If you’re based outside India, the biggest question usually isn’t how to register an NBFC.
It’s whether you should.
Some models require a licence.
Others don’t.
Choosing the wrong route costs months — sometimes more.
Our job is to help you pick the right structure before you invest time or capital.
You build the product, own the experience, and rely on licensed partners for regulated activities.
It’s the fastest way to launch, with manageable compliance.
A regulated financial institution under RBI.
Lets you lend from your own balance sheet and control underwriting, risk, and economics — but comes with deeper compliance.
| Fintech (partner model) | NBFC | |
|---|---|---|
| Time to launch | Fast | Longer (licence needed) |
| Compliance | Moderate | High |
| Lending from own book | No | Yes |
| Underwriting control | Limited | Full |
| Ideal for | Payments, wallets, BNPL via partner | Credit-first businesses |
Most international teams start here.
You keep full control of your product, launch quickly, and avoid the heavier regulatory lift early on.
Best for: payments, wallets, card programs, BNPL, embedded finance, and credit distribution through licensed partners.
Choose this when lending is central to your business, when control matters, and when you’re ready to build for the long term.
You’ll need:
