{"id":26353,"date":"2019-11-06T17:23:49","date_gmt":"2019-11-06T11:53:49","guid":{"rendered":"https:\/\/enterslice.com\/learning\/?p=26353"},"modified":"2023-05-31T10:44:31","modified_gmt":"2023-05-31T05:14:31","slug":"details-about-p2p-lending-compliances-requirement","status":"publish","type":"post","link":"https:\/\/enterslice.com\/learning\/details-about-p2p-lending-compliances-requirement\/","title":{"rendered":"Details About P2P Lending Compliances Requirement"},"content":{"rendered":"<p class=\"has-drop-cap\">The Peer to Peer lending platforms is subjected to exercise P2P lending compliances as required by the Reserve Bank of India and the <strong>Ministry of Corporate Affairs<\/strong><sup><a href=\"http:\/\/www.mca.gov.in\/\">[1]<\/a><\/sup>. The compliances ensure the healthy working of the entity with safeguarding the interest of investors and stakeholders.<\/p>\n\n\n\n<p>The Reserve Bank of India directs to <strong><a href=\"https:\/\/enterslice.com\/peer-to-peer-lending-license\">P2P lending<\/a><\/strong> entities to comply with the following list of compliances,<\/p>\n\n\n\n<ul><li>Data submission to CICs<\/li><li>Transparency and Disclosure\nRequirements;<\/li><li>Fair Practice Code; <\/li><li>Participant Grievance Redressal;<\/li><li>Information Technology Framework, Data\nSecurity and Business Continuity Plan;<\/li><li>Fit and Proper Criteria;<\/li><li>Approval of RBI required before\nperforming taking specified actions;<\/li><li>Reporting\nRequirements; <\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/enterslice.com\/learning\/wp-content\/uploads\/2019\/11\/fintech-business-related_24908-57040.jpg\" alt=\"fintech-business-related\" class=\"wp-image-26364\" width=\"467\" height=\"467\" srcset=\"https:\/\/enterslice.com\/learning\/wp-content\/uploads\/2019\/11\/fintech-business-related_24908-57040.jpg 626w, https:\/\/enterslice.com\/learning\/wp-content\/uploads\/2019\/11\/fintech-business-related_24908-57040-150x150.jpg 150w, https:\/\/enterslice.com\/learning\/wp-content\/uploads\/2019\/11\/fintech-business-related_24908-57040-300x300.jpg 300w\" sizes=\"(max-width: 467px) 100vw, 467px\"\/><figcaption>visual graphics for p2p<\/figcaption><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Submission of Data\nto CICs<\/strong><\/h2>\n\n\n\n<p>It is mandatory for a P2P entity to enroll itself and become a member of CICs (Credit Information Companies). Additionally, they are under an obligation to submit their data (including historical data) to the CICs.<\/p>\n\n\n\n<p>They are under obligation to maintain a record of borrowers on their platform and update it regularly. The tenure for the regular update date is mutually decided between the P2P entity and the CICs. The procedure ensures that the credit record of the participants is authentic, complete and duly updated. However, it is essential to ensure that the consent of the participants is taken before collecting their data.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Transparency <\/h2>\n\n\n\n<p>It is essential to maintain complete transparency by the P2P entity in favor of the Reserve Bank of India and the participants. Therefore, such entities are required to disclose significant information in relation to the lender, borrower and the public in general. Such a step ensures that the vital information is available to the regulatory, the stakeholders, participants and potential stakeholders &amp; participants of the P2P entity. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>(A)\nDisclosures <\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>(i)\nDisclosure for Lenders: <\/strong><\/h4>\n\n\n\n<ol><li>Details about the borrower&rsquo;s personal identity, credit history, loan requirement, rate of interest sought, and credit score evaluated by the P2P <a class=\"glossaryLink\"  aria-describedby=\"tt\"  data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;NBFC&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Non-Banking Financial Companies (NBFC) operate similarly to banks but do not possess the legal status of a bank. Registered under the Companies Act 2013 and governed by the RBI Act&amp;#039;s section(...)&lt;\/div&gt;\"  href=\"https:\/\/enterslice.com\/learning\/terms\/nbfc\/\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]'>NBFC<\/a>.<\/li><li>Details about the terms and conditions are in practice for the loan process, includes fees, returns, and taxes.<\/li><\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>(ii)\nDisclosure for the Borrower<\/strong><\/h4>\n\n\n\n<p>1.\nDetails about the lender, such as proposed amount, and rate of interest.\nHowever, it excludes the identity and the contact details of the lender.