End-to-End Advisory by N D Savla & Associates

Here’s the thing. Running or setting up an NBFC in India isn’t just about getting an RBI certificate and moving on. It’s a tightly regulated space. Miss one condition, one return, or one compliance window, and the consequences show up fast.

This is where the right advisory partner matters.

At N D Savla & Associates, we support NBFCs at every stage: entry, operations, restructuring, and ongoing compliance. Our role is simple. We handle the regulatory complexity so promoters and management can focus on the business.

What Is an NBFC?

A Non-Banking Financial Company is a financial institution registered with the Reserve Bank of India under the RBI Act, 1934. NBFCs can engage in lending, investment, leasing, hire-purchase, and other financial activities but cannot accept demand deposits like banks.

Because NBFCs deal with public funds and credit risk, RBI oversight is strict. This makes professional guidance non-negotiable.

Our NBFC Services

1. NBFC Registration with RBI

We manage the complete registration process from start to finish, including:

• Entity structuring and eligibility assessment

• Minimum Net Owned Fund planning

• Preparation of business plan and financial projections

• Drafting of policies and declarations

• RBI application filing and follow-ups

We don’t just file forms. We make sure your application stands up to RBI scrutiny.

2. NBFC Annual & Ongoing Compliance

NBFC compliance is continuous, not annual. We ensure you stay compliant throughout the year with:

• RBI returns and periodic filings

• Statutory audit coordination

• Board meeting and governance compliance

• ROC filings under Companies Act

• Fair Practices Code and policy reviews

The goal is zero surprises during inspections or audits.

3. NBFC Takeover & Acquisition Advisory

Planning to acquire an existing NBFC or sell one?
We assist with:

• Regulatory due diligence

• RBI approval process for change in control

• Valuation and structuring support

• Post-takeover compliance realignment

This is one area where mistakes are expensive. Our focus stays on risk control and regulatory clarity.

4. NBFC Due Diligence

Whether you’re an investor, buyer, or lender, we conduct detailed NBFC due diligence covering:

• RBI compliance status

• Asset quality and loan book review

• Capital adequacy and financial health

• Past regulatory observations and risks

You get a clear, decision-ready picture. No fluff.

5. Appeal Against NBFC Registration Cancellation

If an NBFC faces cancellation or adverse RBI action, we assist with:

• Case analysis and compliance gap review

• Drafting representations and appeals

• Regulatory response strategy

• Corrective compliance implementation

These matters require precision, not panic. We handle them accordingly.

6. Specialized NBFC Advisory

We also support:

• Microfinance Company registration

• NBFC restructuring and conversion

• Net Owned Fund augmentation planning

• Internal control and compliance framework setup

Why Choose N D Savla & Associates for NBFC Services?

Because NBFC advisory isn’t about volume. It’s about judgment.

• Deep experience with RBI-facing matters

• Practical understanding of regulatory intent

• Clear communication with promoters and boards

• Structured processes with documented accountability

• One-point coordination for audit, ROC, and RBI

We don’t overpromise. We prepare properly.

Who We Work With

• New NBFC promoters

• Existing NBFCs across lending segments

• Investors acquiring NBFCs

• Groups restructuring financial entities

If RBI compliance touches your business, we’re already in familiar territory.