Mandatory annual compliance for deposit/loan disclosure
DPT-3 Filing Online in India
File Return of Deposits with MCA
Due by June 30 Every Year
- Starting @
₹1,499
Only
100% Online Process. Avoid Heavy Penalties. Expert CA/CS Support.
Form DPT-3 Preparation & Filing
Annual Return of Deposits
Loan & Borrowing Disclosure
Exempted Deposit Declaration
Auditor Certificate (if required)
MCA Portal Submission
Expert Consultation in Minutes
What Sets Us Apart
15,000+ DPT-3 Filings Done
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“Incorporating my Startup with IncorpX was an incredibly smooth and hassle-free experience. The team was highly professional, guiding us every step of the way with clear communication and prompt support. The registration process was fast, and every detail was handled with precision and accuracy. Highly recommend IncorpX for anyone starting a business.”
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“It's rare to find a service provider who makes the process feel personal - IncorpX absolutely did. From day one, they patiently explained every detail without any jargon, making it easy to understand and stress-free. There was zero chasing, no delays-just efficient, smooth execution all the way through. I felt supported, heard, and confident at every step of registering my company EIGHTH DAY FORGE (OPC) Private Limited. Thanks to Mr. Sriram and his wonderful team.”
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Don't Miss Your DPT-3 Filing Deadline
File annual return of deposits by June 30 to avoid penalties up to ₹5 crore - starting at ₹1,499
HERE'S HOW IT WORKS
1. Fill the Form
Simply fill the above form to get started.
2. Call to discuss
Our startup expert will connect with you & complete legalities.
3. File Your DPT-3 Form Seamlessly
Get expert assistance with deposit return filing and loan disclosure compliance.
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Form DPT-3 Preparation
Deposit Analysis
Loan/Borrowing Disclosure
Exempted Deposit Classification
Auditor Coordination
MCA Portal Submission
DSC Affixation
Filing Confirmation
Document Archival
Dedicated CA/CS Support
*Government fees are additional and vary based on company structure
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An all-inclusive solution for startups and expanding enterprises seeking a streamlined, compliant incorporation process.
Key Benefits
Personalised support from dedicated incorporation specialists.
Application prepared and filed within 2 days.
24/7 customer assistance.
Important Notes
We strive to register your preferred business name whenever feasible.
Alternative name suggestions are provided if the preferred name is not approved.
Package includes first-year compliance services: auditor appointment, annual filings, and related obligations.
DPT-3 Filing is the mandatory annual compliance for companies to declare their deposits, loans, and borrowings to the Registrar of Companies (ROC). Under the Companies (Acceptance of Deposits) Rules, 2014, every company that has accepted deposits or has outstanding loans/borrowings must file Form DPT-3 by June 30 every year.
Form DPT-3 serves as a return of deposits that provides the ROC with information about the company's deposit and borrowing position as on March 31 of each financial year. This helps the government track deposit-accepting companies and protect depositor interests.
The form requires disclosure of both deposits (money received from members or public that doesn't fall under exempted categories) and exempted deposits (loans from banks, directors, relatives of directors, etc.). Even companies with no deposits but having inter-corporate loans or director loans must file DPT-3.
At IncorpX, we provide comprehensive DPT-3 Filing Services ensuring your company meets all MCA compliance requirements. Our team of expert Chartered Accountants (CAs) and Company Secretaries (CSs) handles the complete process from deposit analysis to ROC submission.
What is Form DPT-3?
Form DPT-3 is the statutory form prescribed by MCA for filing Return of Deposits. It contains details of all deposits and exempted deposits outstanding as on March 31, along with information about deposit repayment, maturity, and any defaults.
There are two types of DPT-3 filings:
Annual Return (June 30): Filed every year disclosing deposits and exempted deposits outstanding as on March 31.
One-time Return: Filed within 90 days of receiving money that qualifies as exempted deposit (like director loans, inter-corporate deposits).
