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Reserve Bank of India

Turn RBI FREE-AI principles into operating evidence.

Connect AI inventory, validation, incident handling, emergency intervention, and board oversight to the requests and actions your systems execute.

Applies to: Banks, NBFCs, payment firms, cooperative banks, and supporting platforms Status: August 2025 committee report; not itself a binding RBI circular Reviewed: 31 July 2026

Read FREE-AI with the right legal status

The Framework for Responsible and Ethical Enablement of Artificial Intelligence was published by an RBI committee in August 2025. Its 7 Sutras, 6 Pillars, and 26 recommendations signal a detailed supervisory direction, but the report does not itself amend an RBI Master Direction or create a new binding circular.

Governance

Know every material AI system

Maintain ownership, purpose, risk, model or vendor, validation, and approval context rather than relying on an informal list of pilots.

Runtime controls

Intervene before impact

Apply policy, PII handling, human review, and emergency-stop controls before a model or agent produces a material banking outcome.

Oversight

Report from evidence

Connect board and risk reporting to traceable system, validation, incident, policy, and intervention records.

AxonFlow control mapping

Operating needAxonFlow surfaceEdition boundary
Govern requests consistentlySystem and tenant policy enforcement, request audit, and India-relevant PII controls.Community foundation; higher policy and operational limits in licensed editions.
Maintain AI-system recordsRBI-oriented AI system registry workflow for purpose, owner, risk, and approval context.Enterprise workflow.
Record validation and findingsValidation records and lifecycle state linked to the governed system.Enterprise workflow; AxonFlow does not run model validation for you.
Manage incidentsIncident records connected to systems, evidence, remediation, and status.Enterprise workflow.
Stop unsafe operationScoped and broader circuit-breaker patterns with actor, reason, and reset history.Licensed operational controls.
Prepare oversight evidenceBoard-report and audit-export workflow APIs based on captured records.Enterprise workflow; governance owners approve the final report.

A bank-grade pilot should answer five questions

What system is this?

Can risk and audit identify the owner, approved purpose, model, data domain, deployment, and downstream actions?

What can it do?

Are tool and connector permissions enforced independently of model instructions and prompt content?

Who can intervene?

Do material actions pause for an authorized reviewer, and can the team halt the system without a code deployment?

Can events be reconstructed?

Can an investigator join the policy decision, approval, model call, tool action, and downstream transaction?

Does reporting reflect reality?

Can a board or control function trace summary claims back to system, validation, incident, and runtime evidence?

What remains outside AxonFlow?

Model validation, fairness analysis, legal interpretation, business ownership, and final board accountability remain yours.

What not to claim

Accurate positioning

  • RBI FREE-AI-aligned runtime and evidence workflows
  • Technical foundations for policy, PII, approvals, and audit
  • Enterprise workflows for registry, validation, incidents, intervention, and reporting

Claims the product cannot establish

  • That RBI has certified or approved AxonFlow
  • That using AxonFlow makes an institution compliant
  • That the FREE-AI report is already a binding Master Direction
  • That runtime records replace independent validation or board oversight

Test the control path against a real workflow.

Use the Evaluation license to assess policy enforcement, human review, evidence records, and deployment boundaries before a regulated rollout.