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NBFC Registration in Gandhinagar
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NBFC-ICC Registration
NBFC-MFI (Microfinance) License
NBFC-P2P (Peer-to-Peer) License
NBFC-Factor Registration
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Launch Your NBFC with RBI Approval in Gandhinagar?
Complete NBFC registration from company incorporation to RBI license - Expert guidance at every step
HERE'S HOW IT WORKS
1. Fill the Form
Complete the quick inquiry form above.
2. Call to discuss
Our team will reach out to guide you through the process.
3. Get Your NBFC Registered with RBI
Our experts handle the complete NBFC registration process from start to finish. Quick and hassle-free.
SIMPLE & TRANSPARENT PRICING
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NBFC Registration Package in Gandhinagar
₹49999 /one-time
Complete within 9 days
Quick 9-day delivery Money-back guarantee
NBFC Category Assessment
Company Incorporation (if needed)
Capital Structure Planning
Business Plan Preparation
RBI Application Drafting
Document Compilation
COSMOS Portal Submission
RBI Query Handling
License Issuance Support
Post-Registration Guidance
*Government fees are additional and vary based on company structure
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IncorpX Prime
An all-inclusive solution for startups and expanding enterprises seeking a streamlined, compliant incorporation process.
Key Benefits
Personalised support from dedicated incorporation specialists.
Express filing within 1 days of document submission.
Anytime access to our support team.
Important Notes
Priority name reservation to secure your preferred company name.
Expert guidance on MCA-compliant naming conventions.
Package includes first-year compliance services: auditor appointment, annual filings, and related obligations.
A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 2013 that engages in the business of loans and advances, acquisition of securities, leasing, hire-purchase, insurance business, or chit fund business. NBFCs play a crucial role in India's financial ecosystem by providing credit to underserved segments.
Under Section 45-IA of the RBI Act, 1934, no company can commence or carry on the business of a non-banking financial institution without obtaining a Certificate of Registration (CoR) from the Reserve Bank of India. Operating without an NBFC license is a serious offense punishable with imprisonment and heavy fines.
The RBI has revised the minimum Net Owned Fund (NOF) requirement for NBFCs. Currently, most NBFCs require a minimum NOF of ₹10 crore, though this varies by category. The application is submitted through RBI's COSMOS portal and typically takes 4-6 months for approval.
At IncorpX, we provide comprehensive NBFC Registration Services covering everything from company incorporation to RBI license issuance. Our team of experienced Chartered Accountants (CAs) and Company Secretaries (CSs) has successfully registered over 100 NBFCs across various categories.
What is NBFC Registration?
NBFC Registration is the process of obtaining a Certificate of Registration (CoR) from the Reserve Bank of India to operate as a Non-Banking Financial Company. This license authorizes the company to engage in financial activities like lending, investment, and other specified financial services.
Key aspects of NBFC Registration:
Mandatory Requirement: No company can carry on NBFC business without RBI registration.
Principal Business Criteria: Financial activity must be the principal business (assets > 50% and income > 50%).
Capital Requirement: Minimum NOF of ₹10 crore for most categories.
Regulatory Oversight: Registered NBFCs are subject to RBI's prudential norms and supervision.
Payment System:
NBFCs are not part of the payment and settlement system.
Deposit Insurance:
NBFC deposits are not covered by DICGC insurance.
CRR/SLR:
NBFCs are not required to maintain CRR and SLR.
Important RBI Requirement!
Operating as an NBFC without RBI registration is punishable with imprisonment up to 5 years and a fine up to ₹25 crore. The RBI conducts regular checks and takes strict action against unregistered entities conducting NBFC business.
Types of NBFCs Based on Activity:
RBI has classified NBFCs into various categories based on their principal business activity:
NBFC-ICC (Investment and Credit Company):
The most common type, engaged in lending (asset finance, loan against securities) and investment activities.
Minimum NOF: ₹10 crore.
NBFC-MFI (Micro Finance Institution):
Provides microfinance to low-income borrowers. At least 85% of assets must be qualifying assets.
Minimum NOF: ₹5 crore (₹7 crore in North-East).
NBFC-Factor:
Engaged in factoring business - purchasing receivables. At least 50% of assets and income from factoring.
Minimum NOF: ₹10 crore.
NBFC-P2P (Peer to Peer Lending Platform):
Provides an online marketplace for lenders and borrowers. Cannot provide credit enhancement.
Minimum NOF: ₹2 crore.
NBFC-AA (Account Aggregator):
Provides consent-based financial data sharing services under AA framework.
