{"id":34111,"date":"2026-02-10T15:38:01","date_gmt":"2026-02-10T10:08:01","guid":{"rendered":"https:\/\/www.legalraasta.com\/blog\/?p=34111"},"modified":"2026-04-03T17:10:59","modified_gmt":"2026-04-03T11:40:59","slug":"start-finance-company-india","status":"publish","type":"post","link":"https:\/\/www.legalraasta.com\/blog\/start-finance-company-india\/","title":{"rendered":"Start a Finance Company in India: RBI NBFC Registration &amp; Capital Requirements"},"content":{"rendered":"<p style=\"text-align: justify\"><span style=\"font-weight: 400\">For the new entrepreneurs, starting a finance company in India is an exciting journey. But still, to start it requires careful planning, adherence to compliance, and a solid blueprint of the finance company registration in India. The individuals who are thinking of entering the financial sector must go through the requirements of <\/span><a href=\"https:\/\/www.legalraasta.com\/nbfc-registration\/\"><span style=\"font-weight: 400\">NBFC registration<\/span><\/a><span style=\"font-weight: 400\"> in India and approval from the RBI (Reserve Bank of India). This thorough guide will examine the capital requirements and the registration process for finance companies.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.legalraasta.com\/blog\/start-finance-company-india\/#What_Is_a_Finance_Company_in_India\" title=\"What Is a Finance Company in India?\">What Is a Finance Company in India?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.legalraasta.com\/blog\/start-finance-company-india\/#Why_Does_a_Finance_Company_Need_RBI_Registration\" title=\"Why Does a Finance Company Need RBI Registration?\">Why Does a Finance Company Need RBI Registration?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.legalraasta.com\/blog\/start-finance-company-india\/#The_Financing_Company_Registration_Legal_Framework\" title=\"The Financing Company Registration Legal Framework\">The Financing Company Registration Legal Framework<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.legalraasta.com\/blog\/start-finance-company-india\/#The_Types_of_NBFCs_in_India\" title=\"The Types of NBFCs in India\">The Types of NBFCs in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.legalraasta.com\/blog\/start-finance-company-india\/#What_Documents_Are_Required_for_Finance_Company_Registration\" title=\"What Documents Are Required for Finance Company Registration?\">What Documents Are Required for Finance Company Registration?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.legalraasta.com\/blog\/start-finance-company-india\/#How_to_Register_a_Finance_Company_in_India\" title=\"How to Register a Finance Company in India?\">How to Register a Finance Company in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.legalraasta.com\/blog\/start-finance-company-india\/#How_Much_Capital_Is_Required_for_NBFC_Registration\" title=\"How Much Capital Is Required for NBFC Registration?\">How Much Capital Is Required for NBFC Registration?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.legalraasta.com\/blog\/start-finance-company-india\/#NBFC_Registration_Process_How_Long_Does_It_Take\" title=\"NBFC Registration Process: How Long Does It Take?\">NBFC Registration Process: How Long Does It Take?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.legalraasta.com\/blog\/start-finance-company-india\/#Different_Costs_Involved_with_Registering_an_NBFC_In_India\" title=\"Different Costs Involved with Registering an NBFC In India\">Different Costs Involved with Registering an NBFC In India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.legalraasta.com\/blog\/start-finance-company-india\/#What_is_Post-Registration_Compliance\" title=\"What is Post-Registration Compliance?\">What is Post-Registration Compliance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.legalraasta.com\/blog\/start-finance-company-india\/#The_Common_Mistakes_to_Avoid_during_NBFC_Registration\" title=\"The Common Mistakes to Avoid during NBFC Registration\">The Common Mistakes to Avoid during NBFC Registration<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.legalraasta.com\/blog\/start-finance-company-india\/#Final_Discussion_Roadmap_to_Launch_a_Finance_Company_in_India\" title=\"Final Discussion: Roadmap to Launch a Finance Company in India\u00a0\">Final Discussion: Roadmap to Launch a Finance Company in India\u00a0<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.legalraasta.com\/blog\/start-finance-company-india\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: justify\"><span class=\"ez-toc-section\" id=\"What_Is_a_Finance_Company_in_India\"><\/span><b>What Is a Finance Company in India?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">A finance company in India is nothing but a type of company that offers financial services (products and services) such as loans, advances, investment activities, asset financing, and credit facilities. Under the <\/span><a href=\"https:\/\/en.wikipedia.org\/wiki\/Reserve_Bank_of_India_Act,_1934\"><span style=\"font-weight: 400\">Reserve Bank of India Act of 1934<\/span><\/a><span style=\"font-weight: 400\">, the RBI regulates the non-banking financial companies (NBFCs) that make up India&#8217;s finance industry.\u00a0<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">However, the NBFCs are restricted from accepting demand deposits or participating in payment systems. For example, such finance companies cannot issue checks but can serve a crucial role in issuing credit to underserved markets and supporting financial inclusion.\u00a0<\/span><\/p>\n<h3 style=\"text-align: justify\"><span class=\"ez-toc-section\" id=\"Why_Does_a_Finance_Company_Need_RBI_Registration\"><\/span><b>Why Does a Finance Company Need RBI Registration?