The complete NBFC registration handbook
From choosing the right category to receiving your Certificate of Registration — every step, document and timeline.
18 min read
Resources
Regulatory guides & handbooks
Plain-English explainers written by our regulatory lawyers and chartered accountants.
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Buying an existing NBFC: a buyer's guide
How takeovers work, RBI prior approval, valuation drivers and the diligence red flags to watch.
12 min read
Digital lending compliance playbook
Practical steps for lenders and LSPs to comply with RBI's digital lending rules.
15 min read
Co-lending: structuring a winning partnership
Commercials, technology and policy alignment for bank–NBFC co-lending.
10 min read
Scale-Based Regulation explained
What each layer means for your capital, governance and disclosures.
9 min read
Preparing for an RBI inspection
Documents, data and governance practices inspectors look for.
11 min read
FAQs
Frequently asked questions
What is the minimum NOF for a new NBFC?
For NBFC-ICC and most lending categories, the minimum Net Owned Fund is ₹10 crore for new applicants. P2P and Account Aggregators need ₹2 crore.
How long does RBI take to grant registration?
Typically 6 to 12 months depending on category, application quality and RBI queries.
Can a foreign company own an NBFC in India?
Yes. 100% FDI is allowed under the automatic route for regulated financial services, subject to RBI norms.
Is prior RBI approval needed to buy an NBFC?
Yes, for any acquisition of 26% or more shareholding, or change in more than 30% of directors (excluding independent directors).
Can an NBFC accept public deposits?
Only deposit-taking NBFCs with specific RBI permission can. New registrations are generally non-deposit taking.
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