NBFC registration, chosen by business model
Decide whether the venture needs an RBI-regulated balance-sheet licence, a specialised NBFC route, or a compliant partnership model.
- Professional fee
- Written quote
- Working timeline
- Confirmed after regulated-activity, promoter and category-readiness assessment
- Government charges
- Shown before payment
Built for
Finance and fintech founders
Best when
Flow of funds is defined
Where does the money
and risk sit?
The role your company plays determines whether and how RBI regulation applies.
Balance-sheet lending
The company funds loans or financial assets and carries the regulated exposure itself.
P2P platform
The platform facilitates eligible peer-to-peer lending under a specialised framework.
Account Aggregator
The consent-driven financial-data business follows its own narrow, specialised NBFC route.
Fintech or LSP
Technology and service partnerships are mapped without presenting a partner’s licence as your own.
RBI NBFC Registration
Activity. Capital. Governance. Trust.
There is no one-size-fits-all NBFC licence.
Category, activity, capital and compliance differ materially. Company incorporation alone does not authorise RBI-regulated financial business.
What you receive,
ready to use.
We classify the proposed financial activity, compare relevant NBFC categories and separate a regulated balance-sheet business from a fintech service or lending-partner model.
properly classified.LEND · ENABLE · REPORT
Regulated-activity and exemption assessment
NBFC category comparison
Entity, promoter and capital readiness map
Governance, policy and technology gap plan
Application and continuing-compliance roadmap
What must be
in place.
A company incorporated under the Companies Act where the selected RBI route requires that form.
A business model satisfying the regulatory perimeter and principal-business analysis applicable to its activities.
Current category-specific net-owned-fund or capital eligibility from traceable sources.
Promoters, directors and key management meeting fit-and-proper and financial-integrity expectations.
A credible business plan supported by governance, risk, compliance, technology, customer-protection and reporting arrangements.
Promoter integrity, traceable capital, governance and a credible operating plan are substantive requirements—not paperwork added at filing.
Choose by the regulated role
A balance-sheet lender, marketplace and data intermediary do fundamentally different things.
| Decision | Conventional NBFC | NBFC-P2P | Account Aggregator |
|---|---|---|---|
| Core role | Lend or invest on own balance sheet | Facilitate eligible peer loans | Transmit consented financial data |
| Key readiness | Capital, underwriting and prudential controls | Platform, participant and escrow controls | Consent, technology and data controls |
| Critical limit | Approved financial activity | No balance-sheet lending | No transaction support or data use beyond framework |
From financial model to
regulatory readiness.
The activity and flow of funds are classified before entity or capital commitments are recommended.
Regulatory perimeter
Step 1
We handle
Map lending, investment, intermediation, platform, data and revenue activities.
You provide
Share the product journey, flow of funds, balance-sheet role and partner model.
Category decision
Step 2
We handle
Compare conventional and specialised NBFC paths plus lawful non-NBFC alternatives.
You provide
Confirm target customers, products, geography, funding and growth plan.
Readiness architecture
Category specific
We handle
Assess company, ownership, capital, people, policies, systems and financial projections.
You provide
Provide promoter evidence and commit the required governance and resources.
Application and scrutiny
RBI controlled
We handle
Prepare the selected PRAVAAH application and coordinate factual clarifications and evidence.
You provide
Authenticate declarations, preserve capital and demonstrate operational readiness.
Regulated launch
After registration
We handle
Map prudential, conduct, reporting, audit and technology obligations.
You provide
Begin only permitted activities and maintain continuing eligibility.
A checklist without
the back-and-forth.
We ask only for records or data relevant to your application, review, or audit scope.
- Certificate and constitutional records
- Ownership and group structure
- Director and promoter profiles and declarations
- Source-of-funds and financial-integrity evidence
Before you begin
Use clear PDF, JPG, or PNG files.
Keep address records recent and readable.
Transparent fees,
before you commit.
Each registration carries its own government fee, and some are state-specific. We quote the exact combination for your business before any work begins.
Your written quote covers
- — Regulatory perimeter
- — Category decision
- — Readiness architecture
- — Application and scrutiny
- — Regulated launch
Not included automatically
- — Required net owned fund, capital or statutory financial resources
- — Government, regulator or portal charges if prescribed for the selected route
- — Technology, cybersecurity, bureau, KYC and infrastructure costs
- — Directors, key management, auditors, legal opinions and independent certifications
Costs that can repeat
- — RBI returns and prudential reporting
- — Audit, KYC, fair-practices and customer-protection compliance
- — Capital, liquidity, provisioning and asset-quality monitoring where applicable
- — Cybersecurity, outsourcing, grievance and governance reviews
Registration granted,
supervision begins.
Prudential, conduct, reporting, audit, KYC, technology and customer-protection duties continue throughout operations.
Financial eligibility
Continuously
Maintain the capital, net-owned-fund and prudential position applicable to the registered category.
Regulatory returns
As prescribed
Return sets and frequency depend on category, layer, asset size and activity.
Governance and conduct
Ongoing
Maintain KYC, fair practices, disclosures, grievance, outsourcing and board oversight.
Material change
Before or promptly after change
Ownership, control, management, product and structure changes can require notice or prior approval.
Got questions?
We’ve got answers.
Get clarity on regulated activities, categories, capital, promoters, RBI scrutiny, fintech partnerships and continuing compliance.
Still deciding?
AI CA can compare structures around cost, risk, compliance, and funding.