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">NBFC registration in India is mandatory to operate as a finance company lawfully. Registration is a legal process to obtain permission from the RBI that clarifies you meet all regulatory capital and management requirements. You must first register your financing company with the RBI if you want to operate an NBFC business in India. Under Section 45-IA of the RBI Act, 1934, registering a financing company guarantees customer protection. The following are some of the key reasons you must register with the RBI:\u00a0<\/span><\/p>\n<ul style=\"text-align: justify\">\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The RBI requires all NBFCs to have a certificate of registration to conduct financial services, as stated in Section 45-IA of the RBI Act, 1934. Without registration, no NBFC shall initiate or continue to conduct business as a financing company.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Registration demonstrates that the financing company is financially strong and will provide a safe place for customers to deposit money and to whom to lend money and invest.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The RBI monitors the minimum capital requirements for all financing companies. For example, financing companies must have a minimum N.O.F. of \u20b910 crores.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Fair Practice Codes, which the RBI issues, protect the borrowers.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: justify\"><span class=\"ez-toc-section\" id=\"The_Financing_Company_Registration_Legal_Framework\"><\/span><b>The Financing Company Registration Legal Framework<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">The Financing Company operates under a well-defined legal framework in India under the provisions of the RBI Act, 1934, specifically under Section 45-IA. The key laws and rules pertaining to this issue are as follows:<\/span><\/p>\n<ul style=\"text-align: justify\">\n<li style=\"font-weight: 400\"><b>Companies Act, 2013:<\/b><span style=\"font-weight: 400\"> This law governs the incorporation, management, and compliance of various kinds of companies (both private and publicly traded).<\/span><\/li>\n<li style=\"font-weight: 400\"><b>RBI Act, 1935 (Section 45-IA):<\/b><span style=\"font-weight: 400\"> This legislation imposes rules and regulations that will require every NBFC to obtain a Certificate of Registration (CoR) from the RBI to operate legally.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Reserve Bank of India Directions, 2023:<\/b><span style=\"font-weight: 400\">\u00a0 This set of rules offers an overall framework for various types of NBFCs.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Foreign Exchange Management Act (FEMA), 1999: <\/b><span style=\"font-weight: 400\">It regulates foreign investments (FDI) in financial institutions.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">In India, finance companies can operate only as NBFCs after RBI approval and the issuance of a CoR. This is required to bring stability, accountability, and customer protection to the financial service ecosystem.\u00a0<\/span><\/p>\n<h3 style=\"text-align: justify\"><span class=\"ez-toc-section\" id=\"The_Types_of_NBFCs_in_India\"><\/span><b>The Types of NBFCs in India<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Before applying for finance <\/span><a href=\"https:\/\/www.legalraasta.com\/\"><span style=\"font-weight: 400\">company registration in India<\/span><\/a><span style=\"font-weight: 400\">, it is crucial to acknowledge what type of NBFC you are going to establish. Some common categories include:\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p><b>Category<\/b><\/p>\n<\/td>\n<td>\n<p><b>Features\u00a0<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400\">NBFC-Investment and Credit Company (NBFC-ICC)<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400\">Active in loans, credit, investments, &amp; other financial services.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400\">NBFC-MFI (Microfinance Institution)<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400\">Concentrate on microloans to low-income households.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400\">NBFC-Factors<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400\">Engage in receivables and factoring services.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400\">Asset Finance Company (AFC)<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400\">Offers financing for physical assets like vehicles and machinery.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400\">Infrastructure Finance Company (IFC)<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400\"> Provides credit facilities to infrastructure projects.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400\">NBFC-Peer-to-Peer Platform (P2P)<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400\"> Facilitates lending between individuals.\u00a0<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">A suitable NBFC type decides the regulatory requirements, business layout, and capital needs.\u00a0<\/span><\/p>\n<h3 style=\"text-align: justify\"><span class=\"ez-toc-section\" id=\"What_Documents_Are_Required_for_Finance_Company_Registration\"><\/span><b>What Documents Are Required for Finance Company Registration?