How Mobile Number Revocation List (MNRL) can impact your lending business?
Latest on RBI's directive to check MNRL by 31st Mar 2025
The Reserve Bank of India (RBI) dropped a game-changer on January 17, 2025: Regulated Entities (REs) must now align with the Mobile Number Revocation List (MNRL) and tighten fraud prevention by March 31, 2025. Why? Because a recycled phone number in the wrong hands can unlock your customers’ accounts—or worse, their loans.
At Vitto, we’ve already cracked this. Our Fraud Detection API now integrates MNRL checks, ensuring you’re compliant and protected. Here’s how we’re turning RBI’s mandate into your advantage:
Why MNRL Matters
When telecom operators recycle inactive numbers (every 3-6 months), a fraudster could inherit a number tied to your customer’s financial history. Risks? Unauthorized OTP access, loan fraud, or identity theft.
The RBI’s fix: mandatory MNRL verification and stringent due diligence.
Vitto’s Answer: Seamless Compliance + Fraud Defense
Our latest MNRL solution syncs with TRAI’s Digital Intelligence Platform monthly, scrubbing revoked numbers from your database—automatically. Paired with our Fraud Detection API, you get:
Real-Time MNRL Checks: No recycled number slips through.
Fraud Signals: UPI tracking, social media scans, cyber crime hotspot flags, and more.
Plug-and-Play Compliance: Scrub existing customers or onboard new ones, effortlessly.
We’ve already helped lenders hit near 0% fraud rates and 90%+ auto-collection success. Now, we’re adding RBI compliance to the mix—without breaking a sweat.
Fraud Parameters
Social Media
UPI
Cyber crime Hot-spots
Telecom
MNRL
IP Address and VPN
Deadline: March 31, 2025. Miss it, and you’re exposed—to penalties and fraudsters. Our API keeps you ahead, updating with TRAI’s MNRL data monthly and handling number recycling like clockwork.