NBFC Registration Assistance in India — Expert RBI Regulatory Licensing Advisory & Support
A dedicated CA, CS, and legal team manages your entire NBFC registration — structuring, documentation, RBI filing, and post-registration compliance — with transparent pricing and honest timelines at every stage.
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100+
NBFCs Incorporated
50+
Licenses Delivered
10+
Years of Experience
98%
Success Rate*
24x7
Expert Support
*Application success rate across NBFC registration filings we've managed end to end. Final approval rests with RBI's discretion.
Why Founders Choose Bharat Cred
One Dedicated Team
CA, CS, and legal coordination under one point of contact — not passed between departments.
Transparent Pricing
Scoped and discussed upfront, before you commit to anything. No hidden charges later.
Real, Named Case Studies
Written by the team that actually files this paperwork — not generic marketing copy.
Support After the License
The same team stays on for ongoing RBI compliance — not a one-time handoff.
Is NBFC Registration Assistance Right for You?
RBI's definition of an NBFC is specific — not every financial-sounding business qualifies, and not every qualifying business needs a full NBFC license. Here's a quick, honest read before you commit to the process.
This is likely a good fit if:
- Your business's principal activity is lending, investment, or asset finance
- More than 50% of your assets and income already come (or will come) from financial activity
- You can meet RBI's ₹10 crore Net Owned Fund requirement, or plan to structure toward it
- You want to own the license yourself, or are open to takeover / Plug & Play alternatives
Worth a conversation first if:
- Your core business is agriculture, industrial activity, goods trading, or real estate
- You're only exploring insurance or stock broking — those sit under a different regulator
- You're not yet sure whether you clear RBI's "50-50" financial-activity test
Not sure which bucket you fall into? Use the eligibility check below, or talk to our team directly — no cost, no obligation.
What RBI Actually Checks Before Approving Your Application
Four things decide most applications. We review your position against all four before we ever file, so nothing surfaces as a surprise mid-review.
Net Owned Fund
₹10 crore for new NBFC-ICC, NBFC-MFI, and NBFC-Factor registrations under RBI's Scale-Based Regulation framework — your own capital, not a fee.
Promoter & Director Profile
RBI weighs financial-sector experience and a clean credit history for promoters and directors closely, alongside capital.
Business Plan Quality
A credible, specific 5-year plan for your actual business — RBI can tell a generic template apart from a real one.
Fit-and-Proper Compliance
Board composition, policies, and disclosures that meet RBI's fit-and-proper criteria before filing, not patched together after a query.
Not sure where you stand on these four?
Tell us your NBFC type, capital, and promoter background on a short call — we'll give you a direct read, not a generic checklist.
Four Steps, One Point of Contact Throughout
Not RBI's regulatory pipeline -- what actually happens on our side of the engagement, from your first call to your first day of operations.
Assess
We review your business model, capital position, and promoter profile against RBI's actual current requirements.
Structure & Draft
Entity structure, business plan, and every policy and disclosure RBI expects, prepared and reviewed with you.
File & Liaise
We file with RBI and manage every clarification and follow-up until RBI reaches its decision.
Support After
Once RBI issues your Certificate of Registration, we hand over a compliance calendar so operations start immediately.
Documents, Investment, and Timeline — No Guessing
What you'll need, what it costs, and how long it takes — stated plainly, before you commit to anything.
Documents, Grouped
Company
- Certificate of Incorporation, MOA & AOA
- Office address proof
Financial
- Net worth certificates of directors & shareholders
- Bankers' report and net owned fund certificate
- Auditor's certificate on capital structure
People
- KYC of directors and shareholders
- Board resolutions and fit-and-proper declarations
Policy
- Detailed business plan / project report
- Board-approved credit policy
What It Actually Costs
Regulatory Capital (Net Owned Fund)
₹10 crore+
Stays in your company as capital — not a fee paid to anyone.
Professional & Registration Fees
₹15–18 lakh
All-in — RBI/regulatory processing plus full consultant support. Confirmed exactly on your assessment call.
3 Phases, 4–6 Months
Month 1–2
Structuring & Filing
Entity structure, business plan, and every policy and disclosure RBI requires, drafted and filed.
Month 3–5
RBI Review
RBI's own due-diligence cycle — the largest single stretch, and where a complete first filing saves the most time.
Month 5–6+
Certificate Issued
Once RBI is satisfied, your Certificate of Registration is issued and you're cleared to start lending operations.
RBI's review is separate and outside any consultant's direct control — a clean, complete application is what actually avoids delays, and that's what we control.
Register New, Take Over, or Plug & Play?
All three land you with NBFC-backed lending capability — which one fits depends on your timeline, budget, and whether you actually need to own the license yourself. Tell us in the form above and we'll tell you which one fits.
| Criteria | Register New | Takeover | Plug & Play |
|---|---|---|---|
| Own RBI CoR | Yes | Yes | Depends on structure |
| Time to market | 4–6 months | Often faster, post-diligence | Often faster |
| Capital requirement | ₹10 crore+ NOF | ₹10 crore+ NOF (existing entity) | Structure-dependent |
| Best for | Full control, building your own brand from zero | Speed, willing to inherit and audit an existing entity | Starting to lend without committing to full ownership yet |
Not sure which route fits your goals?
What a Strong NBFC Application Gets Right
RBI reviews every application for regulatory soundness, promoter credibility, and financial readiness. These five things are where most applications either hold up or fall apart -- we check all five before we ever file.
Documentation that matches, line for line
Every figure consistent across financial statements and application forms — no mismatches for RBI to query.
Net Owned Fund confirmed upfront
Capital that clears RBI's current threshold for your NBFC category, checked before filing, not discovered after.
A business plan built for your business
Specific and credible for what you're actually building — RBI can tell a generic template apart from a real plan.
Directors who meet RBI's bar
The financial-sector experience RBI expects on your board, positioned clearly in the filing.
A clean promoter credit history
CIBIL and related checks resolved for key promoters and shareholders before RBI ever looks.
Why this matters beyond a faster approval
A rejection doesn't just cost months on your timeline — it can affect how RBI views a future application from the same promoters. RBI also treats unlicensed NBFC activity seriously, with penalties that can include fines and, in some cases, action against directors. Getting the five things above right from the start protects the people running the business, not just the paperwork.
A Recent Client Outcome
Not a rating widget — a named, readable account of how we've done this before.
NBFC Setup
From Idea to RBI-Registered NBFC in Record Time
Challenge
A founding team with a strong consumer-lending product had no in-house regulatory expertise and faced a tight runway to launch before their funding window closed.
Outcome
- Ahead of schedule — License secured
- Zero re-filings — Regulatory queries
- Within weeks of registration — Time to first disbursal
Frequently Asked Questions
Ready to Start Your NBFC Journey?
Talk to our RBI experts and get a clear roadmap for your NBFC registration.
or Call Now: +91 92895 67208