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Get a full review of your corporate structure, filing assistance, liaison support, response assistance to RBI queries, and a robust compliance framework for core investment company (CIC) registration.
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The core investment company (CIC) registration process helps companies like you hold shares, debentures, and bonds in group companies. As a registered CIC, you cannot run or trade in your investments, unlike a regular business.
Enterslice's engagement process starts with checking the applicant company's assets, income, investments, and ownership structure. We review your paperwork, prepare required policies, and rectify any gaps that may hamper the approval process.
Get in touch with us if you want to hold investments in group companies to understand registration with the RBI. Take a 30-minute free discussion where we discuss the next steps and get an insight into Core Investment Company (CIC) Registration Fees.
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Need guidance for core investment company (CIC) registration? Speak to our NBFC experts to check if you qualify before filing with the RBI.
Here are a few reasons you need consulting services for RBI core investment company (CIC) registration compliance:
One of our consultants will help you meet the eligibility criteria for asset investment and classifications. We make sure you meet the 90% net assets in group company requirement and 60% in equity shares or convertible instruments, saving you from hefty penalties or other costs due to misclassification as a non-CIC entity.
A registered CIC is one having total assets of not less than Rs 100 crore, individually or in aggregate with other CICs in the group, and which raises or holds public funds. Understanding the RBI regulations and meeting every criterion can be exhausting, especially if you don't have the relevant experience.
Registered CICs get clear guidance on eligible investments, external commercial borrowings (ECBs), and enhanced regulatory compliance with the RBI's limit on group CIC layers.
With the help of a professional, you'd be able to understand how to fulfil RBI requirements without being pulled into heavy reporting and compliance meant for open-market NBFCs for Core investment companies (CIC).
Our consultants give you a demo of the online filings through the Pravaah portal. From structured documentation to accurate net owned fund calculations, we make sure you understand your way through the central portal for future compliance.
Thinking of starting a CIC? Find out what you need before you officially apply for the Core Investment Company (CIC) registration requirements:
Understand your capital and net-worth requirements for core investment company (CIC) registration:
Let us help you develop policies, committees, and corporate governance for RBI core investment company (CIC) registration:
While the actual checklist for your paperwork depends on your company's structure and size, among other things, here's a list of the most common documents that you need for core investment company (CIC) registration:
Certificate of the company's registration
MOA and AOA
Audited financial statements of the last three years
Business plan and financial projections
Board-approved resolutions
A declaration stating the company's status on public deposits
Credit bureau reports for all directors of the company
Complete business profile of all KMPs
Group structure chart that shows shareholding and ownership
Net owned fund or adjusted net worth certificates
NBFC conversion letter (if any)
Confused about documentation for your RBI registration?
Let us help you apply for core investment company (CIC) registration with Enterslice:
Before we begin the process of CoR with the RBI, we check whether you are registered with the MCA or not. Secondly, we align your memorandum and articles with the RBI regulations.
Next, one of our CAs or CFOs will assess your income and assets to make sure you satisfy this condition- ANW must be at least 30% of prescribed risk-adjusted assets, and outside liabilities must not exceed 2.5 times ANW.
We prepare your documents and file them through the online Pravaah portal and also send one hard copy to the regional office of the RBI in your registered state or UT.
The central banking authority would assess your group structure, assets, income, board resolution, and risk policies and may seek clarifications if they have any questions.
Our consultants help clients respond to the RBI's questions and submit additional documents in case there's a request by the bank regarding your application for CIC registration.
Once the RBI is satisfied with your application, documents, and responses, they'll clear it and send you a certificate of registration.
Let our experts smooth things out for you with our core investment company (CIC) registration compliance services.
Your timeline for the Core Investment Company (CIC) registration process depends on the completeness and accuracy of your documentation. Here's a standard timeframe:
Check your balance sheet against the 90% and 60% asset composition required by the RBI and confirm whether the asset size and public funds conditions are met.
Find out whether the company requires registration as a CIC or qualifies as an unregistered CIC.
Prepare your paperwork for the application and compile all the financial statements, group structure chart, director/shareholder information, and related policies.
Submit your application to the Reserve Bank of India through the PRAVAAH portal and send a hard copy to your state of registration's regional office.
