NBFC Registration Services – Your Gateway to India’s Financial Services Sector

NBFC Registration Services – Your Gateway to India’s Financial Services Sector

India’s financial ecosystem is expanding rapidly, creating strong opportunities for businesses in lending, investment, and asset financing. One of the most effective ways to enter this space is by setting up a Non-Banking Financial Company (NBFC). However, NBFC registration is a highly regulated and documentation-intensive process governed by the Reserve Bank of India.

Professional NBFC Registration Services help entrepreneurs and corporates obtain RBI approval smoothly, legally, and without unnecessary delays.


What Is an NBFC?

A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 2013, engaged in financial activities such as:

  • Loans and advances

  • Asset and equipment financing

  • Investment in shares and securities

  • Leasing and hire-purchase services

  • Microfinance and consumer finance

NBFCs are regulated by the Reserve Bank of India (RBI) and must comply with strict prudential and reporting norms.


Types of NBFCs in India

Depending on the business objective, NBFCs are classified into various categories, including:

  • NBFC – Investment and Credit Company (NBFC-ICC)

  • NBFC – Asset Finance Company (NBFC-AFC)

  • NBFC – Micro Finance Institution (NBFC-MFI)

  • NBFC – Housing Finance Company (HFC)

  • NBFC – Account Aggregator (AA)

Selecting the correct category is crucial for successful registration and long-term compliance.


Eligibility & Minimum Requirements for NBFC Registration

To apply for NBFC registration in India, the following requirements must be fulfilled:

  • Company Structure: Private Limited or Public Limited Company

  • Minimum Net Owned Fund (NOF): ₹2 Crore

  • Clean Financial Records: Transparent and legitimate source of funds

  • Qualified Management: Directors with financial or business experience

  • Comprehensive Business Plan: Clear operational and financial roadmap

Failure to meet these criteria may result in rejection by RBI.


NBFC Registration Process in India

The NBFC registration process involves multiple stages:

  1. Incorporation of company under Companies Act

  2. Infusion of minimum capital (NOF)

  3. Preparation of RBI-compliant documentation

  4. Online application filing on RBI COSMOS portal

  5. Submission of physical documents to RBI

  6. RBI scrutiny, clarification, and due diligence

  7. Grant of Certificate of Registration (CoR)

The entire process generally takes 4 to 6 months, depending on RBI review.


Documents Required for NBFC Registration

Key documents include:

  • Certificate of Incorporation

  • Memorandum & Articles of Association

  • Director KYC and experience profiles

  • Net worth certificates and bank statements

  • Detailed business plan and financial projections

  • Board resolutions and declarations

Accurate documentation plays a decisive role in approval timelines.


Why Choose Professional NBFC Registration Services?

NBFC registration demands precision, regulatory understanding, and experience. Professional consultants provide:

  • Correct NBFC classification advisory

  • End-to-end documentation support

  • RBI-compliant business plans and policies

  • Regular follow-ups with RBI

  • Reduced queries and faster approval

  • Post-registration compliance guidance

Expert handling significantly improves approval success.


Post-Registration RBI Compliance

After registration, NBFCs must comply with ongoing RBI requirements such as:

  • Periodic RBI returns and reporting

  • KYC & AML compliance

  • Fair Practices Code implementation

  • Statutory and internal audits

  • Capital adequacy and prudential norms

Professional compliance support ensures uninterrupted operations.


Conclusion

NBFC registration opens the door to vast opportunities in India’s financial services sector—but only when done correctly. With expert NBFC Registration Services, businesses can avoid regulatory hurdles, save time, and launch operations with confidence.

If you are planning to start an NBFC, professional guidance is not just helpful—it is essential for long-term success.