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NBFC Registration 2026
India’s No. 1 NBFC Registration Service Provider
Experience a smooth and hassle-free NBFC Registration with Avinext Legal Services. Our professionals handle the entire process with accuracy and compliance.
- Quickest Registration in India
- Setting up Business Plans & Policies
- Drafting Financial Services
- Legal Consultancy At Every Step & more
- Free Consultations Lifetime
- Lowest Price
- 100% Customer Satisfaction
- Ideal for Micro small and medium enterprises
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NBFC Registration 2026 Guide: Step by Step
Share Company & Promoters Details
Share your company information including promoters, directors, capital structure and business model so that we can assess eligibility for NBFC registration under RBI guidelines.
Company Incorporation & Capital Infusion
A Private or Public Limited Company is incorporated and the minimum Net Owned Fund as prescribed by RBI is brought in and deposited into the company bank account with proper capital documentation.
Policy & Compliance Documentation
We prepare RBI-compliant policies such as Fair Practices Code, Risk Management Policy, KYC-AML policy, internal controls and business plan along with audit and financial statements required for NBFC licensing.
Application Filing with RBI
The NBFC registration application is submitted through the RBI COSMOS portal followed by submission of physical documents to the respective Regional Office for scrutiny and verification by RBI officials.
Grant of NBFC License
After reviewing capital adequacy, promoters’ background and governance standards, RBI issues the Certificate of Registration allowing the company to legally operate as a Non-Banking Financial Company in India.
Start your lending or financial services business legally by obtaining an NBFC license from the Reserve Bank of India. Our expert team assists with complete documentation, compliance and end-to-end RBI application processing ensuring smooth & timely approval.
NBFC Registration Guide & Procedure: Step By Step
NBFC Registration in India – Overview
A Non-Banking Financial Company (NBFC) is a financial institution registered with the Reserve Bank of India (RBI) that provides lending, finance and credit-related services without holding a full banking license. Activities may include business loans, consumer lending, microfinance, asset financing, leasing, factoring and other financial services.
Any company engaged in financial business must obtain an NBFC License from RBI before commencing operations. The registration process is highly regulated and requires strict compliance with RBI guidelines, capital adequacy norms, governance standards and financial reporting systems. Only companies fulfilling RBI fitness, financial stability and integrity criteria are granted NBFC Certification.
Benefits of Obtaining an NBFC License
- Legal Financial Lending Platform: Enables lawful financial services under RBI supervision.
- High Market Demand: India has a rapidly expanding retail & MSME loan market.
- Investor & Banking Trust: RBI-regulated status improves credibility and acceptance.
- Flexible Business Models: NBFCs can offer wide range of finance services.
- Scalable Business Opportunity: Suitable for nationwide expansion and partnerships.
Eligibility Criteria for NBFC Registration
| Requirement | Details |
|---|---|
| Company Structure | Must be a Private Limited or Public Limited Company |
| Minimum Directors | Minimum 2 Directors (Private) / 3 Directors (Public) |
| Net Owned Fund | Minimum ₹10 Crore as per current RBI Capital Norms |
| Business Activity | Financial lending / credit or investment services |
| Fit & Proper Criteria | Promoters should meet RBI integrity & financial standards |
Key Regulatory Requirements
- Registration with RBI is mandatory before starting business
- KYC & Anti-Money Laundering compliance is compulsory
- Board-approved Fair Practice Policy must be followed
- Audited financial statements required annually
- Periodic reporting to RBI is compulsory
- Consumer data confidentiality and ethical practice norms apply
Documents Required for NBFC Registration
- Certificate of Incorporation
- Memorandum & Articles of Association
- Net Worth & Capital Proof
- Directors’ Profile & KYC documents
- Detailed Business Plan & Projections
- Bankers' Certificate confirming capital deposit
- Board Resolution for NBFC Application
- Latest Audited Financial Statements
Step-by-Step NBFC Registration Process
- Company Incorporation: First, a Private or Public Limited Company is incorporated under the Companies Act, defining financial services in its object clause.
- Capital Infusion: The minimum Net Owned Fund of ₹10 Crore is brought in and deposited into the company's bank account with valid banking confirmation.
- Preparation of RBI-Compliant Policies: Internal control, KYC, lending policy, risk framework and Fair Practice Code are drafted in line with RBI guidelines.
- Online Application through RBI COSMOS Portal: Application is filed along with financials, projections, promoters’ details and governance documents.
- Submission of Physical Documents: Supporting documents are submitted to the respective RBI Regional Office.
- RBI Scrutiny & Due Diligence: RBI verifies promoter integrity, capital source, compliance readiness and management capability through detailed review.
- Grant of NBFC License: After satisfaction, RBI issues Certificate of Registration allowing the company to operate legally as an NBFC.
Government Fees & Professional Charges
The overall cost of NBFC registration depends on authorised capital, RBI filing requirements, documentation complexity and state-wise stamp duty. Professional advisory charges may also apply for policy drafting, financial structuring and RBI representation.
| Cost Component | Description |
|---|---|
| Company Incorporation Cost | ROC filing & stamp duty based on authorised capital |
| RBI Registration | Application processing & compliance submissions |
| Professional Charges | Consultancy, drafting & regulatory advisory |
*Final cost varies depending on capital structure, jurisdiction and RBI scrutiny level.
What’s Included in Our NBFC Registration Package?
NBFC Registration
Application Filing with RBI
End-to-End Compliance
Support & Advisory
DIN & DSC
for Directors
Name Reservation &
Company Incorporation Support
Drafting of MOA & AOA
with Finance Objects
Company PAN & TAN
Assistance
Business Plan & Financial
Projection Preparation
RBI Policy Drafting
(KYC, AML & Fair Practices)
Why Choose Us
From registration to annual compliance, we simplify every step with expert guidance, transparent pricing and on-time delivery tailored to your organisation.
Pan-India Service
We assist NGOs, startups and companies across India with fully online documentation and support – no need to visit any office.
Experienced CA / CS Team
Your work is handled by qualified professionals who understand regulations, funding requirements and ground-level challenges.
Fast & Transparent Process
Clear timelines, document checklists and regular updates – so you always know the exact status of your application.
Long-Term Compliance Support
Beyond registration, we help with 12A, 80G, FCRA, GST and annual filings, keeping your organisation compliant year after year.
NBFC Registration – Frequently Asked Questions
Common questions related to obtaining an NBFC License from the Reserve Bank of India (RBI) to start a Non-Banking Financial Company in India.