If the RBI has any questions regarding your application, they will seek clarifications, and you will respond within the given timeline to make sure there's no delay.
Get your CIC registration certificate from the RBI, with an ongoing governance and reporting framework to make sure your CIC remains compliant.
While the above calendar is indicative, each client gets their own calendar with due dates and reminders based on their company structure and organizational chart as part of our core investment company (CIC) registration compliance.
Work with Enterslice to avoid the following risks during core investment company (CIC) registration compliance:
Our comprehensive scope of core investment company (CIC) registration compliance services includes:
Before we start the onboarding process, we assess your income, assets, and group structure to verify if you meet the RBI registration requirements as a CIC or otherwise.
We don't just prepare your policies, business plan, or risk management framework, but also make sure your records align with the RBI rules.
Enterslice CAs check if your company's owned funds, income, assets, and other financial health meet the applicable RBI capital requirements before filing your application for core investment company (CIC) registration.
We prepare your business plan through market intelligence, consumer segment analysis, and financial projection forecasting to make sure it aligns with the RBI rules.
We examine your investments in group companies, including shares, loans, debentures, and other financial instruments, to make sure they fit the regulatory bandwidth of a CIC as required by the apex banking authority.
Our legal associate starts your RBI application process after compiling and assembling your documents, making sure all the details match across your financial records, corporate papers, and investments.
We don't just register your company but also ease your burden from the administrative workload by liaising and coordinating with the RBI on your behalf through additional document submission and query resolution with your consent.
Your work isn't over after registration with the RBI, so as your compliance service provider, we help you handle regulatory filings, event-based submissions, audits, transfer pricing documentation, and MCA/ROC compliance.
Get your own personalized document and criteria checklist for your core investment company (CIC) registration:
We have 10+ years of experience in RBI regulatory advisory for NBFC registration, business plan drafting, compliance, and more. Key reasons to trust Enterslice with Core Investment Company (CIC) registration are as follows:
No. You can be registered with the RBI as a private limited company as well because there is no strict requirement for companies to become public. All you have to do is make sure your memorandum of association properly highlights the alignment with the RBI regarding your activities.
You cannot enter into general trading, except for block sales done only for dilution or disinvestment purposes.
Financial services like NBFC lending, factoring, hire-purchase, leasing, or public-facing financial activities outside the defined group structure.
Layer restrictions for CICs at two layers.
As a registered company, you can acquire and hold equity shares, preference shares, bonds, debentures, and loans in group companies.
You can also grant loans or advances to group companies.
Apart from the above two operations, you may also be eligible to issue guarantees or take on contingent liabilities on behalf of group companies.
There are certain treasury and liquidity items, such as bank deposits, government securities, and bonds/debentures issued by group companies.
Some documents include a basic financial health check for asset classification, group structure mapping, corporate documentation review, net worth leverage proof, shareholder/director KYCs, and board-approved resolutions.
Yes, core investment companies (CIC) need to register with the Financial Intelligence Unit of India as a reporting entity. You can start the process through the FINnet 2.0 portal.
There is no fixed minimum paid-up capital or NOF amount prescribed for a CIC. A registered CIC must maintain ANW (Adjusted Net Worth) of at least 30% of its aggregate risk-weighted assets and risk-adjusted off-balance-sheet items.
While you can handle the process on your own, it is better if you get professional support. The application starts with capital structuring, digital filings, and ends with review & approval by the RBI.
Apart from the registration with the FIU, you will need to register your designated director and principal officer.
Your documentation and additional checks are taken care of by our associates while you focus on your work.
You can expect around 4 to 7 months for a standard application. Your company registration can take 1 to 4 weeks, including time spent on policy preparation and bank account opening. The review by RBI would take around 3 to 5 months to complete queries, reviews, and checks.
Well, you can encounter a rejection by the Reserve Bank of India in case you're working without professional assistance:
As a registered CIC with the RBI, you will need to make sure your group investment is at least 90% in group investments and a 60% minimum of assets in equity shares. you should also check that your ANW should be at least 30% of prescribed risk-weighted assets/items and outside liabilities must not exceed 2.5 times ANW.
Periodic review of your layer restriction, and specified takeover/control, shareholding and management changes for which prior RBI approval is prescribed.
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