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">For NBFC finance registration in India, it is required to submit several documents under the Companies Act. Providing the right, precise, and up-to-date documents is important. The following is the paperwork you need to provide:<\/span><\/p>\n<p style=\"text-align: justify\"><b>Company Registration Proof<\/b><\/p>\n<ul style=\"text-align: justify\">\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Certificate of Incorporation (COI)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Memorandum of Association (MOA) and Articles of Association (AOA)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Digital Signature Certificate (DSC) for all directors<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Director Identification Number (DIN)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">PAN Card of the company\/entity<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify\"><b>Director &amp; Shareholder Information<\/b><\/p>\n<ul style=\"text-align: justify\">\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">PAN Card<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Identity Proof: Aadhar Card, Voter ID, Passport, or Driving License<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Address Proof: Bank Statement, Electricity Bill, or Telephone Bill (not older than 2 months)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Recent Passport-size Photographs<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Credit Report (CIBIL) of directors<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify\"><b>Financial &amp; Operational Proof&#8217;<\/b><\/p>\n<ul style=\"text-align: justify\">\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Net Worth Certificate of directors and shareholders<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Banker&#8217;s Report\/Certificate of &#8220;No Lien&#8221; on fixed deposits<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Auditor&#8217;s report confirming Minimum Net Owned Funds (e.g., \u20b92 Cr or \u20b95 Cr based on type)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Board Resolution for RBI registration and fair practices code<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Detailed Business Plan for the next 3-5 years<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify\"><b>Registered Office Address Proof<\/b><\/p>\n<ul style=\"text-align: justify\">\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Electricity\/Utility bill of the registered office<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Rent Agreement and No Objection Certificate (NOC) from the owner if rented<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Ownership documents (if owned)\u00a0<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: justify\"><span class=\"ez-toc-section\" id=\"How_to_Register_a_Finance_Company_in_India\"><\/span><b>How to Register a Finance Company in India?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Examining the RBI&#8217;s rules and regulations is essential when considering starting a non-banking financial company in India. Here is a step-by-step guide for the registration of a finance company.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p><b>Steps\u00a0<\/b><\/p>\n<\/td>\n<td>\n<p><b>Requirements\u00a0<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><b>Step 1: Incorporate the Company\u00a0<\/b><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400\">Under the Companies Act, 2013, you must incorporate your entity as a Private Limited Company or a Public Limited Company. Once the company is incorporated, you will get a Certificate of Incorporation from the Registrar of Companies (RoC).\u00a0<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><b>Step 2. Prepare a Detailed Business Plan<\/b><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400\">As per RBI guidelines, the applicants must submit a complete, detailed business plan that covers:<\/span><\/p>\n<p><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">objectives and mission of the finance company.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Products and services that want to operate<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A marketing strategy leads to customer segment revenue projections.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Risk management and governance frameworks.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Your firm\u2019s business plan should demonstrate both the viability of your business and pass any necessary scrutiny.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><b>Step 3: Fulfill Management and Capital Needs<\/b><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400\">One of the most important things a company must do when registering in India is to fulfill the capital and management requirements set out by the Reserve Bank of India (RBI). The following primary prerequisites shall be fulfilled:\u00a0<\/span><\/p>\n<p><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Net Owned Fund (NOF): <\/b><span style=\"font-weight: 400\">Minimum INR 10 crore consisting of paid-up equity and free reserves.\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<p><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Management Qualifications:<\/b><span style=\"font-weight: 400\"> A minimum of one-third of the directors shall have relevant experience in either risk management, banking, or finance.<\/span><\/li>\n<\/ul>\n<p><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Clean Credit &amp; Legal History:<\/b><span style=\"font-weight: 400\">\u00a0 All officials and\/or officers of the business should have a clean financial history and legal standing.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><b>Step 4. Documents Preparation<\/b><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400\">Certain documents are required for a finance company license in India. Must submit Certificate of Incorporation, MoA &amp; AoA, Board resolution, Net Owned Fund Certificate, KYC and credit reports, and a detailed business plan.\u00a0<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><b>Step 5. Register with RBI\u00a0<\/b><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400\">Must submit the application form on the RBI&#8217;s online COSMOS portal. Often, they are required to attach the hard copies of the supported documents to their regional RBI office.