Regulatory & Strategic Advisory by N D Savla & Associates

Taking over an NBFC is often faster than applying for a fresh license. But it’s also far more sensitive.

You’re not just buying a company. You’re stepping into its regulatory history, its loan book, and its relationship with the Reserve Bank of India. One overlooked compliance gap can stall RBI approval or create long-term exposure after the takeover.

At N D Savla & Associates, we manage NBFC takeovers with one clear objective: regulatory certainty before, during, and after the transaction.

What Is an NBFC Takeover?

An NBFC takeover involves a change in shareholding, management, or control of an existing RBI-registered NBFC. Any such change requires prior approval from RBI under applicable regulations.

RBI evaluates:

• New promoters and directors

• Source of funds

• Financial soundness

• Past compliance track record of the NBFC

• Future business intent

This makes structured execution essential.

Our NBFC Takeover Services

1. Pre-Transaction Advisory

We begin by understanding:

• Your acquisition objective

• Existing NBFC structure and license category

• Regulatory feasibility of the takeover

This avoids entering deals that are unlikely to receive RBI approval.

2. NBFC Due Diligence

We conduct detailed regulatory and financial due diligence covering:

• RBI compliance status and past correspondence

• Asset quality and loan portfolio review

• Capital adequacy and Net Owned Fund position

• Statutory, tax, and ROC compliances

• Pending litigations or regulatory risks

You get a clear picture of what you’re acquiring. No blind spots.

3. Structuring the Takeover

We assist with:

• Share transfer and change-in-control structuring

• Board and management reconstitution

• Capital infusion planning, if required

• Alignment with RBI ownership norms

The structure is designed to be approval-ready, not just commercially convenient.

4. RBI Approval Process

We handle the complete RBI approval process, including:

• Drafting application and declarations

• Preparing background notes on new promoters

• Filing with RBI and managing follow-ups

• Responding to RBI queries and clarifications

This phase decides the success of the takeover. Precision matters.

5. Post-Takeover Compliance Alignment

After approval, we support:

• Updating RBI and ROC records

• Revising policies and compliance frameworks

• Setting up ongoing compliance calendars

• Preparing for RBI inspection readiness

The goal is a clean regulatory slate post-acquisition.

Who Should Consider an NBFC Takeover?

• Promoters looking for faster market entry

• Investors acquiring an operational NBFC

• Groups expanding lending or financial services

• Entities restructuring or exiting NBFC operations

A takeover works best when executed with regulatory foresight.

Why Choose N D Savla & Associates?

NBFC takeovers demand judgment, not templates.

• Strong experience in RBI-facing transactions

• End-to-end handling from diligence to approval

• Clear communication with promoters and stakeholders

• Practical risk assessment, not theoretical opinions

• Single-point accountability throughout the process

We don’t chase deals. We protect outcomes.