GST registration was painless. They asked for documents, did the filing, and shared the certificate within a day. We were back to selling without the usual portal back-and-forth.
Ravi Menon
Founder, D2C apparel brand
Govt. of India Recognised MSME ₹2 Cr Net Owned Funds Required
NBFC Registration in 6-9 Months
Get a Certificate of Registration from RBI for an NBFC under Section 45-IA of RBI Act 1934. Includes capital structuring, COSMOS filing, fit-and-proper checks. ₹2,99,999 fixed.
₹499999₹299999Save ₹2,00,000
6-9 Months CoR from RBI
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6-9 MonthsCoR from RBI
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Dedicated Support
Common across nbfc registration engagements
Pvt Ltd
LLP
OPC
Sole Prop
Partnership
D2C
SaaS
Services
Expert review
A clear nbfc registration workflow with scope, documents, and status visible.
Finance services work best when the filing path is explicit. We confirm the scope, check documents, prepare the filing, submit after review, and share acknowledgements or certificates.
₹299999Current bundle price
6-9 MonthsCoR from RBI
CA/CSReview support
Document checklist confirmed before submission
Dedicated WhatsApp updates during the filing process
No hidden government-portal work left for you after payment
What's Included
₹499999 Value for Just ₹299999
Everything you need, in one bundle.
Your Bundle Breakdown
- Pre-application advisory + capital structuring₹50,000
- Pvt Ltd incorporation (if not already done)₹15,000
- Net Owned Funds (NOF) audit + CA certificate₹35,000
- Directors' fit-and-proper documentation₹25,000
- COSMOS application + RBI submission₹1,49,999
- RBI query handling + final CoR₹50,000
- Post-CoR compliance kit + 1st year support₹50,000
- Total Bundle Value
₹499999 - You Pay Today₹299999
Claim Your ₹299999 Offer
Current bundle pricing with clear scope, delivery, and support included.
- 6-9 Months CoR from RBI
- CA-backed, money-back assurance
- No hidden charges, no upsells
- Dedicated WhatsApp support
Review Process
What We Check Before Filing
These pages now explain the review layer behind the service, not just the price.
Document checklist reviewed before portal submission or drafting starts
Identity, address, and business activity details matched across the full file
Resubmission support included if the authority asks for clarification
Understanding NBFC Registration
What is NBFC Registration?
A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act and authorised by RBI under Section 45-IA of the RBI Act, 1934 to carry out lending, investment, leasing, hire-purchase, microfinance, or other financial activities. NBFCs cannot accept demand deposits like banks but can borrow from banks, issue NCDs, and raise equity. Loan-NBFCs (the most common type) need ₹2 crore Net Owned Funds (NOF) — RBI raised the threshold from ₹2 Cr to ₹10 Cr phased over FY27 for new applicants.
Registration with RBI requires: Pvt Ltd / Public Ltd entity → ₹2 Cr NOF parked in fixed deposit → directors who are fit-and-proper → board with industry experience → application via the COSMOS portal → multiple rounds of RBI queries → on-site verification → CoR. Total timeline 6-9 months. Bizeract's NBFC team has shipped 15+ CoR engagements; we run the structuring, COSMOS submission, query response, and post-CoR compliance kit.
₹2 Cr NOFMinimum Net Owned Funds (rising to ₹10 Cr by FY27)
6-9 monthsEnd-to-end timeline to receive CoR
RBI-supervisedQuarterly returns + statutory audit + RBI inspections
Eligibility
Who Needs This Service?
Benefits
Benefits
Regulatory legitimacy
CoR signals that RBI has cleared your structure, capital, and management. Credibility with banks, debt investors, and customers.
Access to bank funding
Public-sector banks and private banks lend to NBFCs at MCLR + spread. Without CoR, no bank finance.
Issue NCDs / market debt
NBFCs can raise via NCDs, securitisation, and CPs. Massive scaling lever once rated by CRISIL / ICRA / CARE.
Lend at scale
CoR allows lending without statutory limits applicable to non-NBFCs. Essential for any business model with ₹100 Cr+ AUM ambition.
M&A optionality
NBFCs are sought-after acquisition targets. CoR gives founders a clean exit path through bank / fintech acquisitions.
