Financial Services
Financial Services
Financial Services
Empower your Non-Banking Financial Company or Fintech venture with our unparalleled expertise
Delivering innovative solutions that drive compliance, efficiency, and exponential growth.
From seamless regulatory registrations and risk-averse compliance frameworks to strategic management advisory, we partner with you to navigate the evolving financial ecosystem — minimizing liabilities while maximizing opportunities for sustainable success and market leadership.
Our comprehensive suite of services spans the entire business lifecycle — from NBFC and fintech licensing, digital lending structures, and RBI compliances to policy formulation, governance audits, and transaction advisory. We help you stay ahead of regulatory shifts with proactive insights, enabling your business to scale confidently and compliantly.
With a deep understanding of both domestic and cross-border financial regulations, our team ensures that your operations are not only compliant but also strategically aligned for long-term growth. Whether you’re a startup exploring India’s financial market or an established NBFC optimizing its operations, our advisory approach blends precision, innovation, and foresight to deliver tangible value.
At every stage, we are committed to being your trusted partner — driving regulatory clarity, operational excellence, and strategic advantage in an increasingly competitive financial landscape
Our Services
Our expert team streamlines the registration process for new Non-Banking Financial Companies, including seamless onboarding with critical platforms like CERSAI, CKYCR, and Credit Information Companies (CICs). We prepare tailored Standard Operating Procedures (SOPs), policies, and foundational business documents to ensure a compliant launch. Partner with us to establish a solid regulatory foundation that accelerates your entry into the fintech market and minimizes early-stage risks.
We deliver end-to-end compliance services, from preparing and filing returns to maintaining detailed compliance calendars and conducting internal audits aligned with RBI guidelines and circulars. Our advisory on digital lending protocols and Data Protection and Digital Personal Data Protection (DPDP) regulations keeps your operations secure and forward-compliant. Join our consultancy to benefit from proactive monitoring that prevents penalties and fosters trust with regulators and stakeholders.
Navigate ownership changes, RBI inspections, and financial structuring with our specialized support, including robust risk management solutions and documentation. We expertly handle administrative complaints and regulatory notices, ensuring swift resolutions. Engage our services to enhance operational resilience, optimize risk strategies, and position your NBFC or fintech firm for long-term profitability and market dominance.
FAQs
We assist with the entire lifecycle of a Fintech or NBFC venture. This includes Company Incorporation, RBI Registration (NBFC License), Digital Lending Platform compliance, and drafting of loan policies. We also handle post-registration compliance to ensure you remain in good standing with the RBI.
Yes, we provide comprehensive compliance management, including RBI reporting, CKYC registration, FIU-IND registration, and internal audits to ensure your NBFC adheres to the latest Reserve Bank of India regulations.
If you are lending from your own books, yes, you need an NBFC license. However, if your app only acts as a platform to connect borrowers with an existing registered NBFC or Bank, you are classified as a Lending Service Provider (LSP). In this case, you do not need an NBFC license yourself, but you must strictly adhere to the RBI’s Digital Lending Guidelines (DLG), which govern data privacy, cooling-off periods, and grievance redressal.
FLDG is an arrangement where a fintech (LSP) compensates the regulated entity (NBFC/Bank) if the borrower defaults. As per the latest RBI guidelines, FLDG is permitted but capped at 5% of the default loan portfolio. We assist in drafting FLDG agreements that are strictly compliant with these RBI caps to avoid regulatory penalties.
To operate as a Payment Aggregator (handling funds on behalf of merchants), you must obtain authorization from the RBI under the Payment and Settlement Systems Act. Key requirements include:
- Minimum Net Worth of ₹15 Crores at the time of application (scaling to ₹25 Crores later).
- Robust IT governance and data security mechanisms.
- Adherence to merchant onboarding and settlement timelines.
As of the latest RBI Master Directions, the minimum NOF requirement for registering a new Investment and Credit Company (NBFC-ICC) has been raised to ₹10 Crores. However, for specialized categories like P2P Lending platforms or Account Aggregators, the requirement is currently ₹2 Crores. We can help you structure your capital to meet these norms before filing.
The RBI mandates that all directors of an NBFC must clear the “Fit and Proper” test. This involves a due diligence process checking for:
- Clean criminal and financial track record (no wilful defaults).
- Relevant experience in finance/banking.
- Financial solvency.
- We conduct this due diligence and file the necessary declarations with the RBI on your behalf.
No. P2P lending platforms are regulated as NBFC-P2P. You must obtain a Certificate of Registration (CoR) from the RBI. Unlike standard NBFCs, P2P platforms cannot lend their own funds or hold a credit risk; they can only act as an intermediary. We assist in setting up the required escrow mechanisms and trustee structures mandated for P2P platforms.
All NBFCs (including fintechs) must report borrower data (loans sanctioned, defaults, repayment history) to Credit Information Companies (CICs) like CIBIL, Equifax, Experian, and CRIF Highmark. This reporting must be done on a monthly basis or as specified. Our compliance team handles the technical integration and periodic data submission to all four CICs for you.
Yes. Any NBFC granting loans against equitable mortgages or hypothecation of assets must register the security interest with CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest) within 30 days of the transaction. We manage these filings to ensure your legal claim over the collateral is secured.