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NBFC Company

What is NBFC Company:

A Non Banking Financial Company (NBFC) is a company registered under the Companies Act, 2013. It is engaged in the business of loans and advances, acquisition of shares, stock, bonds, hire-purchase. NBFC are regulated by RBI and RBI permission is must to start NBFC business. As per the RBI guidelines, the net owned funds of the NBFC should be Rs. 2 Crores. An NBFC cannot indulge Primarily in Agricultural, Industrial Activity, Sale-Purchase, Construction of Immovable Property. Foreign Investment is allowed up to 100 %.

Types of NBFC Companies in India:

  • Asset Finance Company: Principal business is to finance physical assets such as automobiles, tractors, lathe machines, cranes, generator sets, earth moving and material handling equipments, moving on own power and general purpose industrial machines. Ex: Tayota Financial Services India Limited.

  • Investment Company: Principal business is of acquisition of securities. Ex: Aditya Birla Capital Limited, GMR Airports Limited.

  • Loan Company: Principal business is to provide finance by giving loans or advances. Ex: Bharat Financial Inclusion Limited.

  • Infrastructure Finance Company: Pricipal business is to provide infrastructural loans. Ex: L & T Infrastructure Finance Company Ltd.

  • Infrastructure Debt Fund: Pricipal business is to facilitate the flow of long term debt into infrastructural projects. Ex: L & T Infra Debt Fund Limited.

  • NBFC-Fators: Pricipal business is to do the factoring. Ex: Canbank Factors Limited, IFCI Factors Ltd.

  • Gold Loan Company: Pricipal business is to provide loan againest gold. Ex: Muthoot Finance, Manapuram Finance.

  • Account Aggrigators: Pricipal business is take business of account aggrigation for a fee. Ex; Finsec AA Solutions Private Limited.

  • Residuary Non-Banking Companies: Pricipal business is of to receive deposits. Ex: Fullerton India Credit Company Limited.

Why Should I register an NBFC Company

Below are the main reasons to register a Non Banking Financial Company (NBFC).

Limited Liability

The liability of the members of the Company is limited. The Directors or Shareholders are not personally liable for the debts of the Company. For example, when Company is in default of repayment of debt or loan, there is a protection to the personal assets of the Directors or Shareholders.

Aids Economic Development

Non Banking Financial Companies (NBFC) mobilize resources thereby converts savings in to investments, capital formations, provides long-term credits or specilized credits and helps in development of financial market. Further, NBFCs often take lead role in providing innovative financial services to Micro, Small, and Medium Enterprises (MSMEs) most suitable to their business requirements. NBFCs do play a critical role in participating in the development of an economy by providing a boost to transportation, employment generation, wealth creation, bank credit in rural segments and to support financially weaker sections of the society. Emergency services like financial assistance and guidance is also provided to the customers in the matters pertaining to insurance. They supplement the role of the banking sector in meeting the increasing financial needs of the corporate sector, delivering credit to the unorganized sector and to small local borrowers.

NBFCs are Game Changers

  • Sectoral Size: The NBFC sector has grown considerably in the last few years despite the slowdown in the economy.

  • Profitability: NBFCs are more profitable than the banking sector because of lower costs. This helps them offer cheaper loans to customers. As a result, NBFCs' credit growth - the increase in the amount of money being lent to customers.

  • Growth: On an average, it grew 22% every year. This shows, it is contributing more to the economy every year. In terms of year-over-year growth rate, the NBFC sector beat the banking sector in most years between 2006 and 2013.

  • Infrastructure Lending: NBFCs contribute largely to the economy by lending to infrastructure projects, which are very important to a developing country like India.

  • Inclusive Growth: They finance projects of small-scale companies, which is important for the growth in rural areas. NBFCs cater to a wide variety of customers - both in urban and rural areas. They also provide small-ticket loans for affordable housing projects. All these help promote inclusive growth in the country.

P2P Lending

P2P Lending is nothing but peer to peer lending. It is also known as Social Lending or crowd lending. Peer-to-peer (P2P) lending enables individuals to obtain loans directly from other individuals, setting out the financial institution as the middleman. P2P Companies have greatly increased its adoption as an alternative method of financing. The P2P lending business model is regulated by the Reserve Bank of India and recognized as Non- Banking Financial Company. Currently the business of P2P lending is emerged by Fintech companies in India. P2P lending companies connect borrowers directly to investors through online web portals. The P2P company sets the rates and terms and enables the transactions. P2P Lenders are Individual investors who wish to get a better return on their cash savings than a bank savings account. P2P borrowers seek an alternative to traditional banks or a better rate than banks offer.

