The changing paradigm of banking regulations all over the globe has ensured that the CTOs of leading banks and financial institutions look at Audit, Risk and Governance with a renewed focus. To overcome these challenges Ramco's ADF solution is designed. This is to help banks achieve complete automation of RBI reports. Not only is it a pre-built product, it also follows a data-model approach rather than a report-centric approach. This ensures that the product is scalable, capable of extending to accommodate further changes and weather an ever-changing regulatory environment. The benefits of ADF solutions are CDR based architecture which is a key cornerstones of the RBI approach, master data framework and conversion layer.