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Are you thinking of getting into the NBFC in the investment and credit company market sector? Let Enterslice help you throughout your process, from reviewing your business model to providing complete assistance with NBFC Investment and Credit Company (NBFC-ICC) Registration, so you don’t have to delve into the boring paperwork.
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Stressed about your upcoming NBFC investment and credit company (NBFC-ICC) registration process as an entrepreneur, startup, or investor? Let Enterslice help you start your non-banking financial company that offers loans, credit facilities, and related financial services in India.
With your NBFC-ICC, you will be able to provide lending solutions, business loans, asset financing, personal loans, and investment-focused services, provided you have an RBI-approved business model and registration. We take over your workload by streamlining the eligibility assessment, fixing the gaps, and making sure you don't suffer any delays.
From filing your application to responding to RBI queries and handling compliance on a 365-day schedule, we make sure you don't miss a deadline while continuing your business growth as an NBFC in India. Contact Enterslice now and get local support for physical paperwork management with the RBI through our 500+ PAN-India consultants in your state/UT.
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Ready to start your next venture as a credit, financial, or investment company in India? Take regulatory guidance to move forward with your application with the RBI and reduce your time by 70%.
Well, first off, it's a regulated license, which requires a proper understanding of the laws and regulations. Secondly, you don't want to delay your market entry for RBI NBFC investment and credit company (NBFC-ICC) registration because you submitted an incomplete application.
Getting approval for the registration is not easy; it is a complex process with the RBI, which requires careful and professional understanding of laws and rules on capital requirements, corporate governance, policy development, and tech infrastructure.
We not only register your company with the MCA, but also make sure you get an approved CoR from the RBI through online and on-site coordination with the regional office of the central banking authority.
For a new NBFC-ICC proposing customer interface and/or public funds, the applicable minimum NOF is generally ₹10 crore. NBFC-ICCs with no public funds and no customer interface are subject to the applicable ₹2 crore requirement. Existing NBFC-ICCs should also consider the RBI's NOF glide path ending on 31 March 2027. we help you prepare proper source traceability paperwork, so you get an unbroken audit trail with a clean record, strengthening your approval rate with the RBI.
Since most of our experts are ex-NBFC and RBI-focused lawyers and employees, you can expect error-free documentation given their years of experience in data reporting, asset classification, provisioning, NPA tracking, AML compliance, KYC framework, STR reporting, and fair practices code setup.
You can structure your company to function as an asset financing, loan, and investment service provider under a single RBI license without dealing with multiple and diverse permits or approvals.
With the help of an NBFC Investment and Credit Company (NBFC-ICC) Registration Compliance service provider, you can reduce and eliminate the chances of penalties, restrictions, legal troubles, or revocation of the CoR by the RBI by keeping you compliant throughout your journey as your compliance partner.
Here's an overview of everything you need to know about the NBFC Investment and Credit Company (NBFC-ICC) Registration Requirements before you formally apply:
Know how much funding and assets you need before you go for an NBFC investment and credit company (NBFC-ICC) registration:
All set for NBFC Investment and Credit Company (NBFC-ICC) Registration?
Make sure your governance and personnel are fully compliant with RBI NBFC Investment and Credit Company (NBFC-ICC) Registration:
While each client has a different checklist for documentation tailored to their company/group entity structure, take a look at the common documents that you'd need for NBFC Investment and Credit Company (NBFC-ICC) Registration:
Certificate of the company's registration
MOA and AOA
PAN and GST
TAN Number
Company's official registered address
Audited financial statements- balance sheet & P&L Account
Statutory auditor's certificate certifying the net owned fund (NOF) as the applicable date
Bank account statements and source of funds
PAN and address proof of promoters and directors
Details of the beneficial owners
Business plan and financial projections
Shareholders and organizational structure
Board resolution and management declarations
Fair practices code, AML, KYC, and CFT policies
Corporate governance and committee information
Risk management system and consumer redressal forum details
Get Your List of Documents for NBFC-ICC registration
Check out how to apply for RBI NBFC Investment and Credit Company (NBFC-ICC) Registration as explained below:
We assess your business model, financial activities, business needs, product/service offerings, and classification against the RBI rules, master directives, and requirements.
