ComplyKart Services
HFC registration, built on verified capital and a real plan
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.
Get a call back
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
Documents you will usually need
Clear, current documents matter more than a long checklist. Names, dates of birth and addresses should match across records.
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From you
We prepare
Process
How we handle your HFC application
You’ll see each stage, what’s pending and what we need from you — so filings don’t bounce back.
Step 1 of 5
Eligibility and capital check
We verify your Net Owned Fund, company structure, and MoA objects against RBI's requirements.
Business plan drafting
Lending products, funding sources, risk management, and projections — drafted to RBI's expectations.
Application filing
The complete application with annexures goes to RBI through the prescribed process.
Query management
We handle departmental queries with supporting documentation until a decision is reached.
Registration and compliance handover
Returns, prudential norms, and IND-AS obligations are handed over on a clear compliance calendar.
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.
If a founder or investor is outside India
Foreign ownership is possible in many sectors, but it adds document authentication, banking and FEMA work. Set the route before funds move.
Plan before you start
- Check whether your sector permits automatic-route foreign investment
- Confirm the Indian resident director arrangement
- Map ownership, beneficial ownership and pricing
- Allow time for apostilled or consularised documents
Plan for after setup
- Receive funds through permitted banking channels
- Complete RBI/FEMA reporting and keep the bank evidence
- Coordinate tax and ongoing compliance advice early
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.
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Talk to a ComplyKart professional about housing finance company registration — no obligation, no spam.