\u00a0<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><b>Step 6. Verification by RBI<\/b><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400\">Once submitted, the RBI thoroughly reviews your application. The process usually involves: Upon application and document submission, the official of the RBI reviews all details, such as technical documents. This stage also includes a background check of all members of the finance company. Often marked as the longest process and can take several months.\u00a0<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><b>Step 7. Issuance of Certificate of Registration<\/b><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400\">The RBI would issue a Certificate of Registration (CoR) if it is satisfied with the application. Obtaining an NBFC license in India will allow you to legally run a finance business.<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 style=\"text-align: justify\"><span class=\"ez-toc-section\" id=\"How_Much_Capital_Is_Required_for_NBFC_Registration\"><\/span><b>How Much Capital Is Required for NBFC Registration?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Completing RBI&#8217;s capital requirements is one of the major steps.<\/span><\/p>\n<p style=\"text-align: justify\"><b>The Net Owned Fund (NOF)<\/b><\/p>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">To register as an NBFC in India, an NBFC&#8217;s NOF must be \u20b910 crores or more for all categories of NBFCs (examples include NBFC-ICC, NBFC-MFI, and NBFC-Factor). The NOF will only include the paid-up equity capital and free reserves. Borrowed funds do not count towards the NOF.<\/span><\/p>\n<p style=\"text-align: justify\"><b>Exceptions in Capital Requirements<\/b><\/p>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">While NBFCs may operate with a limited NOF, there are some exceptions to the rule. Examples are NBFC-P2P and NBFC-AA, which typically will require fewer NOF.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">The sufficient capital ensures that your finance company is financially stable and compliant with the RBI&#8217;s risk-based approaches.\u00a0<\/span><\/p>\n<h3 style=\"text-align: justify\"><span class=\"ez-toc-section\" id=\"NBFC_Registration_Process_How_Long_Does_It_Take\"><\/span><b>NBFC Registration Process: How Long Does It Take?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Documentation completeness and RBI&#8217;s review timeline decide how long it takes to complete the finance company registration in India.\u00a0<\/span><\/p>\n<ul style=\"text-align: justify\">\n<li style=\"font-weight: 400\"><b>Company Incorporation &amp; Capital Setup<\/b><span style=\"font-weight: 400\">: Takes 1\u20132 months<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Business Plan &amp; Documentation<\/b><span style=\"font-weight: 400\">: Around 1\u20132 months<\/span><\/li>\n<li style=\"font-weight: 400\"><b>RBI Review &amp; Clarification<\/b><span style=\"font-weight: 400\">: Takes 3\u20136 months or more<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">The complete process from company registration to securing an RBI license takes almost 4 to 9 months, or can be longer.\u00a0<\/span><\/p>\n<h4 style=\"text-align: justify\"><span class=\"ez-toc-section\" id=\"Different_Costs_Involved_with_Registering_an_NBFC_In_India\"><\/span><b>Different Costs Involved with Registering an NBFC In India<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">While the licensing itself does not have a fixed government fee, there are several costs associated with finance company registration. Here&#8217;s a summary of the costs associated with registering an NBFC:<\/span><\/p>\n<ul style=\"text-align: justify\">\n<li style=\"font-weight: 400\"><b>Minimum Capital Requirement\u2014Rs.<\/b><span style=\"font-weight: 400\"> 2 Crore Net Owned Funds (NoF)<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Reserve Bank of India (RBI) Application Fee\u2014<\/b><span style=\"font-weight: 400\">Non-Refundable (Rs. 30,000)<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Professional\/Consultant Charges\u2014Costs<\/b><span style=\"font-weight: 400\"> Will Vary Based on the Service Type and Experience of Your Consultant.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Documentation and Filing:<\/b><span style=\"font-weight: 400\"> Costs around Rs 50,000 (DIN\/DSC, draft MoA\/AoA, and other MCA fees)<\/span><\/li>\n<\/ul>\n<h4 style=\"text-align: justify\"><span class=\"ez-toc-section\" id=\"What_is_Post-Registration_Compliance\"><\/span><b>What is Post-Registration Compliance?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Once you get the NBFC license in India for your finance company, you are required to meet the ongoing compliance. It includes:<\/span><\/p>\n<ul style=\"text-align: justify\">\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Periodic financial return submission to the RBI.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Maintaining minimum capital adequacy.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Ensuring corporate governance and board reporting.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Compliance with anti-money laundering (AML) and customer protection rules.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Failure to meet the post-finance registration compliance can raise potential challenges like hefty fines and legal penalties.<\/span><\/p>\n<h4 style=\"text-align: justify\"><span class=\"ez-toc-section\" id=\"The_Common_Mistakes_to_Avoid_during_NBFC_Registration\"><\/span><b>The Common Mistakes to Avoid during NBFC Registration<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Often, the finance registration application is rejected by the RBI officials due to major errors. If documents are not accurate, complete, and matched with other paperwork, it leads to the application rejection or delay. The other major reasons the applications are rejected are the weak business plans and lack of clarity or financial projections. misunderstanding NOF components, and not verifying directors\u2019 credit and legal histories in advance.