ComplyKart Services
NBFC registration with RBI, handled by people who know the file
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 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 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.
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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
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 NBFC registration
You’ll see each stage, what’s pending and what we need from you — so filings don’t bounce back.
Step 1 of 6
Readiness assessment
Capital adequacy, promoter backgrounds, business model — we assess whether the file is ready.
Company incorporation (if needed)
Only a company can apply. We incorporate one if you don't have it.
Build the business plan
Projections, funding plan, risk framework — written to RBI's expectations.
File with RBI
Complete application filed with RBI, tracked through every stage.
Handle queries
RBI queries are standard. We respond precisely, with evidence.
Set up ongoing compliance
Returns calendar, board processes, compliance manual — the licence is just the start.
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.
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
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.
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