Fintech + AWS + RBI: the compliance myth

Every fintech founder in India asks me: "Do we need to move off AWS for RBI compliance?" Almost always: no. Almost always, you're conflating three different things. What RBI actually requires (SPDI Rules + Master Direction on Outsourcing + DPDPA): Data residency: specific categories of data (payment data, PII) must be stored in India. AWS Mumbai region (ap-south-1) satisfies this. Hyderabad (ap-south-2) too. You do NOT need to move to an "Indian-only" cloud. Data sovereignty: specific regulated