fiduciary over personal data | Documented location, access control, encryption and retention |
The background to all three is in data localisation laws for Indian hosting and CERT-In rules for hosting. Your compliance team confirms which rules apply to your licence; WebJi® supplies the infrastructure evidence.
Which fintech and BFSI businesses is this setup for?
The setup suits NBFCs and digital lenders, payment aggregators' merchant tools, wealth and insurance platforms, and algo-trading desks that connect to broker APIs. What they share is regulated data, audit questions and traffic that bunches around market hours and month-end cycles.
- NBFC or lending app: loan ledgers and KYC data that must stay in India.
- Broker-connected trading: a fixed IP that the broker can whitelist; see algo trading VPS.
- Insurance or wealth portal: customer documents and policy data with long retention.
- Back-office tools: reconciliation and reporting that run in overnight batches.
What does a reference fintech hosting architecture include?
A typical regulated setup runs the application and database on a single-tenant dedicated server in India, keeps 180 days of logs, uses a static IPv4 for broker or bank whitelisting and proves recovery with a documented restore test. WebJi® dedicated servers start at ₹4,999 a month before 18% GST.
| Layer | WebJi® provision | Why it matters |
|---|---|---|
| Compute | Dedicated server from ₹4,999/mo, India region | No shared tenancy on the machine holding regulated data |
| Network identity | Static IPv4, confirmed in writing before payment | Broker and bank API whitelisting |
| Logs | 180-day retention on Indian infrastructure | CERT-In reporting and audit trails |
| Transport | HTTPS everywhere with HSTS | Encrypted traffic for customer and partner calls |
| Backups | AES-256 encrypted backup in a separate facility, from ₹1,300/mo for 200 GB | Recovery evidence with a verified test restore |
Workloads that do not hold payment or KYC data, such as a marketing site or a sandbox, can start on a VPS from ₹499 a month.
Dedicated server, VPS or cloud for a fintech workload?
Choose dedicated when an auditor or broker will ask who else shares the hardware; choose a VPS for non-regulated services; choose cloud when load varies and the data classification allows it. Many fintechs run all three, split by data type.
- Dedicated: single tenant, simplest answer to "where exactly is the data".
- Managed dedicated: the same box with patching and monitoring handled for you.
- VPS: staging, internal dashboards and public websites.
- Private cloud: several isolated machines when one server is no longer enough.
The NBFC data localisation case study walks through one move from overseas hosting to Indian dedicated servers, including the restore drill.
How do you start a fintech hosting engagement with WebJi®?
Send your data classes, the rules your compliance team has mapped and your expected load; WebJi® returns a tier recommendation, the controls it provides and an INR quote before payment. Security questionnaires are answered for the infrastructure layer, while application controls stay with your team.
Write to support@webji.services, answered 24/7 in Hindi and English with an average first reply under 60 minutes, or use request a quote. Other sectors are listed on the industry hosting hub.
Frequently asked questions
Does hosting in India alone satisfy the RBI payment-data direction?
It covers where the data rests, which is the core of the direction, but backups, logs and any processing abroad also count. Map every copy of payment data, including disaster-recovery copies and third-party tools, before telling an auditor the system is localised.
Can we start on a VPS and move to dedicated later?
Yes. Workloads without payment or KYC data can start on a VPS from ₹499 a month before GST. Plan the move to dedicated before regulators or brokers audit the system, because changing servers also changes the static IP your partners have whitelisted.
Where are fintech backups stored?
Cloud server backup copies the whole server to AES-256 encrypted storage in a separate facility, and each setup ends with a verified test restore. State in the scope that backups must remain in India so the location is written into the quote.
How quickly must a cyber incident be reported in India?
The CERT-In directions of April 2022 require reportable incidents to be notified within six hours of being noticed. Retained logs are what make that report possible, which is why 180-day log retention is part of the reference setup.
Regulatory references checked 15 November 2026 · Reviewed by the WebJi® team, Jaipur.
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