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Housing Finance Company Registration | ND Savla & Associates
Housing Finance Company Registration
RBI Registration for Housing Finance Company (HFC)
A Housing Finance Company (HFC) is a specialised financial institution primarily engaged in
providing finance for housing-related purposes such as home purchase, construction,
renovation, and plot loans.
Housing Finance Companies are regulated by the Reserve Bank of India (RBI) under the RBI Act
and relevant HFC Master Directions. RBI registration is mandatory before commencing operations.
ND Savla & Associates assists promoters in setting up Housing Finance Companies with proper
structuring, RBI approvals, and end-to-end compliance support.
Permissible Activities of a Housing Finance Company
Home Loans
Financing for purchase, construction, or extension of residential houses.
Renovation & Repair Loans
Loans for repairs, upgrades, and improvement of residential properties.
Plot & Property Loans
Funding for purchase of residential plots and housing-related assets.
Eligibility Criteria for HFC Registration
- Company incorporated under the Companies Act, 2013
- Minimum Net Owned Fund (NOF) of ?20 Crore or as prescribed by RBI
- At least 50% of total assets deployed in housing finance
- Housing finance to be the principal business activity
- Fit and proper promoters, directors, and management
Our Housing Finance Company Services
Company Structuring
Advisory on incorporation, capital structure, and business planning.
RBI Registration
Preparation and filing of Housing Finance Company application with RBI.
Ongoing Compliance
Support for RBI returns, governance, and regulatory compliance.
Housing Finance Company Registration Process
- Incorporation of company with housing finance object clause
- Capital infusion to meet NOF requirement
- Preparation of business plan and lending policies
- Submission of application on RBI COSMOS portal
- RBI review, clarification, and grant of Certificate of Registration
Who Should Register a Housing Finance Company?
- Promoters planning to enter the housing finance sector
- Real estate groups expanding into housing finance
- NBFCs looking to convert into HFC operations
- Investors focused on long-term housing finance opportunities
Planning to Set Up a Housing Finance Company?
Get expert guidance for RBI registration, documentation, and compliance.
Speak with HFC Experts
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