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>(iii)&nbsp;Public\nDisclosures on its Website:<\/strong><\/h4>\n\n\n\n<ol><li>Overview\nof credit assessment\/score methodology and factors considered;<\/li><li>Disclosures\non usage\/protection of data;<\/li><li>Grievance\nredressal mechanism;<\/li><li>Portfolio\nperformance including share of non-performing assets on a monthly <a class=\"glossaryLink\"  aria-describedby=\"tt\"  data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;Basis&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;In finance, the &amp;quot;basis&amp;quot; is a term with several applications, including representing the difference between the spot price and the future contract price of an asset, which is vital in investment(...)&lt;\/div&gt;\"  href=\"https:\/\/enterslice.com\/learning\/terms\/basis\/\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]'>basis<\/a> and\nsegregation by age; and<\/li><li>Its\nbroad business model<\/li><\/ol>\n\n\n\n<p><strong>(B)<\/strong> NBFC P2P entity must ensure that the operations of the company must be documented. The entity shall ensure that necessary agreement between the participants of the services and the entity must take place. The agreement shall mention all the terms and conditions among the lender, the borrower, and the NBFC-P2P entity.<\/p>\n\n\n\n<p><strong>(C)<\/strong> The interest rates displayed on the Platform\nshall be in Annualized Percentage Rate (APR) format.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Fair Practice Code<\/strong><\/h2>\n\n\n\n<p>Fair\nPractice Code is the code of conduct of P2P Entities based on the guidelines\nissued by the RBI for P2P NBFCs. The entity should draft the code, and the same\nshould be put on its website for public display. <\/p>\n\n\n\n<p>Further, there are guidelines about the behavior of staff for the recovery process from borrowers. The direction states that the staff should undergo appropriate training and should not equip with harassing conduct towards the participants.&nbsp;&nbsp; <\/p>\n\n\n\n<p>The code also mentions of provisions to protect the privacy rights of the participants. The code states that the information related to participants in possession of the <strong><a href=\"https:\/\/enterslice.com\/learning\/nbfc-p2p-for-msme\/\">NBFC-P2P<\/a><\/strong> shall not be shared with any third-party entity without the approval of the subjects. <\/p>\n\n\n\n<p>The RBI directs for a periodic review of fair practice code in order to ensure the effectiveness of the same. The board shall also review the grievances redressal mechanism at various levels of management.<\/p>\n\n\n\n<p>The\nconsolidated Report of reviews of such nature shall be submitted to the board\nat regular intervals.<\/p>\n\n\n\n<div class=\"mt-2 mb-3 inner-add-form-blog\">\n\t\t\t\t\t\t\t \t<div class=\"row align-content-center\" style=\"align-items: center;\">\n\t\t\t\t\t\t\t\t \t<div class=\"col-xs-12 col-sm-12 col-md-12 col-lg-4\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"enterslice-logo-form\">\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"w-100\" src=\"https:\/\/s3.amazonaws.com\/myamcatimages\/company\/images\/5220.png\" alt=\"logo enterslice\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"col-xs-12 col-sm-12 col-md-12 col-lg-8\">\n\t\t\t\t\t\t\t\t\t\t<h3>Peer to Peer Lending License<\/h3>\n\t\t\t\t\t\t\t\t\t\t<ul class=\"check-none\">\n\t\t\t\t\t\t\t\t\t\t\t<li>Business Plan<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>P2P Lending Model<\/li>\n                                            <li>Data Security Policy Framework<\/li>\n                                            <li>Risk and Legal Advisory<\/li>\n                                            <li>End to End Listening with RBI<\/li>\n                                            <li>Filing of P2P Lending License Application with the RBI<\/li>\n\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/enterslice.com\/peer-to-peer-lending-license\" class=\"btn-learn-more\">Learn More<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t <\/div>\n\t\t\t\t\t\t\t <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4.Participant Grievance\nRedressal<\/strong><\/h2>\n\n\n\n<p>The RBI directs the P2P entity to address the complaints and grievances of the participants by the formation of the subjected policy. The policy should be approved by the board.<\/p>\n\n\n\n<p>Further,\nit directs the NBFC to display the following information on its website.<\/p>\n\n\n\n<p><strong>(A)<\/strong> The name and contact details (Telephone \/ Mobile numbers and email address) of the Grievance Redressal Officer who can be approached for resolution of complaints against the NBFC-P2P.<\/p>\n\n\n\n<p><strong>(B)<\/strong> If the complaint\/dispute is not redressed within a period of 1 month, the participant may appeal to the Customer Education and Protection Department of the RBI.