We register your company in case you haven't registered it already with the MCA and ROC. We prepare your MOA and AOA, fully aligned with the RBI and NBFC rules.
You need to deposit INR 10 crore into a company bank account. We also assist in opening one in case you don't already have it.
We review your director and promoter IDs, KYC, bank account statement, and police verification report to make sure nothing gets flagged during the application process, delaying the registration.
Our associates prepare your documents, draft resolutions, prepare net source declarations, beneficial ownership information, and corporate governance policies.
Not only do we file your application with documents online through the Pravaah Portal, but we also assist in sending those in-person in the relevant regional RBI office wherever your company is situated in India.
We respond to the RBI queries and additional documentation submissions in case the central banking authority has any questions regarding your application.
If everything goes as per the RBI guidelines and rules, you will get your approval, and we will prepare a compliance calendar in the next steps to keep you aligned with the reporting systems before you start your operations.
Let our experts' smooth things out for you with our NBFC Investment and Credit Company (NBFC-ICC) Registration compliance services.
Generally, your timeline for RBI NBFC Investment and Credit Company (NBFC-ICC) Registration depends on how good and accurate your paperwork is and your compliance with RBI rules. Here's a standard timeline:
Make sure you meet all the requirements for the NBFC-ICC company registration before you formally apply with the RBI.
Have your company registered with the Ministry of Corporate Affairs, register for TAN, PAN, GST, trade license (if needed), PF registration, and open a company bank account.
Arrange and deposit the required INR 10 crore in your corporate business bank account and comply with the NOF compliance as per the RBI rules.
Compile all your documents and organize your corporate governance policies and committees that are needed for your registration with the central banking authority.
Submit the documents online through the Pravaah Portal and also make sure to submit the documents physically at the nearest and relevant regional RBI office.
Respond to the RBI queries and clarifications within the deadline to avoid unnecessary delays and rejections.
Receive your NBFC investment and credit company (NBFC-ICC) registration approval and start preparing the compliance setup as part of your registration conditions.
Your actual compliance calendar would include actual dates and filing deadlines based on all the obligations you need to complete post your NBFC-ICC registration.
Avoid the following issues during your course of NBFC Investment and Credit Company (NBFC-ICC) Registration compliance by partnering with Enterslice:
Want to know how we actually help you with NBFC investment and credit company (NBFC-ICC) registration:
Before we move forward with your application, we assess your business plan, business criteria, and address gaps, if any, to determine whether you are ready for registration with the RBI.
We review your capital structure, Net Owned Fund, and source of funds disclosures as per the Reserve Bank of India (RBI) to make sure your application isn't rejected because you didn't have enough funds.
Starting from your business plan to drafting declarations, board resolutions, and related regulatory submissions, our legal associates take care of the entire paperwork. They are experienced professionals with over 10+ years of industry experience in matters relating to RBI and NBFCs.
We help with your board resolutions, promoter and director documentation, internal governance structure, policies, and operational checks for NBFC Investment and Credit Company (NBFC-ICC) Registration.
Enterslice associates don't just file your application online, but also make sure to submit it in person as per the RBI guidelines. Our local consultants coordinate with the regional RBI office of your state or union territory.
Say bye to never-ending back-and-forth and a flooded inbox with our liaison support. We make sure you respond to each of the RBI's questions and requests for additional documents on time, without delays, after obtaining your consent and discussion.
We live-track your registration application to monitor its progress, making sure to respond to RBI's correspondence in time and keeping you informed of all material updates and needed action by you.
We assist with RBI's reporting, notifications to the FIU-India, MCA compliance, and ROC filings as and when needed. You get a customized compliance calendar for 12 months as per your obligations after the RBI NBFC investment and credit company (NBFC-ICC) registration.
With our 15+ years in the industry, we have successfully assisted over 200+ clients in registering their NBFC-ICC in India. Our comprehensive services include market research, business plan drafting, financial projections, AML/KYC compliance, client due diligence, and liaison support with the RBI. Key reasons to choose Enterslice for NBFC Investment and Credit Company (NBFC-ICC) Registration Compliance are as follows:
Get your own personalized document and criteria checklist for your NBFC-ICC registration.
