ComplyKart Services
Housing Finance Company Registration
Housing finance is a regulated lending business — RBI registration, substantial capital, and a credible business plan are non-negotiable. We prepare the application, verify your capital the RBI way, and manage the process to decision.
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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Your details stay private — we only call about this enquiry.
Experience behind every filing
A quick snapshot of the work so far.
Fees
Fees and packages for Housing Finance Company Registration
Every requirement is a little different, so we quote after a short discussion — the consultation itself is free.
Custom quote
Housing Finance Company Registration
Talk to a ComplyKart expert — we’ll understand your requirement and share an exact written quote before you pay anything.
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Housing Finance Company Registration Package Inclusions
- NHB/RBI HFC application preparation
- Rs. 20 crore NOF compliance roadmap
- Board, business plan and systems documentation
- NHB refinance eligibility briefing
- Application follow-up until approval
Overview
What HFC registration involves
HFCs are regulated by RBI under its housing finance directions (the function moved from NHB in 2019).
The applicant must be a company with housing finance as its principal business object.
Substantial Net Owned Fund is required — typically ₹20 crore under current RBI directions.
The principal-business test requires a majority of net assets in qualifying housing-finance assets.
Registration brings ongoing prudential norms, periodic returns, and IND-AS accounting requirements.
Benefits
Why promoters prepare HFC applications through us
Open each benefit to see what it means for you.
Capital position verified first
RBI's current framework requires substantial Net Owned Fund for HFC registration — we verify your capital position the way RBI computes it before you commit to the process.
Objects clause fixed up front
The MoA must carry housing finance as the principal object. We review and amend your charter so the application isn't rejected on objects.
Business plan that holds up
A credible business plan — lending products, funding, risk management, projections — is central to the application. We draft it properly.
Queries managed to decision
HFC applications involve detailed scrutiny and queries. We manage the correspondence until there's a decision.
Post-license obligations mapped
Registration brings NHB-style prudential norms, returns, and IND-AS requirements. We brief your team on the full ongoing load.
Documents
What documents do you need for HFC Registration?
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 promoter documents
Verified against MCA requirements
Financial and operational 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
Housing Finance Company Registration process — 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 5
Incorporate with the right objects
We ensure the company is incorporated with housing finance as a main object. Since August 2019, HFCs are regulated by RBI (not NHB) — the application goes to RBI.
Meet the net owned fund requirement
RBI mandates a minimum net owned fund for HFCs — currently Rs. 25 crore. We help you certify and document the capital.
Prepare policies and systems
We help draft the board-approved credit, risk, KYC/AML, and grievance policies RBI expects, and review your loan management systems.
File the application with RBI
We compile and file the certificate of registration application with RBI's Department of Regulation. Preparation typically takes 6-8 weeks.
RBI scrutiny and registration
RBI examines the application, conducts due diligence on promoters and management, and may seek clarifications. On satisfaction, it grants the certificate of registration — the process typically takes 6-12 months.
Why ComplyKart
Why ComplyKart for this
You should know who’s doing what. Open a stage to see how the work is shared.
Honest eligibility calls
HFC applications are capital-intensive commitments. We verify eligibility honestly before you spend on the process.
Regulatory depth
RBI financial-sector licensing is core work for our team — the documentation standards are second nature.
One team, full journey
From application to your first returns as a registered HFC, one team owns the journey.
Honest eligibility calls: HFC applications are capital-intensive commitments. We verify eligibility honestly before you spend on the process.
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
Under current RBI directions, an HFC applicant typically needs Net Owned Fund of ₹20 crore. Sources vary on this figure, so we verify the current requirement against RBI's latest directions for your application.
Since 2019, HFCs are regulated by RBI (the function moved from the National Housing Bank). Registration as an NBFC-HFC comes from RBI under its housing finance directions.
The principal object must be housing finance — financing the purchase, construction, or renovation of dwelling units. We review your MoA and amend it if needed.
Typically several months of scrutiny and queries. We assess your readiness first and set realistic expectations.
At least 50% of net assets in qualifying housing-finance assets, with a large share in individual housing loans — the principal-business test for HFCs is specific. We assess this before filing.
Yes — deposit-taking by HFCs is tightly regulated with specific conditions. Most new HFCs start non-deposit-taking; we advise on the implications of each.
Quote-based, depending on capital structure and readiness. Share your position and we'll scope it before starting.
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What clients say about working with us
Real stories from businesses we've worked with.
Our Trademark was applied in all the classes with a short span of time by Complykart Trademark Experts and I can say the level of expertise and commitment they carry is remarkable. It's an A+ from my side. We are now sticking to ComplyKart only.
I found the professionalism of the staff at complykart.com, a pleasure to work with. As a foreigner to India, they took the time to explain the documentation and assisted in every question I raised. I was pleased that complykart.com made it easy for my Business.
Trust, Commitment, Dedication and responsiveness are the best things with ComplyKart. Thanks for handling our Merger assignment with so much care. After my business disputes, complykart handles all things with own sense of understanding.
Learning center
Guides on Housing Finance 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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Talk to a ComplyKart professional about Housing Finance Company Registration. The first consultation is free.
