ComplyKart Services
Core Investment Company Registration
The package includes:
- Certificate of Registration with ROC
- Review of Eligibility Norms for CIC
- Preparation & filing of Application with RBI
- Liaison & Responding to queries raised by RBI
- Certificate of Registration from RBI
- Developing Robust Mechanism of Compliance
Fill up the Form so that you can speak to the best Legal advisors on CIC Registration process
CA/CS-guided review
Your documents and structure are checked before anything is filed.
Written scope first
Inclusions and payable charges are explained before work begins.
Support till it’s done
One team owns your filing, from the first call to the final handover.
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Experience behind every filing
A quick snapshot of the work so far.
Fees
Fees and packages for Core Investment Company Registration
Every requirement is a little different, so we quote after a short discussion — the consultation itself is free.
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Core Investment Company Registration
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Core Investment Company Registration Package Inclusions
- CIC applicability assessment (systemically important or not)
- RBI registration application preparation
- Group structure and investment pattern documentation
- Adjusted net worth computation
- Application follow-up until RBI approval
Overview
CORE INVESTMENT COMPANY
A core investment company can be defined as a type of Non-Banking Financial Company (NBFC) which holds bonds, debentures, and shares and it cannot practice the trading of these instruments. A CIC is primarily associated with the acquisition of securities and shares and also includes two other distinct traits. It holds a minimum of 90 percent of its net assets in the form of Debentures, Debt, Shares, and loans in group companies or bonds. The investments of the CIC in equity shares of group companies should be at least 60 percent of the net assets of the company. The recent improvements by the RBI have indicated the need for treating CICs differently than other NBFCs in terms of regulatory actions. RBI has also decided to classify CICs with assets of Rs. 100 crores or more than that as systemically important core investment companies.
Previously, core investment companies (CICs) did not have to obtain a Certificate of Registration (COR) from the Reserve Bank of India (RBI). However, the revision of regulatory frameworks by RBI in 2010 has introduced specific concerns that shall be emphasized by CICs. CICs which have assets valuation less than 100 crores INR are not subject to the scope of registration by RBI. All the CICs in a particular group will be taken into account for justifying the exemption of a CIC from RBI’s registration imperatives. The CICs which have assets measuring over 100 crores INR and do not access public funds are also exempted from the registration imperatives outlined by RBI.
CICs which have assets valued more than 100 crores INR and accessing public funds through debentures, borrowing from banks or financial institutes, inter-corporate deposits or commercial paper are known as Systemically Important Core Investment Companies (CICs-ND-SI). These CICs are mandatorily obliged to get a Certificate of Registration from the RBI. The CICs which have assets evaluated at more than 100 crores INR and are accessing public funds without registration can be subjected to a penalty for violation of the Core Investment Companies (Reserve Bank) Directions of 2016.
COMPLYKART is the leading name in CIC related services in India, our well-experienced professionals have been supporting comprehensively entrepreneurs in acquiring hassle free CIC Registration. Our services include expert advisory over CIC registration, filing Application, preparing necessary documents, getting requisite approvals from the Authorities, on behalf of people and entities located in all parts of India and abroad.
The classification of CICs based on assets
CICs Less than 100 Crores INR
CICs which are registered and have total asset evaluation measuring less than 100 crores INR is the first type of CICs. These types of CICs are known for complying with the regulations outlined in Non-Systemically Important NBFC Prudential Norms of 2015.
CICs More than 100 Crores INR
The CICs which are registered and have total asset valuation more than 100 crores INR are the second type of CICs. These types of CICs follow the regulations illustrated in the Systemically Important NBFC Prudential Norms Directions of 2015.
ADVANTAGES OF HAVING CORE INVESTMENT COMPANY
Financial Security to the Group Companies
The primary advantage obtained from a core investment company could be observed in the provision of financial security for different companies in a group.
Easy to Register
The CIC model entails flexibility in terms of registration as compared to other NBFCs especially in terms of minimum net owned fund requirements.
No Requirement of NOF
A CIC does not need to have a minimum net owned fund if it is capable of fulfilling the requirements of capital as well as the leverage ratio.
Less Leverage Ratio
The CIC model also implies that the leverage ratio should not exceed 2.5 times the value of adjusted net worth.