<\/span><\/p>\n<h3 style=\"text-align: justify\"><span class=\"ez-toc-section\" id=\"Final_Discussion_Roadmap_to_Launch_a_Finance_Company_in_India\"><\/span><b>Final Discussion: Roadmap to Launch a Finance Company in India\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Launching a finance company in India can be rewarding when done with the right roadmap and preparation. With NBFC registration in India, your finance company can legally offer financial services under the RBI&#8217;s regulatory framework. No more challenges for you, as LegalRaasta offers a smooth and hassle-free finance company registration roadmap to businesses that want early success. Apply now with LegalRaasta professionals&#8217; assistance!<\/span><\/p>\n<h4 style=\"text-align: justify\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><b>Frequently Asked Questions<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ol style=\"text-align: justify\">\n<li><b> What is finance company registration?<\/b><\/li>\n<\/ol>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Ans. Finance company registration is a legal process to register a business with the RBI as a Non-Banking Financial Company (NBFC) under the Companies Act, 2013.<\/span><\/p>\n<ol style=\"text-align: justify\" start=\"2\">\n<li><b> Why does NBFC company registration matter?<\/b><\/li>\n<\/ol>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Ans. The registered finance businesses with the RBI get the legal authorization to provide loans, advances, and credit services without a full banking license.<\/span><\/p>\n<ol style=\"text-align: justify\" start=\"3\">\n<li><b> How much net owned fund (NOF) is required?<\/b><\/li>\n<\/ol>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Ans. To register an NBFC (Non-Banking Financial Company) in India, the required minimum net operational fund (NOF) is Rs 2-5 crore.\u00a0<\/span><\/p>\n<ol style=\"text-align: justify\" start=\"4\">\n<li><b> Who regulates the NBFC companies in India?<\/b><\/li>\n<\/ol>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Ans. Reserve Bank of India (RBI) is the primary regulatory body that regulates NBFCs across India.<\/span><\/p>\n<ol style=\"text-align: justify\" start=\"5\">\n<li><b> How can I apply online for a finance company registration?<\/b><\/li>\n<\/ol>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Ans. To form an NBFC finance company in India, you must incorporate your business under the Companies Act, 2013, then provide all the supporting documents to the RBI via the COSMOS portal and wait for final approval.\u00a0<\/span><\/p>\n<ol style=\"text-align: justify\" start=\"6\">\n<li><b> In how many days can I open my finance company?<\/b><\/li>\n<\/ol>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Ans. To start a finance company, the registration process takes 4-6 months.<\/span><\/p>\n<ol style=\"text-align: justify\" start=\"7\">\n<li><b> Can my NBFC company accept public deposits?<\/b><\/li>\n<\/ol>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Ans. Only NBFCs specifically authorized by the Reserve Bank of India (RBI) with a valid Certificate of Registration (CoR) explicitly permitting deposit acceptance can accept public deposits.<\/span><\/p>\n<ol style=\"text-align: justify\" start=\"8\">\n<li><b> What registrations are required to start an NBFC company?<\/b><\/li>\n<\/ol>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Ans. Starting a Non-Banking Financial Company (NBFC) in India required the following registration:<\/span><\/p>\n<ul style=\"text-align: justify\">\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Company Incorporation<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">RBI License<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Minimum Net Owned Fund (NOF)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">PAN and other Tax registrations<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Banker&#8217;s report<\/span><\/li>\n<\/ul>\n<ol style=\"text-align: justify\" start=\"9\">\n<li><b> What is the NBFC registration cost?<\/b><\/li>\n<\/ol>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Ans. The fee for NBFC is Rs 300,000, which is non-refundable.\u00a0<\/span><\/p>\n<ol style=\"text-align: justify\" start=\"10\">\n<li><b> How does LegalRaasta help with finance company registration?<\/b><\/li>\n<\/ol>\n<p style=\"text-align: justify\"><span style=\"font-weight: 400\">Ans. LegalRaasta experts assist BFCs, Nidhi companies, and microfinance institutions. They are experts in providing end-to-end online, expert-driven services to secure regulatory approvals.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>For the new entrepreneurs, starting a finance company in India is an exciting journey. But still, to start it requires careful planning, adherence to compliance, and a solid blueprint of the finance company registration in India. The individuals who are thinking of entering the financial sector must go through the requirements of NBFC registration in India [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":34112,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4464,141],"tags":[],"class_list":["post-34111","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-nbfc"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Finance Company Registration \u2013 RBI Approval, Capital &amp; Guide<\/title>\n<meta name=\"description\" content=\"Planning to start a Finance Company Registration? Check RBI registration process, NBFC capital requirements &amp; more. 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