Non-Banking Financial Companies (NBFCs) registered with the Reserve Bank of India (RBI) form a critical pillar of India’s financial system. These entities provide essential services such as loans, asset financing, investment products, and credit support to individuals, MSMEs, and large enterprises. RBI registration ensures that NBFCs operate within a regulated framework that promotes financial stability, transparency, and consumer protection.

What Does RBI Registration Mean for NBFCs?

An NBFC registered with RBI is authorized to conduct financial activities under the RBI Act, 1934. Registration signifies that the company has met stringent requirements related to capital adequacy, governance standards, compliance policies, and operational readiness. Only RBI-registered NBFCs are legally permitted to commence NBFC activities in India.

Types of RBI-Registered NBFCs

RBI classifies NBFCs into various categories based on their activities:

NBFC-ICC (Investment and Credit Company) – Engaged in lending and investment activities

NBFC-MFI – Focused on microfinance services

NBFC-Factor – Providing factoring services

NBFC-IDF – Infrastructure debt financing

NBFC-HFC – Housing finance companies (regulated separately but aligned with RBI norms)

Each category has distinct regulatory and compliance requirements.

Benefits of Dealing with RBI-Registered NBFCs

Working with RBI-registered NBFCs offers multiple advantages:

Enhanced trust and credibility

Protection of borrower and investor interests

Transparent pricing and fair practice codes

Regulatory oversight and grievance redressal mechanisms

Unregistered entities may pose significant financial and legal risks.

Compliance Obligations for RBI-Registered NBFCs

RBI-registered NBFCs must comply with:

Periodic regulatory filings and reporting

Capital adequacy norms

KYC and AML regulations

Statutory audits and inspections

Non-compliance can result in penalties, restrictions, or cancellation of registration.

How Corpzo Supports NBFC Registration and Compliance

At Corpzo, we assist businesses in obtaining RBI registration for NBFCs and managing ongoing regulatory compliance. Our services include documentation preparation, capital structuring, RBI application filing, and post-registration advisory.

🌐 Website: www.corpzo.com


📞 Contact: +91 9999 139 391

FAQs – RBI-Registered NBFCs
1. How can I check if an NBFC is registered with RBI?

You can verify NBFC registration on the official RBI website under the registered NBFC list.

2. Is RBI registration mandatory for NBFC operations?

Yes, RBI registration is compulsory before starting NBFC activities.

3. What is the minimum capital required for RBI registration?

A minimum Net Owned Fund of ₹2 crore is required.

4. Can RBI cancel NBFC registration?

Yes, RBI can cancel registration in case of non-compliance or regulatory violations.

5. How can Corpzo help with RBI NBFC registration?

Corpzo provides end-to-end support for NBFC registration and compliance management.