ComplyKart Services
Register your microfinance company with RBI, properly
Microfinance is one of the most tightly regulated corners of Indian finance — capital thresholds, promoter vetting, portfolio norms, and ongoing RBI returns. We take you from incorporation through licence to first disbursal.
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 microfinance company registrations
Every requirement is a little different, so we quote after a short discussion — the consultation itself is free.
Custom quote
Microfinance Company 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
Microfinance Company Registration Package Inclusions
- NBFC-MFI application preparation with RBI
- Qualifying asset (75%) business plan
- Net Owned Fund compliance roadmap
- Fair Practices Code and grievance framework
- Application follow-up until RBI approval
Overview
What microfinance registration actually involves
Microfinance lending at scale requires an NBFC-MFI licence from the Reserve Bank of India.
Only a company can apply — the minimum net owned fund is currently Rs. 5 crore.
RBI examines promoters (fit and proper), the business plan, systems, and funding strategy before granting the licence.
After licensing, a prescribed majority of assets must be qualifying microfinance assets, per RBI norms.
Licensed entities file periodic returns with RBI and follow regulated pricing and grievance norms.
Benefits
Why promoters register through us
Open each benefit to see what it means for you.
Application built for RBI scrutiny
RBI applications for NBFC-MFI licences are scrutinised hard — fit and proper, capital, systems, business plan. We prepare the file to that standard.
Fit-and-proper vetting first
Promoter backgrounds, shareholding, group structure — we vet these before RBI does.
Systems and processes guidance
Core banking system, audit trails, grievance redressal, credit bureau reporting — the operational backbone RBI expects.
Post-licence compliance set up
Licence in hand is the start, not the end. We set up your ongoing RBI returns and compliance calendar.
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.
0 documents marked ready
Tick what you already have. This checklist resets when you leave the page.
From you
We prepare
Process
How we handle your registration
You’ll see each stage, what’s pending and what we need from you — so filings don’t bounce back.
Step 1 of 5
Readiness assessment
Capital, promoter backgrounds, group structure — we check readiness before the first form is touched.
Incorporate the company (if needed)
If you don't have one yet, we incorporate the company that will hold the licence.
Build the business plan
RBI-format projections, portfolio mix, and systems plan — the documents that decide the outcome.
File and manage the application
Application filed with RBI with complete documentation, tracked through every stage with query responses.
Set up ongoing compliance
Licence in hand, we set up your returns calendar, board processes, and compliance manual.
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
RBI licensing files are a practice area for us — NBFC, P2P, PPI. The regulator's expectations are familiar.
Complete handling
From company incorporation to licence to ongoing returns — one team throughout.
Candid readiness advice
If the file isn't ready, we tell you what's missing rather than filing a weak application.
RBI licensing specialists: RBI licensing files are a practice area for us — NBFC, P2P, PPI. The regulator's expectations are familiar.
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 11 answers, or filter by the stage you’re thinking about.
Showing 11 of 11 answers
Microfinance lending at scale needs an NBFC-MFI licence from RBI. Smaller or non-profit models have other routes, but they don't scale the same way — we advise on which route fits your ambition.
The minimum net owned fund for an NBFC-MFI is currently Rs. 5 crore. This is a hard requirement — the application won't proceed without it.
Typically several months — RBI scrutiny is thorough and happens in stages, with queries in between. We manage the query responses so the file keeps moving.
You need a company first — only a company can apply for NBFC registration. We handle the incorporation and the RBI application as one engagement if you need both.
Yes — NBFC-MFIs can typically raise debt, take bank funding, and over time access capital markets like any NBFC, subject to RBI norms. The business plan we build includes the funding strategy.
Quote-based, covering the application, business plan, and compliance setup. Request a quote with your promoter details.
An NBFC-MFI is for microfinance — small-ticket, largely unsecured loans to low-income borrowers. A regular NBFC (ICC) has broader lending scope but higher expectations on systems. We help you choose based on your target borrowers.
NBFC-MFIs must deploy a prescribed majority of their assets as qualifying microfinance assets — small-ticket loans to low-income borrowers, largely without collateral. The exact norms are set by RBI and reviewed periodically; we structure your portfolio plan around the current rules.
Interest margins and pricing for microfinance are regulated — RBI sets the framework, which has been revised over the years. We advise on the current applicable norms when you apply.
Yes — microfinance borrowers must be reported to credit information companies like any other lending. Systems for this need to be in place before you scale.
Possible, but the application is assessed on its merits — capital, promoters, systems, and business plan. We give you a candid read on your application's strength before you commit.
Nothing matches that search. Try a shorter word, or choose “All questions”.
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.
Get a free consultation
Talk to a ComplyKart professional about microfinance company registrations — no obligation, no spam.
