The short answer
NBFC registration needs the certificate of incorporation, MoA and AoA, proof of net owned fund with a bank certificate for the fixed deposit, audited financials, a detailed business plan, credit and KYC policies, director and shareholder profiles with KYC and credit reports, and declarations such as fit and proper and non-involvement in prohibited activities.
Capital proofBank certificate for FD
PlanBusiness plan
PeopleDirector KYC and credit reports
Company documents
- Certificate of incorporation, MoA, AoA
- Board resolutions
- Shareholding pattern
Financial documents
- Net owned fund certificate
- Bank FD certificate
- Audited financials
Business documents
- Business plan with projections
- Credit, KYC, fair practices and grievance policies
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- KYC and experience details
- Credit information reports
- Fit and proper declarations
Frequently asked questions
Do shareholders need to provide documents?
Yes, especially major shareholders, including source of funds.
Is prior financial services experience needed?
RBI expects directors with relevant experience.
Are policies reviewed by RBI?
Yes, as part of assessing readiness.
Are original documents needed?
Certified copies are submitted; RBI may ask for originals.
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