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By ShareDocs Editorial Team · BFSI Automation · KYC · RBI Compliance · 2026 · 11 min read · ISO 27001 Certified The NBFC Chief of Operations was looking at the same problem every quarter: KYC bottleneck. Eight days from application to disbursement decision. Competitors promising three. Digital-native lenders promising same-day. The technology gap was real — but the root cause was not underwriting capability. It was document governance. In This Guide The KYC Document Bottleneck — Why It Persists CKYC and Aadhaar Integration in ShareDocs Meeting RBI Audit Requirements Without a Four-Week Preparation Sprint What We See in Practice FAQ The KYC Document Bottleneck — Why It Persists KYC document collection sounds simple: collect 6–8 documents from each applicant, verify completeness, route to the credit analyst. In practice, the process looks like this in most Indian NBFCs: the ...

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