NBFC Registration in India

Incorporate your NBFC in India with Ease!

Launch your NBFC in India efforttlessly. Our dedicated team is here to guide you through every complex step of the NBFC registration process, ensuring seamless compliance while aligning with your business goals.

Get started now!

Name

Country code

Mobile

Message

Overview of NBFC Registration

NBFCs (Non-Banking Financial Companies), as defined under Section 45-IA of the RBI Act, 1934, and the Companies Act, 2013, have a significant role in financial operations that involve secured and unsecured loans, marketplace lending, investments, information services providers, and any other commercial reasons. Unlike Commercial and Cooperative Banks, NBFCs operate without a banking license but remain subject to stringent oversight and compliance with the Reserve Bank of India (RBI)’s regulatory framework.

The RBI ensures robust governance of NBFCs through the policies outlined in Chapter III B of the RBI Act, 1934 — letting only committed and compliant players enter the market.

Registering as an NBFC in India is a detailed process, requiring strict adherence to eligibility criteria and submission of extensive documentation. But this process is far more than just a regulatory checkbox it opens doors to credibility, compliance, and a competitive edge in a tightly regulated industry.

In a market hungry for innovative financial solutions and and the RBI’s increasing emphasis on regulatory adherence, aspiring NBFCs must act swiftly. Delays in registration can lead to missed opportunities. Taking quick action positions businesses to make most out of India’s large scale financial sector while maintaining full regulatory alignment.

For the NBFC License to be issued, the following requirements must be met

The entity desiring registration should meet the following requirements before applying to RBI

Based on their liabilities, the following NBFC types need the RBI certificate

Which entities in India are not NBFCs?

An NBFC in India does not include the following entities as their primary business.

Who We’re & Our Purpose?

At NBFC Advisory, we are a years of experienced backed team. Here, we take the weight off your shoulders, ensuring seamless compliance with the RBI Act and Companies Act. Whether meeting financial asset thresholds, crafting a robust five-year plan, or adhering to FEMA regulations for foreign investments, our team ensures every step is hassle-free.

We’ve turned tangled regulatory processes into streamlined success stories.

Get started now!

With NBFC Advisory, you’ll benefit from

Simplifying NBFC Registration

When building a skyscraper—solid foundations are critical, and every detail matters. That’s what NBFC registration is: the foundation of your business. Our role? Acting as your architects, ensuring every requirement is met.

NBFC Advisory’s team we will take care of this, while you focus on your compatabilties

Why should you incorporate an NBFC in India?

Know the Advantages of NBFC Registration in India. Here’s what you gain.

Diverse Services: Loans, portfolio management, and money market trading.
Higher Profits: Lower investments, higher returns than banks.
Simpler Process: Easier and faster registration than bank licenses.
Quick Loans: Faster approvals and disbursals.
Flexible Criteria: Loans approved without strict credit checks.
Easy Recovery: Efficient recovery via asset attachment, foreclosure, or repossession.
High Growth: Projected 18.5% CAGR (2021–2026).
Simple Setup: Ideal for serving small borrowers.

Get started now!

Registration Requirements

Company Structure

The applicant must be a registered entity under the Companies Act of 1956 or 2013.

Director Expertise

At least one-third of the directors must have prior experience in the financial industry.

Business Plan

A comprehensive five-year business plan is required.

Minimum Net Owned Funds (NOF)

The applying company must maintain a NOF of at least INR 2 crore, with applicable taxes paid.

Capital Quality

RBI will assess capital quality to ensure compliance with legal standards.

Creditworthiness

The company, its directors, and shareholders must have good credit with no history of intentional loan defaults to banks or NBFCs.

FEMA Compliance

If foreign investment is made, the company must comply with FEMA regulations. Foreign Direct Investment (FDI) is permitted from FATF-compliant countries.

NBFC Registration Process

1 Register Under the Companies Act

Registering your business as per the Companies Act, 1956/2013.

2 Ensure Minimum NOF

Maintaining the required NOF according to your NBFC type.

3 Application Form

Easier and faster registration than bank licenses.

4 Document Submission

Attaching the necessary documents along with your application.

5 CARN Number

Upon submission, taking care of the CARN number which will be issued to track the application status.

6 Submit to RBI Regional Office

Sending the application form to the RBI’s regional office.

7 Approval

Kepping track if registration is granted and all regulatory requirements are met.

Checklist of Documents Required for NBFC Registration

Certified copies of the company’s COI, MOA, and AOA
Net worth certificate of Directors, Shareholders & Company
Certificates of education for the suggested directors
Highest experience certificates
Business profile of directors and shareholders
Credit report of directors & shareholders
KYC information, the company’s PAN, its GST number, and its address documentation
Company bank account details [Rs. 10 Cr. must have been placed as NOF]
Balance sheet that has been audited over the past three years or since incorporation
Disclosures by Related Parties
Income tax Returns
No lien exists on the fixed deposit, according to a banker’s report
Board resolution format for NBFC registration
A detailed action plan for the next five years that includes a risk assessment policy and a fair practices code
Business Structure & Loan Structure
IT Policy

Our NBFC Registration Solutions

Get started now!