The Companies (Acceptance of Deposits) Amendment Rules, 2019 expanded the scope of DPT-3 to include all borrowings and exempted deposits, not just deposits from public. This means even companies with director loans, shareholder loans, or inter-corporate borrowings must file DPT-3.
Key Information in Form DPT-3:
Company Details:
CIN, company name, registered office address, and financial year.
Deposit Details:
Opening balance, received during year, repaid, and closing balance.
Exempted Deposits:
Director loans, shareholder loans, bank borrowings, ICDs.
Default Information:
Any defaults in repayment of deposits or interest.
Important Warning!
Form DPT-3 must be filed by June 30 every year for the previous financial year. Late filing attracts a penalty of ₹1 lakh to ₹25 lakh on company and ₹25,000 to ₹5 lakh on officers in default. For continued default, additional penalty of ₹500/day applies!
Who Must File DPT-3?
DPT-3 filing is applicable to a wide range of companies. Here's who must file:
Companies Accepting Deposits:
Any company that has accepted deposits from members (allowed for Private Limited with conditions)
must file DPT-3 annually.
Companies with Director Loans:
If directors or their relatives have given loans to the company,
DPT-3 must be filed disclosing these as exempted deposits.
Companies with Inter-Corporate Deposits:
Companies that have borrowed from other companies (not being banking companies)
must disclose these in DPT-3.
Companies with Shareholder Loans:
Loans from shareholders in a private company are exempted deposits
and must be disclosed in DPT-3.
Note: Government companies, NBFCs, housing finance companies, and certain other
specified companies are exempt from DPT-3 filing.
What Are the Key Features of Our DPT-3 Filing Service?
Our DPT-3 Filing Services are designed for comprehensive disclosure and complete compliance. Here's what makes IncorpX the preferred choice:
1. Deposit Analysis
We analyze all your borrowings to classify them correctly as deposits or exempted deposits.
2. Complete Disclosure
Comprehensive disclosure of all deposits, loans, and borrowings as required by MCA.
3. Compliance Verification
We verify if your borrowings comply with deposit acceptance rules to avoid violations.
4. Auditor Coordination
We coordinate with your auditor for certification if required for specific disclosures.
5. Deadline Tracking
Proactive reminders before June 30 deadline to ensure timely filing.
6. Exemption Analysis
Identify which of your borrowings qualify as exempted deposits under the rules.
7. DSC Handling
We handle DSC procurement and affixation if required for the filing.
8. MCA Portal Expert
Experienced team for smooth submission on MCA21 portal without errors.
9. Affordable Pricing
Just ₹1,499 for complete DPT-3 filing with all documentation and support.
10. Expert Support
Dedicated CA/CS team to handle complex deposit situations and resolve queries.
Benefits of Timely DPT-3 Filing:
Filing DPT-3 on time is crucial for maintaining your company's compliance status and avoiding severe penalties. Here are the key benefits:
Avoid Heavy Penalties
Late filing attracts penalties up to ₹25 lakh on company and ₹5 lakh on officers. File on time to save.
Clean MCA Record
Timely DPT-3 filing maintains your clean compliance record on MCA portal.
Transparency
Proper disclosure of borrowings shows transparency and good governance.
Loan Applications
Banks check DPT-3 compliance during loan due diligence. Clean records help approvals.
Investor Confidence
Proper deposit disclosure builds trust with investors and stakeholders.
Avoid Prosecution
Serious deposit violations can lead to prosecution. Compliance protects directors.
Don't miss the June 30 deadline!
