RBI Registration for NBFC – P2P
Peer-to-Peer (P2P) lending platforms connect individual lenders with borrowers through a digital
marketplace without taking deposits or lending on their own balance sheet.
In India, P2P lending platforms must be registered with the Reserve Bank of India as
NBFC – Peer to Peer Lending Platforms under the RBI Master Directions.
ND Savla & Associates provides end-to-end assistance for obtaining a P2P Lending License,
including RBI application, platform structuring, and post-licensing compliance.
Key Features of NBFC–P2P Model
Marketplace Model
Acts only as an intermediary between lenders and borrowers.
No Balance Sheet Lending
Platform cannot lend or borrow funds on its own account.
RBI-Regulated Operations
Operations governed by RBI NBFC–P2P Master Directions.
Eligibility Criteria for P2P Lending License
- Company incorporated under Companies Act, 2013
- Minimum Net Owned Fund (NOF) of ?2 Crore
- Technology-driven platform with strong IT controls
- Fit and proper promoters and directors
- Clear business model aligned with RBI guidelines
Our P2P Lending License Services
Company & Platform Structuring
Advisory on corporate structure and P2P operational framework.
RBI Application Filing
Preparation and submission of NBFC–P2P license application.
Post-License Compliance
Support for reporting, audits, and ongoing RBI compliance.
P2P Lending License Process
- Incorporation of company with P2P lending object clause
- Capital infusion to meet NOF requirement
- Preparation of business plan and platform policies
- Filing of application on RBI COSMOS portal
- RBI review, clarification, and grant of NBFC–P2P registration
Who Should Apply for a P2P Lending License?
- Fintech startups launching P2P lending platforms
- Existing platforms seeking RBI regularisation
- Entrepreneurs entering digital lending space
- Companies operating lender-borrower marketplaces