NBFC Registration, Compliance & Advisory
Our NBFC practice provides end-to-end advisory — entity selection, promoter net worth structuring, RBI registration under Section 45-IA, policy drafting (KYC, AML), capital adequacy checks, ongoing regulatory returns and representation before authorities.
Key Services
RBI Registration
Prepare and file the NBFC application, annexures, board and shareholder documentation for RBI assessment.
Entity & Capital Structuring
Advisory on promoter contributions, net-owned fund calculations and compliance thresholds.
Policy & Controls
Drafting credit policy, KYC/AML framework, internal control manuals and Board governance schedules.
Dispute Resolution
Arbitration, mediation, recovery strategies and enforcement of awards for NBFC receivables.
Documents & Attachments
| Document | Purpose |
|---|---|
| Board resolution, MOA/AOA | Corporate authority for RBI application |
| Audited financials / net worth certificate | Promoter capital verification |
| KYC documents of promoters & directors | AML/KYC compliance |
| Business plan & projected financials | RBI fit-and-proper assessment |
Registration & Compliance Process
- Entity formation and board approvals
- Preparation of net worth and financial documents
- File RBI application with annexures
- Respond to RBI clarifications and inspections
- Post-registration implementation of compliance calendar
Arbitration & Matrimonial-style Dispute Support
We integrate commercial dispute resolution with family/relationship issues where financial arrangements intersect — drafting settlement frameworks, arbitration clauses, fiduciary dispute resolution, and representation.
Fees & Indicative Charges
Fees vary by scope. Indicative ranges are listed below for guidance.
| Activity | Indicative Fee (INR) | Timeline |
|---|---|---|
| RBI Registration (end-to-end) | ₹75,000 - ₹2,50,000 | 4-12 weeks |
| Policy drafting (KYC, AML) | ₹15,000 - ₹60,000 | 1-3 weeks |
| Net worth & auditor liaison | ₹8,000 - ₹25,000 | 1-2 weeks |
| Arbitration / dispute (per matter) | Starts at ₹50,000 | Depends on proceedings |
Legal & Regulatory Framework
NBFCs are regulated primarily by the Reserve Bank of India. Promoters must meet net owned fund thresholds, and NBFCs must comply with CRAR, provisioning norms, and periodic statutory returns.
Downloadable Templates
Frequently Asked Questions
What qualifies as an NBFC?
Businesses engaged in loan/advances, hire-purchase, investment activities etc. are typically NBFCs and require RBI oversight.
How long is registration?
Typically 4–12 weeks, depending on document readiness and RBI processing.
Are companies with foreign investment allowed?
Foreign investment is subject to FEMA and RBI approvals in certain categories; we advise on permissibility.
Do you assist with audits?
Yes — we coordinate statutory and internal audits and help remediate findings.
Get started with our NBFC team
Contact our NBFC specialists for a no-obligation discussion. We will map the fastest route to registration and compliance based on your business model.