NBFC Advisor

Want to Enter India’s Thriving Lending Sector—Without the Long Wait?

  • 06-Aug-2025
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Want to Enter India’s Thriving Lending Sector—Without the Long Wait?

India’s lending market is expanding rapidly, driven by digital innovation and growing credit demand. But setting up a new NBFC from scratch is often a long and regulatory-heavy process.

Looking for a faster alternative?
Purchasing an existing NBFC can get you up and running immediately.

🚀 Why Buying an NBFC is a Smart Move

Acquiring a registered NBFC offers a strategic shortcut into the lending ecosystem:

  • ✅ Already approved by the RBI

  • ✅ Instantly operational with existing systems

  • ✅ Active loan book and experienced staff

However, a takeover isn’t as simple as signing an agreement—it involves detailed checks, due diligence, and strict compliance with RBI rules.

🔍 What You Must Evaluate Before Taking Over an NBFC

To ensure a secure and compliant acquisition, pay attention to:

  • Financial Strength & Capital Adequacy
    Ensure the NBFC meets regulatory financial requirements and is fiscally sound.

  • Quality of the Loan Portfolio
    Assess NPA levels, credit risk, and portfolio performance.

  • Operational Readiness
    Evaluate the team, technology, and internal systems.

  • Compliance Track Record
    Check for RBI compliance history, legal disputes, or hidden liabilities.

  • Reputation in the Market
    Understand the company’s brand perception and borrower feedback.

📌 RBI Approval is Mandatory

You must obtain prior approval from the Reserve Bank of India before any change in control. Key steps in the process include:

  • Submitting an application with required documentation

  • Drafting and signing a Share Purchase Agreement (SPA) and MOU

  • Issuing public notices in newspapers

  • Filing updates with the Ministry of Corporate Affairs (MCA)

  • Verifying the buyer’s “fit and proper” status

Skipping or mishandling any of these steps can lead to delays or regulatory pushback.

🧩 Need Help with a Seamless NBFC Takeover?

We guide you through the entire 8-step acquisition process—from financial due diligence to RBI filings and final approval.

Our services include:

  • Full legal and financial checks

  • Documentation and agreement drafting

  • Public notice compliance

  • RBI application preparation and liaison

  • Post-acquisition transition support

📞 Let’s make your NBFC acquisition simple, swift, and compliant.
Book your free consultation today!
+91 93113 47006

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