ComplyKart Services
Peer to Peer Lending License
Expert-assisted peer to peer lending license with clear 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.
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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
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 P2P licence
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, promoters, technology readiness — we check whether the file is strong enough before filing.
Build the business and tech documentation
Revenue model, risk framework, technology architecture — documented to RBI's expectations.
File for in-principle approval
Filed with RBI's Department of Non-Banking Regulation, tracked through scrutiny.
Satisfy the conditions
Platform build-out, escrow setup, legal documentation — everything the in-principle approval requires.
Secure the CoR and set up compliance
Final Certificate of Registration secured; ongoing conduct compliance set up.
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.
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 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.
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