Procedures of Registering a Core Investment Company
Step 1: Discussion with Experts
Submit the documents with our experts and our expert advisors shall be in touch with you on the eligibility criteria and registration process of CIC.
Step 2: Register a Company with ROC
Each CIC is required to obtain a Certificate of Incorporation, and this has to be provided by the Registrar of Companies and the CIC-ND-SI should apply to the RBI within three months from the date of its incorporation.
Step 3: Prepare & submit the documents with RBI
The application form could be downloaded from the official website of RBI that would also include guidance for filling up the form & documents required.
Step 6: Follow up the procedure
The application form should be submitted at the Regional Office of Department of Non-Banking Supervision with the required documents that would be outlined in the later part of this discussion.
Documents
- Details regarding access to public funds.
- Verified copies of the Certificate of Commencement of Business and Certificate of Incorporation of the applicant company.
- Information regarding the management.
- CIBIL data about the directors in the company.
- Financial statements of unincorporated bodies in the group for the last two years.
- Board resolution showing the approval for submitting the application as well as its contents and authorizing personnel.
- Board Resolution about the company staying away from accessing public funds or trading with the investments in debts, shares, bonds, loans in group companies and debentures.
- Details about the other CICs involved in the group.
- Business plan for the company with an outlook for the next three years illustrating the projected balance sheets, market segment and thrust of business.
How can we help you?
Modern approach
A contemporary approach to financial advisory services has been the foundation of our services for clients. This is specifically intended to facilitate new opportunities for clients to utilize their resources effectively with appropriate guidance for legal implications for starting a core investment company.
Your friend in need
We believe in the power of support for succeeding in the financial services industry. Our clients can be assured of round the clock support from our managers and support staff to clear obstacles in the registration process.
Keeping the client in mind
Standard services for registration of a core investment company are built according to the preferences of clients. Our experts are always committed to communicating necessary details about the basic conditions required for core investment company registration.
Services that count
Finally, we make sure to stay updated with the new norms and regulations introduced by RBI. The diverse expertise of our staff and knowledge of RBI guidelines makes it easier for us to serve our clients.
Benefits
Why promoters register their CIC through us
Open each benefit to see what it means for you.
Classification verified with real numbers
We verify the 90% net-assets test, the ₹100 crore asset threshold, and public-funds access against your actual numbers — so registration rests on a defensible classification.
Governance set up correctly
Independent directors, audit committee, nomination and remuneration committee, group risk management — we help you constitute the governance RBI expects.
Layering issues caught early
RBI limits CIC layers within a group. We review your structure for layering issues before filing, not after a query.
Handled through the long cycle
CIC applications run for months with detailed scrutiny. We manage the queries and documentation through the full cycle.
Post-registration obligations mapped
After registration, you get a clear calendar of returns, audits, and board obligations — nothing to discover by accident.
Documents
What documents are required for CIC registration with RBI?
Clear, current documents matter more than a long checklist. Names, dates of birth and addresses should match across every record — that's what the MCA checks first. Tick what you already have below.
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Company and group structure documents
Verified against MCA requirements
Net owned funds and compliance documents
Verified against MCA requirements
What is a CIN?
Every Private Limited Company gets a unique 21-character Corporate Identification Number from the MCA. It's proof your company legally exists. You'll need it for bank accounts, tax filings, and contracts. We handle the entire application — you just provide the documents above.
Not sure if your documents are ready?
Send us what you have. A ComplyKart expert will review them for free and tell you exactly what's missing — no obligation.
Get Free Document ReviewQuestions Founders ask us about documents
What if my address proof is old?
Utility bills and bank statements must be less than 2 months old. If yours are older, get a fresh copy — the MCA rejects stale proofs.
Do I need original documents?
No. Clear scans or photos work for the entire process. We never ask you to courier originals.
What if directors live in different cities?
That's normal. Each director uploads their own documents separately. Our system keeps everything organised.
I'm outside India. Can I still register a company?
Yes. India allows 100% foreign ownership in most sectors, and the entire process happens online. You need one Indian resident director, and your passport + address proof must be apostilled — we'll guide you through both. NRI founders and foreign investors do this with us regularly.
Check if you're eligible →How long does registration actually take?
7 to 10 working days from the day your documents are verified. Name approval takes 2-3 days, MCA incorporation another 5-7. We track every stage and update you.
Can I start if I'm missing one document?