Deposits vs Exempted Deposits - Understanding the Difference:
Understanding what constitutes a "deposit" vs "exempted deposit" is crucial for correct DPT-3 filing. Here's a comprehensive comparison:
Category
Deposits
Exempted Deposits
Definition
Money received as loan/deposit from members or public
Specific borrowings excluded from deposit definition
Acceptance Rules
Strict rules apply - only eligible companies can accept
No deposit acceptance restrictions apply
Private Company
Can accept from members only with limits
Can accept director/shareholder loans freely
Examples
Fixed deposits from members, public deposits
Bank loans, director loans, ICD, shareholder loans
DPT-3 Disclosure
Must be disclosed with full details
Must be disclosed as exempted deposits
Interest Rate Limit
Maximum rate prescribed by RBI
No interest rate restrictions
Security Requirement
May require deposit insurance/security
No security requirement
List of Exempted Deposits Under Companies Rules:
The following are treated as "exempted deposits" and not subject to deposit acceptance rules, but must be disclosed in DPT-3:
S.No
Type of Borrowing
Condition for Exemption
1
Loans from Banks/Financial Institutions
Any loan from scheduled bank or PFI
2
Loans from Directors
Director must give declaration that it's not from borrowed funds
3
Loans from Relatives of Directors (Private Co.)
Declaration required that funds are not borrowed
4
Loans from Shareholders (Private Co.)
Must be from shareholder's own funds, not borrowed
5
Inter-Corporate Deposits (ICD)
Loan from another company (non-banking)
6
Commercial Paper
Issued as per RBI guidelines
7
Debentures/Bonds
Secured debentures with debenture trustee
8
Advance for Goods/Services
Advance in ordinary course of business
9
Security Deposit from Employees
Not exceeding 12 months' salary
10
Non-interest bearing security deposit
Received in ordinary course of business
Documents Required for DPT-3 Filing:
Complete list of deposits/loans outstanding
Opening and closing balance details
Loan agreements/deposit receipts
Director loan declarations
Bank loan sanction letters
Interest payment details
Digital Signature Certificate (DSC)
Auditor certificate (if applicable)
Complete Document Checklist for DPT-3:
Proper documentation ensures accurate DPT-3 filing. Here's the comprehensive checklist:
Category
Document
Purpose
Who Provides
Deposit Details
Deposit Register
Complete record of all deposits
Company
Deposit Receipts
Proof of deposit transactions
Company
Interest Payment Records
Proof of timely interest payment
Company
Exempted Deposits
Loan Agreements
Terms of director/shareholder loans
Company/Lender
Director Declarations
Confirming funds are not borrowed
Directors
Bank Sanction Letters
Details of bank borrowings
Banks
Filing Requirements
Digital Signature Certificate
For signing the MCA form
Director
Auditor Certificate
Certification for specific disclosures
Statutory Auditor
How Our DPT-3 Filing Process Works:
Filing DPT-3 with IncorpX is systematic and hassle-free. Here's our step-by-step process:
Step 1: Borrowing Analysis
We analyze all your company's borrowings, loans, and deposits to classify them correctly as deposits or exempted deposits.
Step 2: Document Collection
We collect loan agreements, deposit records, director declarations, and other supporting documents for accurate disclosure.
Step 3: Data Compilation
Opening balance, transactions during the year, and closing balance are compiled for each category of deposits/exempted deposits.
Step 4: Form Preparation
Form DPT-3 is prepared with complete details of all deposits and exempted deposits as required by MCA.
Step 5: Auditor Coordination
If auditor certification is required, we coordinate with your statutory auditor to obtain the necessary certificate.
Step 6: MCA Submission
DPT-3 is filed on the MCA21 portal with DSC. We provide filing confirmation and SRN for your records.
Expert filing with complete compliance!
DPT-3 Filing Deadlines & Penalty Structure:
Understanding deadlines and penalties helps you plan DPT-3 filing effectively. Here's the complete timeline:
Type of Filing
Due Date
Penalty on Company
Penalty on Officers
Annual Return
June 30 every year
₹1 lakh to ₹25 lakh
₹25,000 to ₹5 lakh
One-time Return
Within 90 days of receiving exempted deposit
₹1 lakh to ₹25 lakh
₹25,000 to ₹5 lakh
Continued Default
After initial penalty
₹500/day additional
₹500/day additional
Maximum Penalty
-
Up to ₹5 crore
Up to ₹25 lakh + imprisonment
Note: DPT-3 penalties are among the highest in MCA compliance. Even small companies face minimum ₹1 lakh penalty for late filing. Timely compliance is essential.