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Information\nTechnology Framework, Data Security and Business Continuity Plan<\/strong><\/h2>\n\n\n\n<p>The RBI wants to ensure the security of transactions and the exchange of data that takes place on the P2P Lending platform. Hence, guidelines to ensure the safety of data and transactions are laid down by the apex authority. IT framework ie equally important as P2P Lending compliances.<\/p>\n\n\n\n<p><strong>(A)<\/strong>There should be robust infrastructure for the IT system to get protection from unauthorized access attempts made by hackers and non-stakeholders and to ensure safety from an alteration of data.<\/p>\n\n\n\n<p><strong>(B)<\/strong>The NBFC-P2P should have a business continuity plan duly approved by the board to ensure the safekeeping of information and documents and loan tenures of active credits in case of closure of the platform.<\/p>\n\n\n\n<p><strong>(C)<\/strong>The internal systems and process of IT shall undergo an information system audit at least once in 2 years by a CISA certified external auditors.<\/p>\n\n\n\n<p><strong>(D)<\/strong> The report of external auditors should be submitted to the regional office of the Department of Non-Banking Supervision of the RBI, within one month from the date of submission of Report by an external auditor.<\/p>\n\n\n\n<p><strong>(E)<\/strong> The P2P NBFC should ensure that loan agreements shall be exercised as penned down by the third-party entities.<\/p>\n\n\n\n<p><strong>(F)<\/strong>NBFC-P2P would be required to comply with the master direction released by the RBI in concern to Information Technology Framework at all levels.<\/p>\n\n\n\n<p><strong>(G) <\/strong> The NBFC under the Ombudsman Scheme for Non-Banking Financial Companies 2018 shall appoint  Nodal Officer\/ Principal Nodal Officer in accordance with the guidelines laid by the RBI.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. Fit and Proper\nCriteria<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>A\nP2P NBFC has to follow certain guidelines issued by the Reserve Bank of India\nin relation to the eligibility of the directors and shareholders of the NBFC.\nThese requirements are known as &lsquo;Fit and Proper Criteria.&rsquo;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A. The NBFC must follow the following guidelines;<\/h3>\n\n\n\n<p><strong>(i)<\/strong>A board-approved policy for drafting the Fit and Proper Criteria to be qualified by the directors. Such criteria shall be consistent with the RBI directors.<\/p>\n\n\n\n<p><strong>(ii)<\/strong>The director must qualify the Fit and proper criteria during the period of their appointments as well as on an ongoing basis. The same should be certified and inform to the <strong>Reserve bank of India<\/strong><sup><a href=\"https:\/\/www.rbi.org.in\/\">[2]<\/a><\/sup> on a half-yearly basis. <\/p>\n\n\n\n<p><strong>(iii)<\/strong>It must obtain declaration and undertaking from the directors giving additional information that can be substantial to their appointment.<\/p>\n\n\n\n<p><strong>(iv)<\/strong>Obtain a deed of Covenants duly signed by the directors, which shall be in the prescribed format as laid by the RBI.<\/p>\n\n\n\n<ul><li>The P2P entity must inform the RBI in case of a change of Directors\/KMP. Additionally, it must issue a certificate from MD\/CEO that the selection of the directors followed the Fit and Proper Criteria. <\/li><li>The information about the change of director must reach the concerned Regional Office of the Department of Non-Banking Supervision of the RBI within a period of 15days.<\/li><li>The P2P NBFC must submit the name of the directors for the quarter ending on March 31 to the Regional office in an annual statement. The statement shall be submitted by the CEO and certified by the auditors.<\/li><li>The RBI in its capacity can audit the eligibility and fitness of directors. Additionally, the RBI can remove the concerned director\/directors in NBFC P2P by issuing an advisory to the entity. <\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>7.\nPrior Approval of RBI in Certain Cases<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">(A)\nThe prior written permission of the RBI shall be required for:<\/h3>\n\n\n\n<p><strong>(i)\n<a class=\"glossaryLink\"  aria-describedby=\"tt\"  data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;Allotment&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;An allotment is the systematic distribution of business resources, often pertaining to the distribution of shares during initial public offerings (IPOs) to underwriting firms or to new and(...)