ComplyKart Services
Peer to Peer Lending License
Expert-assisted peer to peer lending license with clear, written pricing — a CA, CS or advocate who stays with you till the work is done.
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 Peer to Peer Lending License
Every requirement is a little different, so we quote after a short discussion — the consultation itself is free.
Custom quote
Peer to Peer Lending License
Talk to a ComplyKart expert — we’ll understand your requirement and share an exact written quote before you pay anything.
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P2P Lending License Package Inclusions
- RBI NBFC-P2P application preparation
- Rs. 2 crore NOF compliance roadmap
- Platform technology and escrow mechanism documentation
- Participant onboarding and disclosure framework
- Application follow-up until RBI CoR
Overview
What a P2P lending licence actually involves
Peer-to-peer lending platforms must register as NBFC-P2P with RBI — only a company can apply.
The minimum net owned fund is Rs. 2 crore; RBI grants an in-principle approval valid for twelve months before the final Certificate of Registration.
The business must be primarily technology-driven, with a secure platform, escrow mechanisms, and legal documentation.
Platforms cannot assume credit risk, promise assured returns, or provide credit enhancement — they are intermediaries.
Ongoing rules cap lender exposure and require disclosures, trustee-operated escrow accounts, and fit-and-proper management.
Benefits
Why P2P promoters work with us
Open each benefit to see what it means for you.
Application built to RBI's framework
RBI's NBFC-P2P framework has specific expectations — net owned funds, technology, escrow, governance. We build the application to them.
Technology and process documentation
The platform, the escrow mechanism, the credit assessment process — documented the way RBI wants to see them.
In-principle to final CoR
In-principle approval gives twelve months to build. We help you meet every condition for the final Certificate of Registration.
Ongoing conduct compliance
Lender caps, disclosures, no assured returns — the ongoing conduct rules are strict. We set up your compliance from day one.
Documents
What documents do you need for a P2P Lending License?
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
Platform 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
Peer to Peer Lending License 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 the platform company
We incorporate the company with P2P lending as a business object and ensure the minimum net owned fund of Rs. 2 crore is in place.
Build RBI-ready policies
We draft the board-approved policies RBI expects — lender/borrower onboarding, credit assessment, grievance redressal, and IT security — aligned with RBI's NBFC-P2P directions.
Prepare the application
We compile the certificate of registration application with financials, business plan, technology details, and governance documents. Preparation typically takes 6-8 weeks.
File with RBI
The application is filed with RBI's Department of Regulation, which scrutinises promoters, capital, systems, and the business model, seeking clarifications as needed.
Registration and launch
On satisfaction, RBI grants the NBFC-P2P certificate of registration. The platform must then comply with ongoing norms — Rs. 50 lakh lender exposure caps across platforms, escrow-only fund flows, and quarterly reporting. Approval 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.
P2P licensing specialists
NBFC-P2P is a specialist licence — we know the framework, the escrow mechanics, and the conduct rules.
Both stages handled
In-principle approval, platform conditions, final CoR — we manage the full two-stage journey.
Compliance by design
The conduct rules are where platforms get into trouble. We design compliance in from the start.
P2P licensing specialists: NBFC-P2P is a specialist licence — we know the framework, the escrow mechanics, and the conduct rules.
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 8 answers, or filter by the stage you’re thinking about.
Showing 8 of 8 answers
An NBFC-P2P licence (Certificate of Registration) from RBI is mandatory — operating a lending marketplace without one is not permitted. Only a company can apply.
The minimum net owned fund is Rs. 2 crore. RBI grants an in-principle approval valid for twelve months, within which you must set up the technology platform and complete legal documentation for the final CoR.
Typically several months for the in-principle approval, then up to twelve months to satisfy the conditions for the final registration. We manage both stages.
No — and this is important. RBI prohibits P2P platforms from promising assured returns, offering tenure-linked guarantees, or providing credit enhancement. The platform is an intermediary; credit risk stays with the lenders.
Lender exposure is capped — currently Rs. 50 lakh across all P2P platforms per lender, with net-worth certification required above Rs. 10 lakh. We build these rules into your platform's compliance design.
Fund flows between lenders and borrowers must go through escrow accounts operated by a trustee — at least two accounts, one for lender funds pending disbursal and one for borrower repayments. We document the mechanism for the application.
Quote-based, covering the application, documentation, and compliance setup across both stages. Request a quote with your company and capital details.
Yes — and RBI's conduct rules have tightened over time, so the compliance design matters as much as the licence. We keep you current with the latest directions.
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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 Peer to Peer Lending License. The first consultation is free.