Get nbfc registration done — pay ₹299999Bundle pricing. CA-led review. Callback in 30 minutes.
Claim ₹299999 Offer Filing workflow
How it works
A clear step-by-step process. Done by experts, on your behalf.
1
Pre-application advisory
Decide NBFC category (loan / investment / asset-finance / MFI). Plan capital, board, and 3-year activity.
2
Capital + NOF audit
Raise / park ₹2 Cr in FD. CA certifies NOF. Board composition finalised with fit-and-proper directors.
3
COSMOS submission
File application on RBI COSMOS portal with 50+ supporting documents. Hard-copy submission to regional office.
4
Query handling + CoR
Respond to RBI queries (typically 2-3 rounds). On-site visit if required. CoR issued in 6-9 months.
Documents required
Documents needed for NBFC Registration
We confirm the exact document set for your entity type before filing.
Required for most applicants
- Certificate of Incorporation, MOA, AOA
- Audited financials of last 3 years (if existing entity)
- Bank certificate of ₹2 Cr NOF (FD with scheduled bank)
- CA certificate of NOF computation
- Directors' KYC, qualifications, and fit-and-proper declaration
- Net worth certificate of each director
- 3-year business plan with financials, projections, target segment
Depends on business type
- IT clearance, banker's reference, board resolution
- Compliance officer + risk officer appointment letters
- Office lease, infra readiness photos
Expert Notes
What to confirm before starting the registration or license
Before you start nbfc registration, confirm the ownership pattern, the registered or operating address, and the exact business activity description you want the filing to reflect. Many applications get delayed not because the portal is difficult, but because the supporting documents do not line up with the name, address, or activity being claimed in the form.
The stronger pages in this cluster now explain that upfront. Users should understand whether the service is a fit for a sole owner, a multi-founder setup, or a business that expects bank due diligence, vendor onboarding, or future compliance obligations. That decision quality is what separates a high-converting landing page from a generic lead form.
Expert Notes
Where compliance filings usually slow down
The most common bottlenecks are name or activity mismatch, weak address proof, unsigned declarations, or filing data that is copied across documents without checking whether the authority expects a different format. We now make those risks explicit on-page and structure the process so the checklist review happens before the final submission, not after a rejection comes back.
Get NBFC Registration for Just ₹299999
Bundle worth ₹499999. 6-9 Months CoR from RBI. Clear scope, expert review, and no hidden steps.
FAQs
Frequently Asked Questions
What types of NBFC can I register?
Loan Co (consumer / business lending), Asset Finance Co (vehicle / equipment), Investment Co (equity / debt), Infrastructure Finance Co, MFI, Factor, IDF, P2P (separate licence). Each has different NOF and prudential norms.
What is the difference between NBFC-D and NBFC-ND?
NBFC-D accepts public deposits — far stricter regulation, separate Statutory Liquidity Ratio. NBFC-ND does not accept deposits and is the common starting point for new applicants. Most fintech NBFCs are NBFC-ND-SI (systematically important if AUM > ₹500 Cr).
Can the ₹2 Cr NOF come as borrowed funds?
No. NOF must be owned funds — equity capital + free reserves, less investments in shares of subsidiaries, group companies, and intangibles. Borrowed money does not qualify.
How long is the CoR valid?
CoR is perpetual unless cancelled by RBI for non-compliance. But RBI can review, suspend, or cancel based on supervisory findings, capital erosion, or fraud.
Can I lend before getting CoR?
Strictly no. Section 45-IA prohibits NBFC business without CoR. Doing so attracts criminal penalties and personal liability of directors. Even pilot operations must wait for CoR.
Are there post-CoR compliance burdens?
Yes — quarterly returns (DNBS-01 to 04), annual audit, statutory liquidity (for NBFC-D), capital adequacy (15% CRAR), KYC norms, FPC, FAIR practices code. We bundle the first year of compliance support.
What does the process look like?
Fill the form → expert calls within 30 minutes → share documents on WhatsApp → we file → you receive certificates / acknowledgements. Zero office visits.
Are there hidden fees beyond the offer price?
No. The offer price covers the full scope listed in the bundle. Government fees (where applicable, like ROC for incorporations) are passed through at actuals — disclosed upfront before you pay.
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