&lt;\/div&gt;\"  href=\"https:\/\/enterslice.com\/learning\/terms\/allotment\/\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]'>Allotment<\/a> of shares<\/strong>&nbsp;&ndash;\nThe prior permission should be taken in such a case which will take the\naggregate holding of an individual or group to the equivalent of 26% and more\nof the paid-up capital of the NBFC-P2P;<\/p>\n\n\n\n<p><strong>(ii)\nTakeover or acquisition &ndash; <\/strong>The\nNBFC P2P shall take prior permission for any change in control irrespective of\nwhether it brings any change in management or not.<\/p>\n\n\n\n<p><strong>(iii)\nAny change in the shareholding <\/strong>&ndash; Any change in shareholding&nbsp;will\nrequire prior approval from RBI. It can be a one-time increase or gradual\nincrease over time, resulting in the transfer of equity of 26 % or more.<\/p>\n\n\n\n<p>However,\nthe prior approval will not be required in case of buyback of shares or\nreduction capital with approval from a competent court. However, the same is to\nbe reported to the RBI within 1 month of the occurrence.<\/p>\n\n\n\n<p><strong>(iv) Any Change in the Management<\/strong> &ndash; The entity will require prior approval in case of a change in more than 30 percent of the Directors. However, it does exclude independent Directors.<\/p>\n\n\n\n<p><strong>(v)\nAny change in Shareholding- <\/strong>Any change in shareholding&nbsp;that will\ngive the acquirer a right to nominate a Director.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>(B)\nAn NBFC-P2P shall submit an application for obtaining prior approval of the\nRBI, along with the following documents:<\/strong><\/h3>\n\n\n\n<p><strong>(i)\nInformation<\/strong>&nbsp;about\nthe proposed Directors and shareholders;<\/p>\n\n\n\n<p><strong>(ii)\nSources<\/strong>&nbsp;of funds\nshould be disclosed of the proposed shareholders acquiring the shares in the\nP2P entity;<\/p>\n\n\n\n<p><strong>(iii)\nDeclaration<\/strong>&nbsp;by\nthe proposed Directors\/ shareholders stating that they do not hold association\nwith any unincorporated body that is accepting deposits;<\/p>\n\n\n\n<p><strong>(iv)\nDeclaration<\/strong>&nbsp;by\nthe proposed Directors\/ shareholders stating that they are not in association\nwith any other company, the application for CoR of which has been rejected by\nthe RBI;<\/p>\n\n\n\n<p><strong>(v)<\/strong> <strong>Declaration<\/strong> by the proposed\nDirectors\/shareholders stating that they have not been convicted of any crime\nand that there are no pending criminal cases against them, including\nproceedings initiated under section 138 of the&nbsp;Negotiable Instruments\nAct,1881; and<\/p>\n\n\n\n<p>(<strong>vi)<\/strong> Bankers&rsquo; Report on the proposed Directors\/shareholders<\/p>\n\n\n\n<p>Applications\nin this regard shall be submitted to the Regional Office of the Department of\nNon-Banking Supervision of the RBI where the company is registered.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>(C)Public\nNotice about Change in Control\/ Management:<\/strong><\/h3>\n\n\n\n<p><strong>(i) <\/strong>Public notice of 30 days shall be issued before effecting the transfer or sale of the ownership by sale of shares, also in case of transfer of control, whether with or without the sale of shares. <\/p>\n\n\n\n<p>Such\npublic notice shall be given by the NBFC-P2P and also by the other party or\njointly by the parties concerned, after obtaining the prior permission of the\nRBI.<\/p>\n\n\n\n<p><strong>(ii)<\/strong>The public notice shall indicate the intention to sell or transfer ownership\/control, the particulars of transferee and the reasons for such sale or transfer of ownership\/ control. The notice shall be published in at least one leading national and in one leading local (covering the place of registered office) vernacular newspaper.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>(D)\nInformation with respect to change of address, directors, auditors, etc. to be\nsubmitted:<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">(i)\nEvery NBFC-P2P shall communicate within one month of the &nbsp;occurrence of any change in:<\/h4>\n\n\n\n<ul><li>The details of, telephone number\/s and fax number\/s of the registered \/ corporate office, postal address ;<\/li><li>The details of the residential addresses of the Directors of the company;<\/li><li>The details of the names and office address of the auditors of the company; <\/li><li>The specimen signatures of the officers authorized to sign on behalf of the NBFC-P2P to the Regional Office of the Department of Non-Banking Supervision of the RBI within whose jurisdiction the Registered Office of the NBFC-P2P is located.<\/li><li>NBFC-P2P shall conduct a self-assessment of their existing outsourcing arrangements and bring these in line with the directions prescribed by RBI<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>8.Reporting\nRequirements<\/strong><\/h2>\n\n\n\n<p> The Reserve Bank of India issues the following directory for the NBFC-P2P lender as a part of their reporting requirements. These P2P lending compliances are mandatory to follow for the Entity for the P2P entity.