NBFC Company Registration Process | NBFC Company Registration Process

 

NBFC Company Registration Process | NBFC Company Registration Process

In India’s fast-growing financial sector, Non-Banking Financial Companies (NBFCs) play a crucial role in delivering credit, investment, and financial services beyond the reach of traditional banks. If you're an entrepreneur or investor looking to enter the financial services industry, understanding the NBFC company registration process is essential.

In this blog, we provide a step-by-step guide to the nbfc company registration process, the eligibility criteria, required documents, and how Corpzo can help you navigate the legal complexities with ease.

What is an NBFC?

A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 2013, that provides financial services such as loans, asset financing, investment in securities, leasing, hire purchase, and more—but does not hold a banking license. NBFCs are regulated by the Reserve Bank of India (RBI) under the RBI Act, 1934.

Why Start an NBFC?

  • High demand for alternative lending platforms

  • Lucrative ROI from financial activities

  • Flexibility in financial product offerings

  • Opportunity to serve underserved sectors like MSMEs, rural customers, etc.

With the right structure and regulatory compliance, NBFCs can scale quickly and profitably.

NBFC Company Registration Process in IndiaNBFC Company Registration Process | NBFC Company Registration Process

Here’s a complete overview of the nbfc company registration process:

Step 1: Register a Company

  • First, register a private limited company or public limited company under the Companies Act, 2013.

  • Ensure the main object clause in the Memorandum of Association (MoA) is related to financial services.

Step 2: Meet Minimum Capital Requirement

  • Maintain a minimum Net Owned Fund (NOF) of ₹2 Crores.

  • The funds must be deposited in the company’s bank account and verified by a CA.

Step 3: Prepare Necessary Documents

  • Incorporation Certificate

  • MoA & AoA

  • Net worth certificate

  • Banker’s report

  • Directors' profiles and KYC

  • Business plan and future projections

  • Income tax returns

  • Organizational structure and internal controls

Step 4: Apply for RBI Registration

  • File an application online through the RBI COSMOS portal.

  • Upload all necessary documents and declarations.

  • Submit a hard copy to the Regional Office of RBI.

Step 5: RBI Due Diligence and Approval

  • RBI will examine the application, check the company’s structure, background of directors, and compliance preparedness.

  • If satisfied, RBI issues the Certificate of Registration (CoR) under Section 45-IA of the RBI Act.

How Corpzo Helps

The nbfc company registration process is detailed, time-sensitive, and requires regulatory expertise. At Corpzo, we offer end-to-end NBFC registration services, including:

  • Company incorporation

  • Capital structuring

  • Preparing and filing RBI application

  • Compliance with RBI guidelines

  • Post-registration support and advisory

With a proven track record in NBFC setup and licensing, Corpzo ensures your application is strong, complete, and compliant from day one.

Final Thoughts

Entering the financial services space through an NBFC is a promising venture—but only if the legal groundwork is solid. The nbfc company registration process involves technical documentation, strict financial norms, and regulatory scrutiny. Let the experts at Corpzo guide you through every step for a smooth and successful registration.

Start your NBFC registration today at www.corpzo.com

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