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SECTOR · FINTECH & DSA

Finance & Fintech Company Registration in India

Register your fintech, loan-DSA or financial-services business as a Private Limited Company in 7 working days — with a real Chartered Accountant team that knows where the RBI line sits. Transparent pricing, WhatsApp-first.

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  • ₹8,999 all-inclusive · 2 directors
  • Real CA-led filing
  • Fintech / DSA / advisory
  • Clear on the RBI line

What "finance company registration" really means

Most founders who search for a finance company actually want to build a fintech platform, a loan DSA, or a financial-services business — not a bank. For all of these, the entity is a standard Private Limited Company, incorporated through the MCA's SPICe+ system. That's a fast, ₹8,999 process.

The one line that matters:

If your business lends on its own book or takes deposits, that's an NBFC — and an NBFC needs a separate RBI licence, with a substantial minimum Net Owned Fund. This page is for the many fintech and finance-services models that don't need that licence. We tell you honestly which side of the line you're on before you spend a rupee.

Which finance model are you building?

NO RBI LICENCE

Loan DSA / DMA

You source loans for banks and NBFCs and earn commission — you don't lend yourself. A Private Limited plus empanelment with the lender is all you need.

NO RBI LICENCE

Fintech SaaS / platform

You build lending, payments or wealth technology for licensed partners. You're a tech provider, not the regulated entity — a plain company works.

SEPARATE REG.

Advisory / wealth-tech

Giving investment advice can require SEBI registration (RIA); distributing insurance needs an IRDAI POSP tie-up. Incorporate first, then register.

RBI LICENCE

NBFC / lending / deposits / PA

Lending on your own book, taking deposits, or running a payment aggregator needs RBI authorisation. A different, heavier route — not covered by plain incorporation.

A naming trap founders hit

The MCA restricts finance words in company names. Using "Finance", "Financial", "Investment", "Capital" or similar in your name can trigger a declaration or a regulator NOC at the name-approval stage — and words like "Bank", "Banking", "Mutual Fund", "Stock Exchange" are effectively off-limits without the regulator behind you. [confirm exact restricted-word list & current RBI NOF before publish] We choose a name that clears approval on the first try and still fits your brand.

Transparent pricing

All-inclusive
₹8,999company registration · 2-director Pvt Ltd

Included in company registration

  • Company name reservation
  • 2 Digital Signature Certificates (DSC)
  • DIN for both directors (via SPICe+)
  • MCA / government fees, where applicable
  • Professional fee & filing
  • Certificate of Incorporation, PAN & TAN

Separate (if your model needs it)

  • DSA empanelment support
  • GST registration
  • SEBI (RIA) / IRDAI (POSP)
  • RBI NBFC / PA licence (heavy)
  • MSME / DPIIT (optional)

State stamp duty at actuals. Any RBI/SEBI/IRDAI licence is a separate regulated process — never bundled into the ₹8,999.

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The registration process

  1. 1
    Confirm your model & name

    We map your business to the right side of the RBI line and reserve a compliant name via SPICe+ Part A.

  2. 2
    DSC & incorporation filing

    Both directors' DSCs, then SPICe+ Part B with MoA, AoA and AGILE-PRO-S. DIN, PAN and TAN in the same form.

  3. 3
    Certificate of Incorporation

    MCA issues your CoI with CIN, typically within 7 working days. Your company legally exists.

  4. 4
    Empanelment or licence

    We then help with DSA empanelment, GST, or — only if your model needs it — the SEBI/IRDAI/RBI route.

See the general registration process and a full fee & cost breakdown.

Finance & fintech registration FAQs

Do I need an RBI licence to register a finance company?
Not for most fintech, DSA or financial-services models. You need an RBI licence only if you lend on your own book, take deposits, or run a payment aggregator (an NBFC/PA). Many finance-services businesses don't — we confirm your case first.
Can I run a loan DSA company without an RBI licence?
Yes. A loan DSA sources loans for banks and NBFCs and earns commission — it doesn't lend itself, so no RBI licence is required. You incorporate a Private Limited and empanel with the lenders.
Can I use "Finance" or "Capital" in my company name?
Sometimes, but the MCA restricts finance-related words. Using "Finance", "Investment" or "Capital" can require a declaration or regulator NOC at name approval; "Bank" and similar are effectively off-limits without the regulator. We pick a name that clears on the first attempt.
Is a fintech company an NBFC?
Not necessarily. A fintech that builds technology or acts as an agent is not an NBFC. It becomes NBFC territory only when it lends or invests on its own book — which triggers RBI registration.
How much does finance company registration cost?
The company registration itself is ₹8,999 all-inclusive for a 2-director Private Limited Company. Any DSA empanelment, GST, or RBI/SEBI/IRDAI registration is separate.
How long does it take?
The Private Limited incorporation is typically 7 working days. Empanelment and any regulatory licence take additional time.

Start your fintech company the right way

A real Chartered Accountant incorporates you and tells you honestly which side of the RBI line you're on — not a call centre. Company registration at a transparent ₹8,999.

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