RBI Licensing Services
Banking, Payments & Lending Licenses
From NBFC registration to payment aggregator licenses — we handle the full RBI licensing lifecycle for fintech founders, lenders, and payment innovators.
15 RBI licenses
End-to-end advisory, filing and post-license compliance. Fixed-fee engagements.
NBFC Registration
Non-Banking Financial Company license for lending and investment activities.
- Timeline
- 6–9 months
- Capital
- ₹10 Cr NOF
- Best for
- Lending startups, asset finance companies
Payment Aggregator License
Authorisation to onboard merchants and process online payments.
- Timeline
- 9–12 months
- Capital
- ₹25 Cr NW
- Best for
- Payment gateways, marketplaces
TPAP License
Third-Party Application Provider license for UPI-based payment apps.
- Timeline
- 3–6 months
- Capital
- As per NPCI norms
- Best for
- UPI apps, fintech wallets
PPI / Wallet License
Prepaid Payment Instrument license for issuing wallets and prepaid cards.
- Timeline
- 9–12 months
- Capital
- ₹15 Cr NW
- Best for
- Wallet operators, gift card issuers
P2P Lending License
NBFC-P2P license to operate a peer-to-peer lending marketplace.
- Timeline
- 6–9 months
- Capital
- ₹2 Cr NOF
- Best for
- P2P marketplaces, alt lenders
Payment Bank License
License to accept deposits up to ₹2L and offer payments services.
- Timeline
- 12–18 months
- Capital
- ₹100 Cr
- Best for
- Telcos, large fintechs
Small Finance Bank License
Differentiated bank license for underserved segments.
- Timeline
- 18–24 months
- Capital
- ₹200 Cr
- Best for
- Microfinance, niche banks
FFMC License
Full-Fledged Money Changer license for forex services.
- Timeline
- 3–6 months
- Capital
- ₹25 L NOF
- Best for
- Travel companies, forex dealers
Account Aggregator License
NBFC-AA license to facilitate consented financial data sharing.
- Timeline
- 6–9 months
- Capital
- ₹2 Cr NOF
- Best for
- Data fintechs, lenders
Core Investment Company
CIC registration for holding companies investing in group companies.
- Timeline
- 4–6 months
- Capital
- ₹100 Cr asset size
- Best for
- Conglomerates, holdcos
Asset Reconstruction Company
ARC license for acquiring and resolving stressed financial assets.
- Timeline
- 9–12 months
- Capital
- ₹300 Cr NOF
- Best for
- Stressed asset specialists
Factoring Registration
Registration to engage in factoring of receivables.
- Timeline
- 4–6 months
- Capital
- As per NBFC norms
- Best for
- Trade finance, supply chain
Infrastructure Debt Fund
NBFC-IDF license for refinancing infrastructure projects.
- Timeline
- 6–9 months
- Capital
- ₹300 Cr NOF
- Best for
- Infra-focused lenders
Mortgage Guarantee Company
MGC license to guarantee mortgage-backed loans.
- Timeline
- 9–12 months
- Capital
- ₹100 Cr NOF
- Best for
- Housing finance enablers
White Label ATM Operator
Authorisation to deploy and operate non-bank ATMs.
- Timeline
- 6–9 months
- Capital
- ₹100 Cr NW
- Best for
- ATM operators, fintechs
Unsure which RBI license fits your model?
30-minute call with a senior regulatory advisor. Free, no obligation.