Formation — your regulatory foundation
From company incorporation to RBI NBFC registration, we handle the entire legal and regulatory setup. Every licence, every filing, every compliance document — managed end-to-end.
Making your fintech ambitions come true
Do you have aspirations of becoming a successful fintech startup in India? Feeling overwhelmed by the difficulties involved in fintech business formation? Not sure how to start this thrilling adventure? Our formation service takes you from "idea on paper" to "legally operational lending entity" — with every regulatory milestone handled.
Formation is where most first-time founders stumble. The Indian regulatory landscape for financial services is layered — RBI, MCA, GST, DPDP Act, Information Technology Act — and missing a single filing can delay your launch by months. Our team has done this 15+ times. We know the shortcuts, the bottlenecks, and the questions RBI is going to ask.
All-inclusive assistance
We provide a comprehensive range of services to enable you to confidently launch your fintech business. From the first MCA incorporation filing to the final RBI Certificate of Registration, every step is handled by our compliance team — with weekly progress reports so you always know where you stand.
Tailored guidance
Our experience guarantees that your startup is in line with your particular objectives and vision. Different lending models require different regulatory pathways — NBFC, DLA, P2P, Account Aggregator. We help you choose the right one based on your capital, timeline, and risk appetite.
Clarity among complexity
We provide a clear road map for success by demystifying the startup process. You'll receive a personalized formation checklist with 40-60 specific tasks, dependencies, timelines, and required documents — so the regulatory maze becomes a straightforward project plan.
What our formation engagement covers
Regulatory expertise
Maintain compliance with changing industry standards and fintech legislation. Our compliance team includes ex-RBI officers who have been on the other side of the table — they know what the regulator looks for, what raises red flags, and what gets approved quickly.
Business form selection
For your fintech endeavour, choose the appropriate legal form. Private limited company, LLP, public limited — each has implications for fundraising, regulatory approval, and operational flexibility. We help you choose based on your 5-year plan, not just your immediate needs.
Registration and licensing
To ensure legal operation and compliance in the Indian fintech market, registration and licensing are necessary. We handle:
- MCA incorporation — Company registration with Registrar of Companies
- PAN & TAN — Auto-linked during incorporation
- GST registration — State-wise if operating across India
- RBI NBFC registration — Section 45-IA of RBI Act, 1934
- Digital Lending Guidelines compliance — KFS template, LSP agreement
- DPDP Act compliance — Data privacy policy, consent flows
- Trade licence & local registrations — State-specific requirements
Tax planning
Make the most of your initial tax plan. We structure your tax obligations efficiently from day one — GST input credit, TDS compliance, advance tax planning, and tax-efficient capital structure.
Document preparation
Give the paperwork to us to take care of so you can concentrate on creativity. Our team prepares all compliance documents — Memorandum & Articles of Association, board resolutions, KYC/AML policy, IT & cybersecurity policy, Fair Practices Code, grievance redressal policy, and 30+ other mandatory documents.
Adherence to regulations
Keep abreast of evolving regulations with professional advice. RBI guidelines change frequently — Digital Lending Guidelines were updated twice in 2024 alone. Our compliance team monitors regulatory changes proactively and ensures your filings reflect the latest requirements.
Aid with licensing
Obtain the licenses required to conduct business legally. Beyond RBI, depending on your model you may need SEBI registration (for investment products), IRDAI approval (for insurance distribution), or specific state-level money-lending licences. We identify and obtain all of them.
Start your fintech adventure here
Formation is the foundation everything else is built on. Get it right the first time — talk to our compliance team before you file anything.
Get Formation Help