NBFC Registration Services — RBI Licence for Non-Banking Financial Companies
End-to-end NBFC registration services for obtaining a Certificate of Registration (CoR) from the Reserve Bank of India — covering eligibility assessment, document preparation, application filing, and RBI liaison until approval.
Eligibility & Structuring
Assessment of promoter background, NOF adequacy, business plan viability, and category selection — determining the right NBFC type before initiating the RBI registration process.
Company Incorporation
Incorporation of the applicant company under the Companies Act with appropriate objects clause, paid-up capital, and director profile aligned to RBI requirements before filing the NBFC application.
RBI Application Filing
Preparation and submission of the NBFC registration application on the COSMOS portal with all required documents — financial statements, business plans, board resolutions, KYC documents, and statutory declarations.
RBI Query Management
Professional handling of RBI queries, additional information requests, and clarifications during the application review process — ensuring timely and accurate responses to prevent delays.
Business Plan Preparation
Preparation of a comprehensive 5-year business plan with financial projections, capital adequacy assessment, income model, and risk management framework as required by the RBI for registration.
Post-Registration Compliance
Advisory on initial NBFC annual compliance obligations, RBI reporting setup, and operational framework to be established immediately after receiving the Certificate of Registration.
NBFC Registration Process in India
The NBFC registration process involves: (1) incorporation of the company under the Companies Act; (2) achieving minimum NOF of ₹10 crore in the company's bank account; (3) filing an online application on the RBI's COSMOS portal; (4) submission of physical documents to the regional RBI office; and (5) responding to RBI queries until the Certificate of Registration is granted.
The process typically takes 3 to 6 months from the date of filing, depending on the completeness of the application and the RBI's query cycle. Applications for specialised categories such as P2P Lending, Account Aggregator, and Microfinance Companies may have additional requirements and longer timelines.
Documents Required for NBFC Registration
- Certificate of Incorporation and Memorandum and Articles of Association of the applicant company
- Certified copies of audited financial statements for the past 3 years (or since incorporation if less)
- Net Owned Fund (NOF) certificate from a chartered accountant
- Bankers' report confirming deposit of NOF in a fixed deposit account
- KYC documents and background profiles of all directors and majority shareholders
- 5-year business plan with financial projections and capital adequacy analysis
- Board resolution authorising the NBFC application and certifying compliance with RBI directions
Frequently Asked Questions
Register Your NBFC with Expert RBI Liaison Support
Complete NBFC registration advisory — from structuring and incorporation to Certificate of Registration.
Contact UsF.A.Q.
It is the process of identifying and managing risks related to bribery, corruption, and unethical practices in a business.
It helps prevent legal penalties, protects reputation, and ensures ethical business operations.
The Prevention of Corruption Act, 1988 and other regulatory frameworks govern anti-bribery compliance.
Unethical payments, vendor kickbacks, fraud, and lack of internal controls.
By implementing strong policies, conducting due diligence, and monitoring transactions.
It involves evaluating vendors and partners to identify potential compliance and corruption risks.