Minimum NOF: ₹2 crore.
What Are the Key Features of Our NBFC Registration Service?
Our NBFC Registration Services are designed for maximum success with RBI. Here's what makes IncorpX the preferred choice:
1. Category Assessment
We help identify the right NBFC category based on your business model and target market.
2. Company Setup
If needed, we incorporate a company with NBFC-compliant MOA and capital structure.
3. Business Plan
Comprehensive business plan preparation as per RBI requirements and expectations.
4. Capital Planning
Guidance on NOF calculation, capital infusion, and fund source documentation.
5. RBI Application
Expert preparation and submission of application on COSMOS portal.
6. Director Vetting
Assistance with director fit and proper criteria compliance and declarations.
7. Query Handling
Comprehensive response to RBI queries and additional information requests.
8. Policy Framework
Preparation of Fair Practice Code, KYC Policy, and other required policies.
9. License Issuance
End-to-end support till Certificate of Registration is issued by RBI.
10. Post-Registration
Guidance on post-registration compliance and operational requirements.
Benefits of NBFC Registration in Gandhinagar:
Registering as an NBFC opens up significant business opportunities. Here are the key benefits:
Legal Lending Business
Operate a legitimate lending business with RBI approval and regulatory backing.
Access to Funding
Raise funds from banks, FIs, and capital markets. Issue NCDs and commercial paper.
Credibility
RBI registration provides credibility and trust with borrowers, investors, and partners.
Regulatory Framework
Operate within a clear regulatory framework with defined guidelines and protections.
Business Scalability
Scale your lending business across India with proper licensing and infrastructure.
Priority Sector Lending
NBFCs can lend to priority sectors and underserved segments with government support.
Launch your financial services business today!
NBFC Categories - Capital & Requirements Comparison:
Different NBFC categories have different requirements. Here's a comprehensive comparison:
NBFC Category
Minimum NOF
Principal Business
Special Requirements
NBFC-ICC
₹10 crore
Lending & Investment
General lending, most flexible
NBFC-MFI
₹5 crore
Microfinance Lending
85% qualifying assets, income limits
NBFC-P2P
₹2 crore
Online P2P Platform
Cannot lend own funds, escrow required
NBFC-AA
₹2 crore
Data Aggregation
Cannot store data, consent-based only
NBFC-Factor
₹10 crore
Factoring Business
50% from factoring, TReDS participation
HFC
₹25 crore
Housing Finance
60% in housing loans, NHB regulated
Eligibility Criteria for NBFC Registration in Gandhinagar:
Company registered under Companies Act, 2013
Minimum Net Owned Fund as per category
Objects clause permitting NBFC activities
Directors meeting fit and proper criteria
Clean CIBIL record of promoters/directors
Legitimate source of capital funds
Adequate infrastructure and IT systems
Viable business plan
Complete Document Checklist for NBFC Registration:
Proper documentation is critical for RBI approval. Here's the comprehensive checklist:
Category
Documents Required
Purpose
Company Documents
COI, MOA, AOA, PAN, Board Resolution
Company identity and authority
Director Documents
PAN, Aadhaar, CIBIL, Net Worth Certificate
Fit and proper compliance
Capital Documents
CA Certificate for NOF, Bank Statements, Source of Funds
Capital adequacy proof
Business Documents
Business Plan, Revenue Projections, Product Structure
Viability assessment
Infrastructure
Office Proof, IT Infrastructure Details
Operational capability
Policies
FPC, KYC Policy, IT Policy, Outsourcing Policy
Regulatory compliance
NBFC Registration Process - Step by Step in Gandhinagar:
We follow a systematic approach to ensure successful NBFC registration:
Step 1: Initial Consultation
We analyze your business model, target market, and determine the appropriate NBFC category (ICC, MFI, P2P, etc.).
Step 2: Company Incorporation
If not already incorporated, we set up a Private or Public Limited Company with NBFC-compliant objects clause.
Step 3: Capital Infusion
Guide the infusion of minimum NOF with proper documentation of source of funds from promoters.
Step 4: Document Preparation
Prepare comprehensive application including business plan, policies, director declarations, and supporting documents.
Step 5: RBI Application
Submit application on RBI's COSMOS portal with all required documents and prescribed fees.
Step 6: RBI Processing
RBI reviews application, may raise queries. We handle all query responses and provide clarifications.
Step 7: License Issuance
Upon successful review, RBI issues Certificate of Registration. We assist with post-registration compliance setup.
Expert guidance for successful RBI approval!