Yes. Start now with what you have — we begin name reservation and DSC while you arrange the rest. Most founders are missing one proof; it rarely blocks the timeline.
Process
Core Investment Company registration — step by step
You’ll see each stage, what’s pending and what we need from you — so filings don’t bounce back.
Step 1 of 7
Determine whether CIC registration applies to you
A Core Investment Company is an NBFC that principally holds investments in group companies. Registration with RBI is required once the prescribed asset-size and net-owned-funds thresholds are met; smaller CICs may qualify for exemption.
Assess the thresholds with certified workings
We compute the company's asset size and net owned funds against RBI's CIC Directions — ₹100 crore for both net owned funds and asset size. Falling on the wrong side of these numbers changes the entire compliance path.
Map the group structure and investments
We document the group holding structure and the break-up of investments to demonstrate that the company meets the definition of a CIC under RBI's directions.
Prepare the application and board approvals
We compile financials, certified threshold workings, group charts, and promoter details, and obtain the board resolution authorising the application.
File the application with RBI
The registration application is submitted to the Reserve Bank of India with all supporting documents under the CIC Directions framework.
Respond to RBI's examination
RBI reviews the group's structure, financials, and compliance posture, and may raise queries. We handle responses and any additional documentation RBI asks for.
Receive registration and meet ongoing norms
On approval, RBI registers the company as a CIC. Registered CICs must follow the CIC Directions on capital requirements, leverage, governance, and periodic reporting to RBI.
Why ComplyKart
Why ComplyKart for this
You should know who’s doing what. Open a stage to see how the work is shared.
Dual regulatory expertise
CIC registration sits at the intersection of company law and RBI regulation. Our team works both sides daily.
Honest eligibility calls
If your structure doesn't support registration — or doesn't need it — we say so before you spend on the process.
One team, full journey
From classification to the certificate, one team owns the file.
Dual regulatory expertise: CIC registration sits at the intersection of company law and RBI regulation. Our team works both sides daily.
For NRI founders & foreign investors
If a founder or investor is outside India
You don't need to fly down. Most of our foreign-founder incorporations are completed without the founder ever visiting India — 100% foreign ownership is allowed in most sectors, and the entire process happens online.
Before you start
- 100% foreign ownership is allowed in most sectors — no Indian partner needed
- One Indian resident director is required by law — we help you find a compliant way forward
- Check whether your sector permits automatic-route foreign investment
- Your passport + address proof need an apostille, not an embassy visit
- Map ownership, beneficial ownership and pricing early
After incorporation
- Receive funds through permitted banking channels
- Complete RBI/FEMA reporting (FC-GPR, FLA) and keep the bank evidence
- Coordinate tax and ongoing compliance advice early
Free 15-minute eligibility call. No obligation.
FAQ
Frequently asked questions
Search all 7 answers, or filter by the stage you’re thinking about.
Showing 7 of 7 answers
Roughly: at least 90% of net assets invested in group companies, total assets of ₹100 crore or more, and access to public funds. We verify this against your actual numbers.
Many don't realize it until RBI or their lenders raise it. If your holding company is large and borrows, the classification may already apply — worth checking now rather than later.
Registration follows the NBFC application route with RBI, with CIC-specific governance and structural conditions. It is documentation-heavy and typically runs several months.
RBI generally restricts CIC layers within a group to two, with investment restrictions on step-down CICs. We map your group structure against these rules before filing.
Independent directors, board-level committees (audit, nomination and remuneration, group risk management), internal audit, and consolidated financial statements — scaled to your CIC's size.
In some cases, restructuring the group — adjusting asset composition, funding, or layers — changes the classification. We advise on the trade-offs honestly.
Quote-based, depending on group complexity and whether restructuring is involved. Share your structure and we'll scope it before starting.
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Real stories from businesses we've worked with.
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Learning center
Guides on Core Investment Company Registration
Deeper reading from our articles — the same rules, explained in plain words.
Trust & transparency
Sources & how we keep this page accurate
Primary sources we refer to:
- Ministry of Corporate Affairs (MCA)
- GST Portal
- Income Tax Department
- IP India (Trademark / Patent / Copyright)
Last verified: 6 October 2026
Compliance rules change. If something on this page looks outdated, tell us on WhatsApp and we'll fix it — and your filing will always follow the current rules, not just what's written here.
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