Financial, Regulatory & Compliance Review by N D Savla & Associates

Due diligence isn’t about finding faults. It’s about knowing exactly what you’re stepping into.

Whether you’re acquiring an NBFC, investing in a financial company, or restructuring an existing entity, decisions made without proper diligence usually come back as regulatory issues, financial losses, or delayed approvals.

At N D Savla & Associates, we conduct practical, decision-focused due diligence. Clear findings. Real risks. No noise.

What Is Due Diligence?

Due diligence is a structured review of a company’s financial health, regulatory compliance, operational practices, and legal standing. For NBFCs and regulated entities, this also includes a deep review of RBI compliance and governance standards.

The objective is simple: help you make an informed decision before money or control changes hands.

Our Due Diligence Services

1. Regulatory & Compliance Due Diligence

We examine:

• RBI registrations and license conditions

• Past RBI inspections and observations

• Compliance with prudential norms and reporting

• Fair Practices Code and internal policies

• Ongoing and historical regulatory gaps

This is critical for NBFCs, fintechs, and financial institutions.

2. Financial Due Diligence

Our review covers:

• Financial statements and audit reports

• Asset quality and loan book analysis

• Capital adequacy and Net Owned Fund

• Revenue sustainability and expense structure

• Cash flow and stress indicators

You understand the numbers behind the valuation.

3. Corporate & Legal Due Diligence

We assess:

• ROC filings and statutory registers

• Shareholding and management structure

• Pending litigations or notices

• Related party transactions

• Contractual and governance risks

No hidden exposures.

4. Operational Due Diligence

We evaluate:

• Internal controls and processes

• Documentation and record management

• Risk management framework

• Compliance readiness for inspections

This tells you how the business actually runs, not just how it reports.

When Is Due Diligence Recommended?

• NBFC takeover or acquisition

• Investor entry or exit

• Merger or restructuring

• Funding rounds

• Strategic partnerships

If control, capital, or responsibility is changing, diligence is not optional.

What You Receive

• Detailed due diligence report

• Risk classification and impact analysis

• Actionable recommendations

• Clear go / no-go insights

The report is written for decision-makers, not just auditors.

Why Choose N D Savla & Associates?

Good diligence requires judgment.

• Strong experience with regulated entities

• Practical RBI and compliance understanding

• Focus on material risks, not checklist reviews

• Clear, structured reporting

• Independent and unbiased assessment

We don’t over-document. We surface what matters.