Director Dual Role

The Director of the Company can be the employee of the Company. He can give his own premises on rent/lease to Company and Collect rent from it, he can give loan to the Company and can take loan from Company, he can supply goods or services to the Company and get consideration for that.

Separate Entity-Perpectual Succession

The members of the Company may come and may go but Company may not go that means the members are different and the Company is different. Company can own assets on it own name and can sell. It can sue and can be sued in a court of law.

Trading in Money Market

Non Banking Financial Companies (NBFC) can trade securities in Money Market whereas a normal company can not. An NBFC can manage portfolios of stocks and sahres. An NBFC can underwrite shares or stocks.

How to Register an NBFC Company

NBFC company can be registered as both Private or Public Company. To register it as Private, two directors and two shareholders are required and in cas of Public company, three directors and 7 shareholders are required. The shareholder may be a body corporate but the director must be an individual. You can find below the Documents required and Step by Step Company Registration Process.

Documents Required

  • A

    Directors & Members Documents

    1. PAN
    2. ID Proofs
      Aadhaar Card or Voter ID or Passport or Driver's License
    3. Address Proofs:
      Latest one month Savings Bank statement or
      Latest Telephone Bill on his own name or
      Latest Moblie Bill on his name or
      Latest Power Bill on his own name.
    4. Latest passport size photograph
    5. Email ids
    6. Mobile Numbers linked with their Aadhar
  • B

    Company Documents

    1. Registered Office Address Proof: Latest Power Bill
    2. No-objection letter from the Landlord.
    3. Rental Agreement from the landlord if the premises are rented.
    4. Company email id.

3 Step Company Registration Process:

  • 1

    Digital Signature Certificates

    Through eMudhra - One Hour Job

    We will apply Class-III DSCs through eMudhra Portal Online.

  • 2


    Through MCA Portal - 5 to 7 Days

    We will prepare the eMOA, eAOA, eSpice+ Form, eAGILE+ Form and upload with MCA portal by paying the requisite fee.

  • 3

    Certificate of Registration

    Through eMail - 1 Day

    After scrutiny, the MCA will approve the form and issues you the Certificate of Incorporation through email.

What All You Get

  • Certificate of Incorporation
  • Articles of Association
  • GST Registration
  • Import Export Code
  • Digital Signature Certificates
  • Company PAN
  • MSME Registration
  • Commencement of Business
  • Director Identification Numbers
  • Company TAN
  • PF Registration
  • Company Resolutions
  • Memorandum of Association
  • Company KIT
  • ESI Registration
  • Company Agreements

Why CompaniesHouse?

As an Official Company Registration Agent, we have built strong ties with the Ministry of Corporate Affairs, Govt of India since our own formation. Since we began, our goal has been to provide a seamless incorporation process that is quick and simple to use. Today, our company registration system is one of the most effective and efficient in India. In just over 5 minutes you can submit your new company name application, and often in just 3-5 days, your company will be fully registered. We also keep our company formation pricing competitive, while always exploring innovative ways to provide value to our customers. We are pleased to be one of the most affordable ways to start a company in India.

We have the expertise to advise which is the correct corporate structure they need to put in place. Most customers come to us for help registering a company limited by shares. The limited company structure is popular as it allows profits to be distributed amongst the shareholders while at the same time protecting them through the limited liability aspect. Our team has well over 20-years of combined expertise forming companies and providing corporate and secretarial services that help thousands of our clients grow their businesses each year.

We are incredibly passionate about the quality of our service, and we are incredibly proud of our customer feedback, as shown by our excellent reviews and ratings. Time and time again, we are selected for the value and expertise that our team is known for. We have helped shape the industry by providing innovative business services and bundled packages that have evolved alongside the needs of our customers.

Our clients have access to free support from an expert team. We are always on standby to help. If you need assistance at any point before, during, and after the registration of your company, you will be able to reach us by telephone or email.

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We are experts in our field, our team has over 20 years experience. Take the hassle out of setting up your business, rest assured that you are backed with the support you need to succeed.

