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NBFC License

Frequently Asked Questions.

Overview

About NBFC License

Overview

About NBFC License

An NBFC licence (Certificate of Registration from the Reserve Bank of India) is the gateway to running a lending or financial services business in India, whether investment and credit, microfinance, P2P lending, factoring or account aggregation.

Realms Enterprises manages the complete registration journey: choosing the right NBFC category, structuring the company and Net Owned Funds correctly, preparing the application with the policy frameworks RBI expects, and handling the regulatory dialogue until your Certificate of Registration is in hand. Where speed matters, we also structure the acquisition of existing registered NBFCs.

Realms Enterprises Group, integrated business solutions

What We Cover

  • NBFC category selection: ICC, MFI, P2P, Factor, Account Aggregator and more
  • Company structuring and Net Owned Funds (NOF) planning to current RBI norms
  • Complete application preparation and filing on RBI's portal
  • Policy frameworks: KYC/AML, Fair Practices Code, IT and risk policies
  • RBI query handling and follow-through until Certificate of Registration
  • Alternative route: acquisition and takeover of existing registered NBFCs

Why Realms

  • Specialists in RBI documentation and the questions regulators actually ask
  • NOF and capital structured right the first time, avoiding rejection cycles
  • Post-registration compliance calendar so the licence stays safe
  • Existing-NBFC acquisition network when timelines are critical
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FAQ

NBFC License, Questions & Answers

NOF is the company's owned capital net of certain deductions, computed per RBI's formula. Minimum NOF depends on the NBFC category and RBI's latest norms, which have been revised upward in recent years; we confirm the exact figure for your category before you capitalise.

Typically 4 to 8 months from filing, depending on the completeness of documentation and RBI's queries. Thorough preparation is the single biggest factor in a faster grant.

Yes, acquiring a registered NBFC with RBI's prior approval is a common faster route. We identify clean targets, conduct diligence and manage the change-of-control approval.

It depends on your activity: general lending points to NBFC-ICC, microloans to NBFC-MFI, lending platforms to NBFC-P2P, invoice finance to NBFC-Factor. We map your model to the right category during feasibility.

WhatsApp us at +91 70212 20544 or email cmd@realmsenterprises.com with a brief of your plans, and we will respond within 24 hours.

Quick Enquiry

Looking for the right partner for NBFC License? Connect with Realms Enterprises Group.

Let's Discuss Your Next Mandate

Bring us the transaction, the tender, or the target, we'll bring the structure, the capital and the network to move it forward.

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