Comprehensive Guidance

End-to-end expert support for a smooth process.

Documentation and Preparation

Help in preparing and organizing required documents.

Regulatory Compliance

NBFC registration requires ₹10 crore net-owned fund and an expert team. We ensure full compliance with RBI guidelines.

Application Submission

Preparation and submission of the COR application to RBI.

Dedicated Support

Dedicated team to resolve queries and keep you updated.

NBFC Advisory - Your Trusted Partner for Regulatory Excellence

Welcome to NBFC Advisory, where we offer tailored services for Non-Banking Financial Companies and regulatory compliance with RBI.
Our team of industry experts provides

Let us empower your NBFC business in India with the knowledge and tools for success. NBFC Advisory is your dedicated partner on the journey to NBFC excellence. We will help you navigate the complexities of the financial industry while ensuring compliance and sustainable growth

Get started now!

Why NBFC Advisory?

We know NBFC registration can be complex, so our team of seasoned experts is here to support you at every step.

Swift, Streamlined Process: Experience a faster, more efficient registration journey with automated document submission and coordinated support from government agencies.
Industry Insights and Expertise: Leverage our knowledge to gain insights on best practices and stay updated on emerging regulatory changes.
Tailored Solutions: Every business is unique; we personalize our registration support to fit your specific requirements.
Commitment to Excellence: Trust NBFC Advisory’s dedicated professionals to handle the complexities of NBFC registration, offering you confidence and peace of mind.
Growth-Oriented Approach: With our team handling your registration, you can concentrate on growing your business. We offer tailored guidance and ongoing support every step of the way.

Get started now!

After NBFC Advisory

Smooth, hassle-free registration

Expert guidance to clarify regulations

Direct communication with regulatory bodies

Legal experts by your side

Timely readiness, well ahead of deadlines

Before NBFC Advisory

Struggling with the company registration

Confused with complex regulatory requirements

Tedious approval processes

Legal incompetency and heavy penalties

Multiple steps

Before NBFC Advisory

After NBFC Advisory

After NBFC Advisory	Before NBFC Advisory
Smooth, hassle-free registration	Struggling with the company registration
Expert guidance to clarify regulations	Confused with complex regulatory requirements
Direct communication with regulatory bodies	Tedious approval processes
Legal experts by your side	Legal incompetency and heavy penalties
Timely readiness, well ahead of deadlines	Multiple steps

Schedule 30-minute call with our expert

Get started and register your NBFC successfully!

Our mission is to Make it Count. Don’t let the challenges of NBFC registration hold you back. With NBFC Advisory by your side, you can focus on building your future while we handle the details, empowering your business to reach new heights!

Get started now!

Other similar services

Advisory Service

NBFC Takeover

We provide complete support for NBFC takeover transactions, including due diligence, documentation, ownership transfer, and RBI compliance for a smooth transition.

Learn More

Strategic Partnership

NBFC Collaboration

Our collaboration services help NBFCs form compliant partnerships to expand business operations, share resources, and unlock new growth opportunities.

Learn More

Transaction Support

Buy and Sale NBFC

We offer end-to-end assistance for buying and selling NBFCs, covering valuation, legal checks, documentation, and RBI approvals.

Learn More

Regulatory Assistance

NBFC Surrender

We help NBFCs surrender their RBI license through a structured process, ensuring proper closure, compliance, and regulatory reporting.

Learn More

Compliance Management

NBFC Compliance

Our NBFC compliance services ensure timely filings, audits, and adherence to RBI regulations to avoid penalties and operational risks.

Learn More

Advisory

Investment Advisory

We provide advisory and compliance services for AIF registration, structuring, reporting, and ongoing SEBI regulatory requirements.

Learn More

Regulatory Advisory

Credit Information Companies

We assist Credit Information Companies with licensing, compliance, data governance, and regulatory advisory services in India.

Learn More

RBI Framework

Investment And Credit Company ICC

Our services help ICCs manage regulatory compliance, licensing, and governance as per RBI norms and guidelines.

Learn More

FDI Advisory

Foreign Investment In NBFC Sector In India

We support foreign investors entering the NBFC sector by handling FDI compliance, approvals, structuring, and documentation.

Learn More

Growth Advisory

Fintech to Fintech Advisory

We help fintech companies collaborate, scale, and remain compliant through strategic advisory and regulatory support.

Learn More

Regulatory Compliance

Fintech Compliance

Our fintech compliance services ensure adherence to RBI, SEBI, and data protection regulations across operations.