Post-Registration Compliance for NBFCs:
Once registered, NBFCs must maintain ongoing compliance with RBI. Here are the key requirements:
Compliance
Frequency
Due Date
NBS-1 (Quarterly Return)
Quarterly
Within 15 days of quarter end
NBS-2 (Prudential Norms)
Quarterly
Within 15 days of quarter end
NBS-3 (Auditor Certificate)
Annually
Within 30 days of AGM
Statutory Audit
Annually
Within 6 months of FY end
CRAR Maintenance
Continuous
Minimum 15%
ALM Returns
Monthly/Quarterly
Based on asset size
Why Choose IncorpX for NBFC Registration in Gandhinagar?
Starting an NBFC involves multiple regulatory requirements. We've compiled answers to the most frequently asked questions to help you understand the NBFC registration process.
These FAQs cover eligibility, capital requirements, timelines, and compliance requirements for NBFCs.
NBFC (Non-Banking Financial Company) is a company registered under the Companies Act that engages in the business of loans, advances, acquisition of securities, leasing, hire-purchase, or insurance business. NBFCs must be registered with RBI to operate legally.
The minimum Net Owned Fund (NOF) varies by category:
NBFC-ICC: ₹10 crore
NBFC-MFI: ₹5 crore (₹7 crore in North-East)
NBFC-P2P: ₹2 crore
NBFC-AA: ₹2 crore
HFC: ₹25 crore
NBFC registration typically takes 4-6 months from application submission to license issuance. The timeline depends on completeness of application, RBI's query response time, and overall application load.
Yes. Both Private Limited and Public Limited companies can apply for NBFC registration. The company must be incorporated under the Companies Act with objects clause permitting NBFC activities.
Net Owned Fund (NOF) is the paid-up equity capital plus free reserves, minus accumulated losses, deferred revenue expenditure, and intangible assets. It's the key capital metric for NBFC registration and ongoing compliance.
NBFC-ICC (Investment and Credit Company) is the most common NBFC category. It can engage in lending (loans, advances, asset finance) and investment in securities. Minimum NOF requirement is ₹10 crore.
NBFC-MFI (Micro Finance Institution) is an NBFC that provides microfinance loans to low-income borrowers. At least 85% of its net assets must be "qualifying assets" (small loans to low-income borrowers).
Operating as an NBFC without RBI registration is punishable with imprisonment up to 5 years and fine up to ₹25 crore. RBI actively monitors and takes action against illegal NBFCs.
Only select NBFCs with specific RBI approval can accept public deposits. Most new NBFCs are registered as NBFC-ND (Non-Deposit) and cannot accept public deposits. They can only borrow from banks and FIs.
COSMOS (Centralized Information Management System) is RBI's online portal for NBFC registration and supervision. All NBFC applications, returns, and compliance filings are submitted through this portal.
Directors must meet the fit and proper criteria. They should have clean CIBIL records, no criminal cases, relevant experience, and must not be directors on the boards of too many companies. Detailed declarations are required.
Fair Practice Code is a mandatory policy that NBFCs must adopt. It covers loan application procedures, interest rate disclosure, loan recovery practices, and grievance redressal mechanism as per RBI guidelines.
Yes, foreign nationals can be directors in an NBFC, subject to FDI norms. However, at least one director should be resident in India. FDI up to 100% is permitted in most NBFC categories under automatic route.
If rejected, you can address the reasons for rejection and reapply after a cooling-off period. RBI usually provides detailed reasons. IncorpX helps analyze rejections and prepare stronger reapplications.
CRAR (Capital to Risk-weighted Assets Ratio) is a capital adequacy measure for NBFCs. Most NBFCs must maintain minimum CRAR of 15%. It ensures NBFCs have adequate capital for their risk exposure.
Yes. An existing company can convert to NBFC by amending its objects clause, infusing required capital, and applying for RBI registration. The company should not have been engaged in non-financial activities previously.
RBI charges an application fee of ₹10,000 for NBFC registration. This is non-refundable and must be paid at the time of application submission through the COSMOS portal.
Yes. All NBFCs must undergo annual statutory audit by a Chartered Accountant. The auditor must certify compliance with RBI norms. Internal audit is also mandatory for NBFCs above certain thresholds.
IncorpX's NBFC registration package starts at ₹49,999 (excluding government fees and capital). This includes complete application support, documentation, RBI liaison, and query handling till license issuance.
Getting started is simple:
Contact us for initial consultation
We assess your business model and recommend NBFC category
Incorporate company (if needed) and infuse capital