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What Client Says

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What Next Once the NBFC Company is Registered

Congratulations!! on registering your new business venture. Most of the enterprenuers do not know what next once the Company is registered. You can find below the other mandatory registratons and statutory compliance requirements of a Company.

Other Registrations

  • A

    RBI License

    As per Section 45-IA of the RBI Act, 1934, no Non-banking Financial company can commence or carry on business of a non-banking financial institution without obtaining a certificate of registration from the Bank and without having a Net Owned Funds of ₹ Two crore. However, in terms of the powers given to the Bank, to obviate dual regulation, certain categories of NBFCs which are regulated by other regulators are exempted from the requirement of registration with RBI ie. Venture Capital Fund/Merchant Banking companies/Stock broking companies registered with SEBI, Insurance Company holding a valid Certificate of Registration issued by IRDA, Nidhi companies as notified under the Companies Act, 2013, Chit companies as defined in clause (b) of Section 2 of the Chit Funds Act, 1982,Housing Finance Companies regulated by National Housing Bank, Stock Exchange or a Mutual Benefit company.

  • B

    GST Registration

    GST registration is Mandatory if you are a Taxable dealer in sale of Goods or supply of Services. If the company is registered under Section 12AA of the Income Tax Act, 1961 and the services provided by the Company are for charitable cause, then GST is exempted.

  • C

    IPR Registration

    If you want to protect your Company, brand, literary work, invention, you need to apply for Trade Mark, Copyright, Patent respectively with the department of Intellectural Properties of India.

  • D

    Professional Tax Registration

    Professional Tax is Mandatory for the Companies registered in India. For all states it is not mandatory and infact only for 17 states it is mandatory.

  • E

    Shops & Establishments Registration

    Shops & Establishments registration is mandatory to register with the concerned State Labour Department.

  • F

    MSME Registration

    To avail the benefits under The Ministry of Micro, Small & Medium Enterprenuers Act, it is mandatory to get registered under this Act.

  • G

    Local Trade License

    The new company has to apply for Local Trade License with the Local Municipality or Municipal Corporation.

  • H

    PF Registration

    If your Company is covered under PF Act, you need to get the PF Registration. Now MCA is giving PF Registration along with Incorporation, you need not required to apply again separately, you need to enrol the employees once the threshold limit crosses.

  • I

    ESI Registration

    If your Company is covered under ESI Act, you need to get the ESI Registration. Now MCA is giving ESI Registration along with Incorporation, you need not required to apply again separately, you need to enrol the employees once the threshold limit crosses.

Company Compliance

  • 1

    Appointment of First Auditor

    You need to appoint a First Auditor of the Company with in 30 days from the date of Incorpration and file Form ADT-1 with MCA with in 15 days of appointment otherwise a maximum penalty of Rs. 3,900/- will be payable.

  • 2

    Commencement of Business

    You need to declare the deposit of Share Capital amount in Form INC-20A with the MCA with in 180 days of Incorporation, otherwise MCA will strikeoff your Company. Few banks also insists you to file this Form otherwise they will not activate your Company's Current Account.

  • 3

    Director KYC

    Every Director who has been allotted DIN on or before the end of the financial year, and whose DIN status is 'Approved', would be mandatorily required to file form DIR-3 KYC before 30th April of the immediately next financial year. Failure to file attracts a penalty of Rs. 5,000/- per Director and his/her DIN will be deactivated by the MCA.

  • 4

    Board Meetings

    Section-8 Company has to hold a meeting of it's Board of Directors twice in a Year.

  • 5

    Annual General Meeting (AGM)

    Every Company has to hold a meeting of it's members called Annual General Meeting on or before 6 month after closure of it's financial year.

  • 6

    Annual Report

    Every Company has to file a report called it's Annual Report in Form AOC-4 with MCA with in 30 days from the date it's AGM.

  • 7

    Annual Return

    Every Company has to file it's Annual Return in Form MGT-7 with in 60 days from the date of it's AGM.

  • 8

    Income Tax Return

    Every Company has to file it's Income Tax Return in form ITR-6 on or before 30th September of each year.

  • 9

    TDS Return

    Every Company which is subject to file TDS returns has to file it with in Due date to avoid penalty.

  • 10

    GST Returns

    Any Company which subject to file GST returns on QRMS basis has to file with in due date to avoid penalties.

