201301.00 Dollar US$ Get Non Banking Financial Company Registration with CorpZo Agra

Many founders want to lend money, but a banking licence feels out of reach. A Non Banking Financial Company (NBFC) offers another route. If you plan to get Non Banking Financial Company registration with CorpZo, this guide explains what an NBFC is, who needs one, what the Reserve Bank of India (RBI) expects, and how the process works step by step.

  What Is an NBFC and How Does RBI Regulate It?

An NBFC is a company that lends, invests in securities, or finances assets without holding a banking licence. You incorporate it under the Companies Act, 2013. RBI regulates it under the RBI Act, 1934.

An NBFC cannot accept demand deposits or issue cheques drawn on itself. Common categories include investment and credit companies, microfinance institutions, infrastructure finance companies, and peer-to-peer lending platforms. Each category follows different rules, so pick yours before you incorporate.

 Who Needs NBFC Registration in India?

RBI applies a simple test. If financial assets make up more than 50 percent of your total assets, and financial income makes up more than 50 percent of your gross income, you must register.

Picture a Bengaluru founder who builds a lending app for small shopkeepers and funds the loans from company capital. Once lending becomes the main business, RBI registration is mandatory. Lending without it can bring penalties and action against the company and its directors.

Typical applicants include:

• Fintech lenders and digital lending platforms


• MSME and business loan providers


• Vehicle, gold, and asset finance companies


• Microfinance and housing-linked lenders

  NBFC Registration Eligibility and Documents

Your company must meet these conditions before you apply:

• It is an Indian company with NBFC activities listed in its Memorandum of Association


• It holds the minimum Net Owned Fund (NOF) RBI sets for your category


• It has directors and promoters with a clean credit record and relevant finance experience


• Any foreign investment follows FEMA and FDI rules

Net Owned Fund means paid-up capital plus free reserves, minus accumulated losses and intangible assets. RBI has raised the minimum for several categories under its scale-based regulation, and most new investment and credit companies now face a Rs 10 crore requirement. Confirm the figure for your category on the RBI website before you raise capital.

Keep these documents ready:

• Certificate of Incorporation, Memorandum, and Articles of Association


• PAN and TAN of the company


• KYC documents of all directors and promoters


• Credit reports of directors and promoters


• Bank statements and a Chartered Accountant certificate confirming NOF


• A three-year business plan with financial projections


• Board resolution authorising the application


• Registered office proof

  Step-by-Step NBFC Registration Process

The process has clear stages. Take them in order and each one stays manageable.

1. Choose your NBFC category based on the business you plan to run.


2. Incorporate a company through the Ministry of Corporate Affairs (MCA) with NBFC objects in the Memorandum.


3. Raise the required capital and hold it in your bank account to show NOF.


4. Prepare your business plan, director declarations, and CA certificate.


5. Submit the application on RBI’s online portal with all documents.


6. Answer RBI queries quickly and clearly. RBI may ask for clarifications on your promoters, funding, or business model.


7. Meet any conditions in RBI’s in-principle approval, if RBI issues one.


8. Receive the Certificate of Registration (CoR) from RBI, then start lending. 


9. Copzo Ventures Pvt Ltd




11. Brand Name:- Copzo Ventures Pvt Ltd


12. Address:- G 10, Sector 63, Noida, India, 201301,


13. Email:- reach@corpzo.com,


14. Phone:- +919999139391,


15. Web Address:- https://www.corpzo.com


16. Social Media Platform




18. https://twitter.com/corpzoindia


19. https://www.facebook.com/corpzo/


20. https://www.instagram.com/corpzo/


21. https://www.linkedin.com/company/corpzo


22. https://www.youtube.com/@CorpZo1

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