Of course, you need registration with the RBI because simply incorporating a private or public company isn't enough to authorize you to conduct operations like commercial lending, digital loan services, or investment services. Contact us to find out whether you qualify for a CoR with the RBI before you apply.
You need at least INR 10 crore as net owned fund if you want to register yourself as an NBFC investment and credit company under the RBI rules. Book a 30-minute free call with us, so our financial advisor will assist you in calculating your NOF and also advise on how to structure your lending/investment plan.
We just need your company's registration certificates, MOA, AOA, PAN, CIN, TAN, registered office proof, a statutory confirmation certificate of the NOF, banker's "no lien" report, source of capital, audited financial statements, details of all directors, police background checks, and financial checks (bankruptcy). Rest leave it to us; we prepare the business plan, risk compliance framework, board resolutions, and related paperwork as per RBI's list.
Your timeline depends on how ready your documents are as per the RBI checklist and master directives, capital availability, the application, and RBI's own review process as well. You can expect around 4 to 9 months, including your company's incorporation in case it's not already registered with the MCA. Just note that this is just an estimate, and your approval fully depends on how well you handle the queries and clarifications.
Your cost of registration depends purely on professional fees, documentation, stamp duty during company registration, audit, and third-party professional fees. Want to know how much it will personally cost you? Get in touch with our experts and let us give you a tailored quotation based on your structure and requirements. Also note that while you have a huge net owned fund requirement, you don't have any NBFC Investment and Credit Company (NBFC-ICC) Registration Fees levied by the RBI.
Absolutely, a new company, whether public or private, can apply for NBFC-ICC approval, given that it has at least INR 10 crore. We help you register your company with the MCA, conduct a NOF assessment, prepare your business plan, set up your international governance, and also file the application.
Your work is just getting started after your company's registration with the RBI. Make sure to adopt a fair practices code, enrol your entity with the Financial Intelligence Unit-India for PMLA, appoint a principal officer to flag suspicious cash/transactions, complete the onboarding with the CKYC & CERSAI, and file regular reports to MCA, ROC, RBI, and FIU.
Apart from the above obligations, you will also need to maintain the capital adequacy requirements applicable to the NBFC's layer under RBI's scale-based regulation framework. NBFC-ML and NBFC-UL are generally subject to a 15% CRAR, while NBFC-BL is generally subject to the applicable leverage requirement. Now we know that all of this is comprehensive and seems never-ending, which is why we are here to assist you in filing your returns on time, maintaining records, and making event-based notifications to the RBI, so you can avoid any regulatory risk that may affect your financial position and cause loss of brand value, along with legal troubles.
We don't just register your company with the Reserve Bank of India, but also make sure you remain compliant throughout the registration process. Enterslice helps you determine whether you fit right with the RBI rules on capital needs, net-worth/owned assets. We also help you structure your company's ownership in a way that aligns with the apex banking authority. From coordination to legal/regulatory paperwork, we are your compliance partner. Get complete filing and policy documentation support along with post-registration compliance for 12 months post-setup.
Well, the application is a two-way process, meaning you will need to submit the paperwork along with your application through the online RBI Pravaah portal and also dispatch the hard copies to the RBI's regional office. Sounds exhausting, right? Let Enterslice handle your online filing as well as the courier physical submission. Our consultants are spread across 20+ states and UTs in India. We will submit the application to a regional office situated near your business presence.
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-- Testimonials
Thanks to Enterslice, getting our NBFC license was surprisingly hassle-free. Their hands-on support, regulatory know-how and proactive follow-up turned a daunting process into a confident start-up moment. Highly recommend!
Our experience with Enterslice was exceptional. They simplified the complex NBFC registration process, provided complete documentation support, and ensured timely updates. Truly knowledgeable, responsive, and dependable team!
The Enterslice team made our NBFC’s legal journey effortless: timely documentation, strong compliance and efficient litigation support. Very satisfied with the results and ongoing guidance.
From KYC/AML policies to loan-agreement drafting and dispute resolution, Enterslice was comprehensive and reliable. Their tailored legal services strengthened our NBFC’s regulatory position.
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