  • 11

    RBI Returns

    Returns to be submitted by deposit taking NBFCs:
    Quarterly Returns on deposits in First Schedule.
    Quarterly return on Prudential Norms is required to be submitted by NBFC accepting public deposits.
    Quarterly return on Liquid Assets by deposit taking NBFC.
    Annual return of critical parameters by a rejected company holding public deposits.
    Monthly return on exposure to capital market by deposit taking NBFC with total assets of ₹ 100 crore and above.
    Half-yearly ALM Return
    Half-yearly ALM return by NBFC holding public deposits of more than ₹ 20 crore or asset size of more than ₹ 100 crore.
    Annual Financial Reports
    Audited Balance sheet and Auditor’s Report by NBFC accepting public deposits.
    Branch Information Report
    NBFC company has to file branch information report in the prescribed format.
    Returns to be submitted by non-deposit taking NBFCs:
    A Quarterly statement of capital funds, risk weighted assets, risk asset ratio etc.
    Monthly Return
    Monthly Return on Important Financial Parameters.
    NBS ALM-1
    Monthly return statement of short term dynamic liquidity
    NBS ALM-2
    Half yearly return statement of structural liquidity.
    NBS ALM-3
    Half yearly return statement of interest rate sensitivity.
    Branch Information Report
    Non Deposit taking NBFC company also needs to file branch information report in the prescribed format.

Let's Clear Your Doubts

What is DIN?

DIN stands for Director Identification Number. Every Director of the company will get this unique Director Identification Number subsequent upon the Company Incorporation. With this DIN, he/she can register any number of companies.

A DIN holder has to file his KYC with MCA every year on or before 30th day of September otherwise a penalty of Rs. 5000/- will be imposed.

What is DSC?

DSC stands for Digital Signature Certificate. Class-III Digital Signature Certificate is required for each Shareholder while registering his/her company.

There are different companies who issue Class-III DSCs. These companies are called DSC Certifying Authorities. We have associated with eMudhra Tamil Nadu. eMudhra is one of the largest Digital Signature Certifying Authority in India.

What is Authorised Share Capital?

An authorized share capital is a share capital amount upto which the shareholders can invest in equity of the company.infact, this the permission limit to invest amount into Equity Sharecapital.

What is Paidup Sharecapital?

Paid up share capital is an amount, which is deposited by the shareholders of the compnay in company's bank account towards share capital.

What is CIN?

A CIN is a company identificaton number, which is generated by the Ministry of Corporate Affairs while generating the Certificate of Incorporation.

We can treat it as the company registration number.

What is the duration for Company Registration?

If we apply direct incorporation without applying for Certificate of Name Availability, it may take 3 to 5 working days. Some times, it may be incorporated even in one day.

But it is advisable to apply first company name and then incorporation and in this case it may take 10 to 15 days.

What is the Government fee for NBFC Company Registration?

As the minimum share capital requirement is Rs.200 Lakhs and the company incorporation fee is approximately Rs. 350,000/-. However, this fee may be varied from state to state in India.

Can I start company from my home address?

Yes, you can start a Company from your home address too.

Can I register my Company on my own?

No, you can not register Company on your own as Professionals like Company Secretary/Chartered Accountant has to sign digitally along with a Director on the application forms, then only your Companay will be registered.

What is minimum amount of Sharecapital with wich I can start my Company?

Rs. 2 Crore.

What are the minimum number of Directors required to register an NBFC Company?

Minimum of two directors are required to register the NBFC Company.

What are the minimum number of members required to register an NBFC Company?

Minimum of two members are required to register the NBFC Company.

What are the differences between NBFC and BANK?

NBFC cannot accept demand deposits whereas the Bank can. NBFCs do not form part of the payment and settlement system and cannot issue cheques drawn on itself whereas the Bank can do. Deposit insurance facility of Deposit Insurance and Credit Guarantee Corporation is not available to depositors of NBFCs, unlike in case of Banks.

Does the Reserve Bank of India regulate all NBFC Companies?

No. Housing Finance Companies, Merchant Banking Companies, Stock Exchanges, Companies engaged in the business of stock-broking/sub-broking, Venture Capital Fund Companies, Nidhi Companies, Insurance companies and Chit Fund Companies are NBFCs but they have been exempted from the requirement of registration under Section 45-IA of the RBI Act, 1934.

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