<\/p>\n\n\n\n<p><strong>(A) <\/strong>Submission of quarterly statements to the regional office of the RBI within 15 days from the last date of that quarter. The statements should submit details of<\/p>\n\n\n\n<ol><li>The\namount of money disbursed during the quarter<\/li><li>The\namount of money close during the quarter<\/li><li>Outstation\nat the beginning and at the end of the quarter<\/li><li>The\nnumber of borrowers and lenders outstanding at the end of the quarter<\/li><\/ol>\n\n\n\n<p><strong>(B)<\/strong> The number of funds hosted in the Escrow Account, bifurcated into funds received from lenders and funds received from borrowers, with credit and debit summations for the quarter.<\/p>\n\n\n\n<p><strong>(C)<\/strong> Number of complaints outstanding at the beginning and at the end of the quarter, and disposed of during the quarter, bifurcated as received from<\/p>\n\n\n\n<ul><li>Borrowers<\/li><li> Lenders<\/li><\/ul>\n\n\n\n<p><strong>(D)<\/strong>The Leverage Ratio<\/p>\n\n\n\n<div class=\"read\"><p><b>Also, Read:<\/b> <mark><a href=\"https:\/\/enterslice.com\/learning\/p2p-lending-platform-safe-for-investment-and-borrowing\/\" target=\"_blank\" rel=\"noopener noreferrer\">Peer-to-Peer Lending Platform Safe for Investment and Borrowing<\/a><\/mark>.<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Peer to Peer lending platforms is subjected to exercise P2P lending compliances as required by the Reserve Bank of India and the Ministry of Corporate Affairs[1]. The compliances ensure the healthy working of the entity with safeguarding the interest of investors and stakeholders. The Reserve Bank of India directs to P2P lending entities to [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":26359,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"acf":{"service_id":"99"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.6.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Details About P2P Lending Compliances Requirement - Enterslice<\/title>\n<meta name=\"description\" content=\"The P2P lending entity is under obligation to meet the P2P Lending compliances prescribed by the RBI. 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Read Peer to Peer Lending Compliance Requirement.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/enterslice.com\/learning\/details-about-p2p-lending-compliances-requirement\/\" \/>\n<meta property=\"og:site_name\" content=\"Enterslice\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/enterslice\" \/>\n<meta property=\"article:published_time\" content=\"2019-11-06T11:53:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-05-31T05:14:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/enterslice.com\/learning\/wp-content\/uploads\/2019\/11\/2019-11-04_152421.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n<meta name=\"twitter:card\" content=\"summary\" \/>\n<meta name=\"twitter:creator\" content=\"@enterslice\" \/>\n<meta name=\"twitter:site\" content=\"@enterslice\" \/>\n<!-- \/ Yoast SEO plugin. -->","authorName":"Akash Dubey","authorImageUrl":"https:\/\/enterslice.com\/learning\/wp-content\/uploads\/2019\/04\/DSC_04891.jpg","authorDescription":"Akash Dubey is a Law Graduate and works as an\r\nAdvisor at Enterslice. He is proficient in Legal\r\nand Financial Advisory. His expertise in the\r\nskills of Legal and Financial Research is an aid\r\nto his strengths as an Advisor.","postViews":626,"readingTime":8,"nextPost":{"id":26379,"slug":"nbfcs-internal-audit-policy-scope-and-objective"},"prevPost":{"id":26308,"slug":"gst-not-to-be-levied-on-premium-recovered-via-mediclaim"},"featuredMediaUrl":"https:\/\/enterslice.com\/learning\/wp-content\/uploads\/2019\/11\/2019-11-04_152421.jpg","postTerms":"Startup","_links":{"self":[{"href":"https:\/\/enterslice.com\/learning\/wp-json\/wp\/v2\/posts\/26353"}],"collection":[{"href":"https:\/\/enterslice.com\/learning\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/enterslice.com\/learning\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/enterslice.com\/learning\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/enterslice.com\/learning\/wp-json\/wp\/v2\/comments?post=26353"}],"version-history":[{"count":0,"href":"https:\/\/enterslice.com\/learning\/wp-json\/wp\/v2\/posts\/26353\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/enterslice.com\/learning\/wp-json\/wp\/v2\/media\/26359"}],"wp:attachment":[{"href":"https:\/\/enterslice.com\/learning\/wp-json\/wp\/v2\/media?parent=26353"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/enterslice.com\/learning\/wp-json\/wp\/v2\/categories?post=26353"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/enterslice.com\/learning\/wp-json\/wp\/v2\/tags?post=26353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}