Learn More

Financial Management

Virtual CFO for Finance Company

Our Virtual CFO services provide expert financial planning, reporting, and compliance support without full-time hiring costs.

Learn More

Simplifying Regulations, Empowering Growth

What is a Non-Banking Financial Company (NBFC)?

Frequently Asked Questions

How to apply for NBFC registration?

You must incorporate a company under the Companies Act and apply online through the RBI COSMOS portal, followed by submission of physical documents to the regional office of the Reserve Bank of India.

How to check NBFC registration number?

You can verify the NBFC registration number on the official website of the Reserve Bank of India under the “List of Registered NBFCs” section.

How to get NBFC registration?

To get NBFC registration, a company must meet the minimum Net Owned Fund requirement and obtain a Certificate of Registration from the Reserve Bank of India.

Do NBFC registration images matter?

Registration images are not mandatory, but a scanned copy of the Certificate of Registration issued by RBI is required for official use.

How to check registration of NBFC?

Visit the RBI website and search for the company name in the official list of registered NBFCs.

How to find NBFC registration number?

The registration number is available on the RBI website or on the Certificate of Registration issued to the NBFC.

How to restore Certificate of Registration for NBFC?

If lost or damaged, you must apply to RBI with a formal request letter and supporting documents for reissuance.

Is Certificate of Registration mandatory for NBFC?

Yes, an NBFC cannot commence or carry on financial business without a valid Certificate of Registration from RBI.

Is Certificate of Registration issued by RBI for NBFC?

Yes, the Certificate of Registration for NBFCs is officially issued by the Reserve Bank of India.

Is NBFC registration required for financial services?

NBFC registration is mandatory if the company’s principal business involves lending, investment, or financial asset acquisition as defined by RBI.

Is registration of NBFC with RBI compulsory?

Yes, registration with RBI is compulsory before starting any NBFC-related financial activities in India.

What documents are required for registration of NBFC?

Key documents include incorporation certificate, MOA & AOA, board resolutions, Net Owned Fund proof, director KYC, and business plan.

What is the appeal procedure against NBFC registration cancellation by RBI?

An appeal can be filed before the appropriate authority or court within the prescribed time under RBI regulations.

What are the steps to get NBFC registration?

Incorporate a company, ensure minimum capital compliance, apply through RBI portal, submit documents, and obtain approval from RBI.

What types of NBFC registration are there?

Major types include Investment and Credit Company (ICC), NBFC-MFI, NBFC-Factor, Infrastructure Finance Company, and Core Investment Company.

When can the Certificate of Registration of NBFC be cancelled?

RBI may cancel registration if the NBFC fails to comply with regulatory norms, capital requirements, or violates RBI guidelines.

Where to file NBFC registration with RBI?

Applications are filed online through the RBI COSMOS portal and submitted to the concerned regional office of RBI.

Incorporate your NBFC in India with Ease!

Overview of NBFC Registration

For the NBFC License to be issued, the following requirements must be met

The entity desiring registration should meet the following requirements before applying to RBI

Based on their liabilities, the following NBFC types need the RBI certificate

Which entities in India are not NBFCs?

Who We’re & Our Purpose?

We’ve turned tangled regulatory processes into streamlined success stories.

With NBFC Advisory, you’ll benefit from

End-to-End Guidance

Expert Document Preparation

Dedicated Support

Compliance Confidence

Simplifying NBFC Registration

Why should you incorporate an NBFC in India?

Registration Requirements

Company Structure

Director Expertise

Business Plan

Minimum Net Owned Funds (NOF)

Capital Quality

Creditworthiness

FEMA Compliance

NBFC Registration Process

1

Register Under the Companies Act

2

Ensure Minimum NOF

3

Application Form

4

Document Submission

5

CARN Number

6

Submit to RBI Regional Office

7

Approval

Checklist of Documents Required for NBFC Registration

Our NBFC Registration Solutions

Comprehensive Guidance

Documentation and Preparation

Regulatory Compliance

Application Submission

Dedicated Support

NBFC Advisory - Your Trusted Partner for Regulatory Excellence

Why NBFC Advisory?

After NBFC Advisory

Before NBFC Advisory

Before NBFC Advisory

After NBFC Advisory

Schedule 30-minute call with our expert

Get started and register your NBFC successfully!

Other similar services

Other similar services

Advisory Service

NBFC Takeover

Learn More

Strategic Partnership

NBFC Collaboration

Learn More

Transaction Support

Buy and Sale NBFC

Learn More

Regulatory Assistance

NBFC Surrender

Learn More

Compliance Management

NBFC Compliance

Learn More

Advisory

Investment Advisory

Learn More

Regulatory Advisory

Credit Information Companies

Learn More

RBI Framework

Investment And Credit Company ICC

Learn More

FDI Advisory

Don't be shy - drop us a line
We're looking forward to speaking to you!