NBFC Registration

Start your Non-Banking Financial Company with LegalLinker – Complete RBI registration support for lending, investment, and financial advisory businesses.

3-6 Months
₹2,99,999 + Govt Fees
RBI Regulated

Start Registration

About NBFC Registration

A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 2013, engaged in the business of loans and advances, acquisition of shares/stocks/bonds, leasing, hire-purchase, insurance business, or chit business. NBFCs are regulated by the Reserve Bank of India (RBI) and play a vital role in financial inclusion. NBFC registration is mandatory to operate legally and access funding from banks and institutions.

Process: We begin by incorporating a company under the Companies Act. Our experts then prepare the NBFC application (COSMOS), compile all necessary documents (board resolution, business plan, financial projections, KYC of directors), and file the application with the RBI’s online portal. We coordinate with the RBI regional office, handle queries, and ensure compliance with all requirements until the Certificate of Registration is issued.

Key Benefits

  • Regulatory compliance: Operate legally under RBI oversight
  • Access to funding: Eligible for bank finance and refinance from institutions
  • Investor confidence: Registered NBFC attracts equity and debt investors
  • Business expansion: Ability to offer diversified financial products
  • Long-term credibility: Build trust with customers and partners

Who Should Opt for NBFC Registration?

  • Loan & credit companies
  • Investment & asset management firms
  • Leasing & hire‑purchase companies
  • Housing finance companies (through NHB)
  • Microfinance institutions

Step-by-Step Process

1

Company Incorporation

Register a Public/Private Limited Company with minimum NOF requirement

2

Documentation & Business Plan

Prepare detailed business plan, financial projections, board resolution, KYC

3

Application Filing (COSMOS)

Submit online application to RBI through COSMOS module

4

Scrutiny & Queries

RBI reviews application, may seek additional information or clarifications

5

Personal Presentation (if required)

Directors may be called for discussions at RBI regional office

6

Certificate of Registration

RBI issues CoR, allowing NBFC to commence operations

Timeline: Typically 3–6 months, depending on RBI processing and document readiness. Our expert team ensures all submissions are accurate to avoid delays.

Documents Required

Company & Directors

  • • Certificate of Incorporation
  • • MOA & AOA of the company
  • • PAN of the company
  • • KYC of directors (PAN, Aadhaar, passport size photo)
  • • Director Identification Number (DIN) & DSC

Financial & Business Details

  • • Audited financials (if existing company) or projected financials
  • • Business plan with 5-year projections
  • • Board resolution authorising NBFC application
  • • Details of owned funds (minimum NOF of ₹2 crore)
  • • CIBIL report of directors/company (if applicable)

Timeline

Company Incorporation & Document Prep 2-3 Weeks
RBI Application Processing 2-4 Months
Certificate Issuance 1 Month

Service Type: End‑to‑end NBFC registration consultancy.

Pricing

₹2,99,999 + Govt Fees

Professional fees for complete NBFC registration support. Government fees (RBI, RoC) extra as applicable.

  • Transparent pricing
  • No hidden charges
  • Includes COSMOS filing & query handling
NBFC Registration Package
₹2,99,999
  • Company Incorporation (Public/Private)
  • Business Plan & Financial Projections
  • COSMOS Application Filing
  • Documentation & Board Resolutions
  • KYC & Due Diligence Support
  • RBI Query Handling & Follow‑up
  • Personal Presentation Guidance
  • Certificate of Registration

Why Choose LegalLinker?

Expert NBFC consultants: Specialised in RBI regulations
Complete documentation support: Business plan, projections, board resolutions
End-to-end RBI liaison: From COSMOS filing to certificate
High success rate: 95% approval with proper preparation

⚠️ Important: Minimum Requirements

Before applying for NBFC registration, ensure:

  • Minimum Net Owned Fund (NOF) of ₹2 crore
  • CIN from ROC (Company registration)
  • Fit & proper directors (no criminal record)

Our Solution: We conduct a thorough eligibility check and guide you on meeting all criteria before application – maximising chances of RBI approval.

COMMON QUESTIONS

NBFC Registration FAQs

Find quick answers to frequently asked questions about NBFC registration and compliance

50+
NBFC Registrations
95%
Approval Rate
10+
Years Experience
4.8★
Client Satisfaction

Ready to Start Your NBFC Journey?

Get expert assistance for RBI-compliant NBFC registration. From company formation to certificate – we handle it all.