RBI-Compliant Setup & Advisory by N D Savla & Associates

Housing finance is a regulated business with long-term responsibility. You’re dealing with retail borrowers, large-ticket loans, and systemic risk. RBI knows this. That’s why HFC registration is closely examined and never treated as a routine approval.

At N D Savla & Associates, we help promoters register Housing Finance Companies with clarity and regulatory discipline. Structured for approval. Built for sustainable operations.

What Is a Housing Finance Company?

A Housing Finance Company is a financial institution engaged primarily in providing finance for housing-related purposes such as:

• Home loans to individuals

• Loans against residential property

• Finance for housing projects

HFCs are regulated by the Reserve Bank of India under the RBI Act and applicable housing finance regulations. Compliance expectations are similar to NBFCs, with additional focus on asset quality and borrower protection.

When Is HFC Registration Required?

Registration is mandatory if:

• Housing finance is the principal business

• More than 50 percent of total assets are housing-related

• More than 50 percent of total income is derived from housing finance

If these thresholds are met or planned, RBI registration is compulsory.

Eligibility Criteria for HFC Registration

To apply for HFC registration, the company must:

• Be incorporated under the Companies Act, 2013

• Maintain minimum Net Owned Fund as prescribed by RBI

• Have promoters with clean financial and regulatory track records

• Demonstrate a viable housing finance business model

• Put in place strong governance, risk, and compliance systems

We evaluate eligibility before filing to avoid delays or rejection.

Our Housing Finance Company Registration Services

1. Feasibility & Eligibility Review

We assess:

• Promoter background and financial capacity

• Capital structure and source of funds

• Proposed housing finance portfolio

• Regulatory fit under RBI norms

This step sets the direction for the entire application.

2. Entity Structuring & Capital Planning

We assist with:

• Company incorporation or restructuring

• Net Owned Fund planning

• Shareholding and board composition

• Governance and control framework

HFC structuring must withstand RBI and market scrutiny.

3. Documentation & Policy Framework

We prepare:

• Detailed business plan and projections

• Credit policy and risk management framework

• Fair Practices Code

• Declarations and regulatory disclosures

Documentation is customised, not templated.

4. RBI Application & Approval Process

We manage:

• Filing of HFC registration application

• Submission of supporting documents

• Handling RBI queries and clarifications

• Continuous follow-up until registration is granted

Precision and responsiveness matter at this stage.

5. Post-Registration Compliance Support

After approval, we support:

• RBI reporting and periodic returns

• Compliance calendar setup

• Audit coordination and inspection readiness

• Ongoing advisory on regulatory changes

Registration is the start. Compliance keeps the license intact.

Who Should Consider HFC Registration?

• Promoters entering home loan or mortgage finance

• Real estate groups setting up captive housing finance arms

• Financial services groups expanding into housing finance

• Investors planning a regulated housing finance platform

HFC registration suits serious, well-capitalised players with long-term intent.