Why Choose IncorpX for DPT-3 Filing?
Expert Analysis: Correct classification of deposits and exempted deposits.
Affordable: Complete filing at just ₹1,499.
Complete Disclosure: All borrowings properly reported.
Compliance Check: Verify deposit rule compliance.
Deadline Reminders: Never miss June 30 deadline.
Expert Support: Dedicated CA/CS for your filing.
FAQs on DPT-3 Filing
Filing Form DPT-3 is crucial for deposit and loan compliance. We've compiled answers to the most frequently asked questions to help you understand the requirements.
These FAQs cover everything from applicability to penalties, helping companies stay compliant.
Form DPT-3 is the statutory form for filing Return of Deposits with MCA. It contains details of all deposits and exempted deposits outstanding as on March 31, along with information about amounts received, repaid, and any defaults.
DPT-3 must be filed by:
Companies that have accepted deposits from members
Companies with outstanding director loans
Companies with shareholder loans (private companies)
Companies with inter-corporate deposits
Any company with exempted deposits outstanding
The annual DPT-3 must be filed by June 30 every year, disclosing deposits and exempted deposits outstanding as on March 31 of that financial year.
Late filing attracts penalty of ₹1 lakh to ₹25 lakh on company and ₹25,000 to ₹5 lakh on every officer in default. For continued default, additional ₹500/day penalty applies.
Exempted deposits are borrowings that are excluded from the definition of "deposit" under Companies Rules. These include bank loans, director loans, shareholder loans, inter-corporate deposits, and certain other specified borrowings.
Yes. Loans from directors are treated as exempted deposits and must be disclosed in DPT-3. The director must also provide a declaration that the loan is not from borrowed funds.
Yes. Bank loans are exempted deposits and must be disclosed in DPT-3. While they don't fall under deposit acceptance restrictions, disclosure in DPT-3 is mandatory.
Yes. Private Limited Companies must file DPT-3 if they have any deposits from members, director loans, shareholder loans, or other exempted deposits outstanding.
One-time DPT-3 must be filed within 90 days of receiving money that qualifies as exempted deposit (like a new director loan or ICD). This is separate from the annual June 30 filing.
If the company has no deposits and no exempted deposits (including bank loans, director loans, etc.) outstanding, DPT-3 filing is not required. A nil return is not mandatory.
The government fee for DPT-3 ranges from ₹200 to ₹600 based on the company's authorized capital. Additional fee applies for delayed filing.
Form DPT-3 is signed by a director of the company using their Digital Signature Certificate (DSC). The statutory auditor may also need to certify certain disclosures.
Auditor certificate is required in specific cases, such as when the company has accepted deposits from members. For companies with only exempted deposits, auditor certification may not be mandatory.
Inter-Corporate Deposit (ICD) is a loan given by one company to another company (both being non-banking companies). It's treated as an exempted deposit and must be disclosed in DPT-3.
No. Non-Banking Financial Companies (NBFCs) registered with RBI are exempt from DPT-3 filing as they are governed by separate RBI regulations for deposits.
Deposit Register is a statutory register that companies accepting deposits must maintain. It contains details of all deposits including depositor name, amount, interest rate, maturity date, and repayment details.
No. Private Limited Companies cannot accept deposits from the public. They can only accept deposits from members, and that too with conditions and limits under the Companies Act.
Unsecured loans from directors, shareholders, or other companies are exempted deposits and must be disclosed in DPT-3. Even unsecured borrowings require DPT-3 filing.
IncorpX charges just ₹1,499 for complete DPT-3 filing including analysis, form preparation, and MCA submission. Government fees and auditor charges are additional.
