ComplyKart Services
NBFC Registrations
An NBFC licence is one of the hardest financial licences in India to get — capital proof, promoter vetting, a business plan that survives RBI's questions. We build the application the way the regulator reads it.
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.
Get a free callback
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 NBFC Registrations
Every requirement is a little different, so we quote after a short discussion — the consultation itself is free.
Custom quote
NBFC Registrations
Talk to a ComplyKart expert — we’ll understand your requirement and share an exact written quote before you pay anything.
Talk to us for a quote
NBFC Registration Package Inclusions
- RBI CoR application (COSMOS) preparation
- NOCC business plan and financial projections
- Director and shareholder fit-and-proper documentation
- Net Owned Fund compliance roadmap
- Application follow-up until RBI approval
Overview
What NBFC registration actually involves
A Non-Banking Financial Company must be a company registered under the Companies Act, with RBI's Certificate of Registration to commence business.
The minimum net owned fund is currently Rs. 2 crore for most categories — a hard entry requirement.
RBI examines promoters and directors against fit-and-proper criteria and reviews the business plan and projections.
NBFCs are classified by activity — investment and credit, microfinance, factors, infrastructure finance, and others.
Registered NBFCs file periodic returns with RBI and follow prudential norms on capital, asset classification, and governance.
Benefits
Why NBFC promoters work with us
Open each benefit to see what it means for you.
Application built to survive scrutiny
RBI rejects weak NBFC files without much explanation. We stress-test your application before it goes in.
RBI-format business plan
The business plan and projections are the heart of the file — we write them in the format and rigour RBI expects.
Fit-and-proper documentation
Promoter and director backgrounds are examined closely. We vet and document before RBI asks.
Post-registration compliance
Certificate of Registration is the beginning — we set up your returns, board, and compliance calendar.
Documents
What documents are required for NBFC 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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Tick what you already have. This checklist resets when you leave the page.
Company and promoter documents
Verified against MCA requirements
Business and financial 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
NBFC registration with RBI — 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
Incorporate the company with a financial object
An NBFC licence is granted only to a company incorporated under the Companies Act, 2013 with financial business as a principal object. We ensure the MOA is correctly worded before anything else.
Meet the net owned funds threshold
New applicants must meet RBI's minimum net-owned-funds threshold, which was raised from ₹2 crore to ₹10 crore in 2021. The funds must come from clean, documented sources.
Prepare the business plan and promoter dossier
We build a detailed business plan with financial projections and compile promoter profiles, fit-and-proper declarations, and source-of-funds evidence. RBI scrutinises promoter integrity closely.
File the application on RBI's COSMOS portal
The application for a Certificate of Registration under Section 45-IA of the RBI Act, 1934 is filed online through RBI's COSMOS portal with all supporting documents.
Respond to RBI queries and inspections
RBI examines the application, may ask for clarifications, and can conduct due diligence on promoters and the business plan. We handle queries and keep the file moving.
Receive the Certificate of Registration
On satisfaction, RBI issues the Certificate of Registration authorising the company to commence non-banking financial business. The process typically takes 6-12 months for a well-prepared application.
Comply with ongoing NBFC regulations
After licensing, the NBFC must file periodic returns with RBI, maintain capital adequacy, follow fair-practice codes, and meet governance norms applicable to its layer under RBI's scale-based framework.
Why ComplyKart
Why ComplyKart for this
You should know who’s doing what. Open a stage to see how the work is shared.
RBI licensing specialists
NBFC, P2P, and PPI licensing files are regular work for us — the regulator's lens is familiar.
Full-stack handling
We prepare the business plan, the file, and the compliance setup — not just the application form.
Candid advice
Weak files waste a year. We tell you what's missing before RBI does.
RBI licensing specialists: NBFC, P2P, and PPI licensing files are regular work for us — the regulator's lens is familiar.
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 11 answers, or filter by the stage you’re thinking about.
Showing 11 of 11 answers
Only a company can register as an NBFC — not a proprietorship, partnership, or LLP. The minimum net owned fund is currently Rs. 2 crore for most categories.
Typically several months. RBI examines the file in stages and raises queries — a complete, well-argued first filing shortens the process considerably.
The category depends on your business — investment and credit (ICC), microfinance (MFI), factors, infrastructure finance, and others. Each has different norms. We recommend the category after understanding your model.
Promoters and directors must meet RBI's fit-and-proper criteria — financial soundness, integrity, and no regulatory black marks. We vet this before filing.
You can, but the file needs to be strong on systems, business plan, and promoter credibility. We give you an honest assessment of your chances before you commit.
Quote-based, covering the application, business plan, and documentation. Request a quote with your promoter and capital details.
An NBFC cannot accept demand deposits like a bank, and deposit-taking NBFCs face much stricter norms. Most new NBFCs register as non-deposit taking. We structure the application accordingly.
No. Only a company incorporated under the Companies Act (private or public limited) is eligible. LLPs, firms, and proprietorships cannot apply.
RBI treats a company as an NBFC when more than 50% of its total assets are financial assets and more than 50% of its gross income comes from them. We run this test before filing.
You enter ongoing RBI supervision — periodic returns, audits, and compliance with prudential norms. We prepare a compliance calendar so your team knows every deadline.
Yes, but digital lending has its own RBI guidelines — direct disbursal to borrower accounts, Key Fact Statements, and data-handling rules all apply alongside the license.
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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.
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 NBFC Registrations. The first consultation is free.
