NBFC Registration & RBI Compliance
Incorporate and license a Non-Banking Financial Company under the Reserve Bank of India framework
Getting your paperwork right the first time is the biggest factor in how fast nbfc registration & rbi compliance completes. Below is the complete document checklist — what's mandatory, what's situational, and how each item is used — so you can assemble everything before you begin.
Documents Required
Items marked Required are mandatory; others are situational.
Entity and Capital
- Company incorporated under Companies Act, 2013 with financial objects clauseRequired
- Minimum net owned fund of rupees ten crores infused and confirmed by statutory auditorRequired
- Statutory auditor certificate on net owned fund obtainedRequired
- Bank statements evidencing capital infusion availableRequired
Promoter Documentation
- KYC documents for all directors and promoters (PAN, Aadhaar, passport)Required
- Source of funds declaration with supporting bank and tax documentsRequired
- CIBIL and credit bureau reports for all directors and promotersRequired
- Educational qualifications and professional experience certificates for directorsRequired
- Declaration of no criminal antecedents for all directorsRequired
Business Plan and Governance
- Detailed business plan with five-year financial projections preparedRequired
- IT infrastructure and cybersecurity policy document preparedRequired
- Risk management and credit assessment policy preparedRequired
- Board resolution authorizing RBI application passedRequired
- Principal officer identified and letter of appointment issuedRequired
Post-Registration Compliance Readiness
- Compliance calendar for quarterly and annual RBI returns set upRequired
- Asset classification and provisioning policy adopted by the boardRequired
- Statutory audit appointment for first financial year confirmedRequired
Tips to avoid delays
- Keep digital copies (PDF or clear photos) of every document ready before you start.
- Make sure names and addresses match exactly across all documents — mismatches are the single most common cause of rejection.
- Use current, unexpired government-issued IDs, and have both originals and self-attested copies on hand.
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