Net Worth Certificate for NBFC RBI Registration

An NBFC NOF certificate proves your company meets the RBI's capital threshold to commence non-banking financial business. Patron Accounting has supported over 10,000 clients, and our CAs issue UDIN-verified certificates from audited books.

We prepare the CA-certified Net Owned Funds certificate that evidences your INR 10 crore NOF for the RBI Certificate of Registration application, drawn from audited financials with a valid UDIN, the statutory financial document the RBI expects in your CoR file.

Content is reviewed quarterly for accuracy.

The minimum Net Owned Funds depends on the NBFC category, and new applicants are expected to meet the full requirement upfront.

• New NBFCs: INR 10 crore NOF, applicable ab initio at registration.
• Existing NBFCs: a glide path, INR 5 crore by March 2025 and INR 10 crore by March 2027.
• P2P, account aggregators, and no-public-funds NBFCs: INR 2 crore.
• Infrastructure finance (IFC) and IDF-NBFC: INR 300 crore.

• Audited financial statements and the latest balance sheet.
• Certificate of incorporation, MOA, AOA, and CIN.
• Share capital, securities premium, and reserves details.
• Bank statements and proof of capital infusion.
• Investment schedule and any encumbrance details.

Tell us the proposed NBFC category so we compute NOF to the correct threshold.

What the certificate contains: the company name, CIN, and reference date; owned funds and the prescribed deductions, with the NOF figure; confirmation the NOF is unencumbered, from audited financials; and the CA signature, seal, membership and firm numbers, and UDIN.

All fees and charges listed are indicative only and do not constitute a binding offer. Final amounts may vary depending on the volume of work and the complexity involved.

Professional service charges for drafting, filing, and representation are separate from the statutory fees. The exact fee depends on the complexity of the case, disputed amount, and number of hearings required. Contact us for a detailed quote.

Get a free Net Worth Certificate for NBFC RBI Registration consultation - Call +91 945 945 6700 or WhatsApp us. No-obligation assessment.

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Outcome proof: a company seeking an NBFC licence needed its INR 10 crore Net Owned Funds certified from audited books for the RBI CoR application; we computed the NOF to the prescribed rules, confirmed it unencumbered, and issued the UDIN-verified certificate as part of a coordinated registration file.

With offices in Pune, Mumbai, Delhi, and Gurugram, Patron Accounting serves NBFC promoters across India - both in-person and remotely.

This certificate connects to these closely related services:

• Net Worth Certificate - the pillar net worth certification service.
• Net Worth Certificate for Companies - the entity-net-worth sibling certificate.
• Net Worth Certificate for Directors (Fit and Proper) - for the directors' RBI fit and proper criteria.
• Statutory Audit - the audited base the NOF is drawn from.
• Private Limited Company Registration - the company set-up that precedes the NBFC licence and the wider NBFC registration work.

Net Owned Funds is the RBI's capital measure for an NBFC, broadly the owned funds, paid-up capital, free reserves, and securities premium, less specified deductions such as accumulated losses and certain investments. For a new NBFC, the RBI expects the full INR 10 crore upfront, unencumbered and verifiable through audited financial statements. The net worth, or NOF, certificate is how that figure is independently certified for the Certificate of Registration application.

The NOF certificate is one part of a larger CoR file. The applicant must be a company under the Companies Act, 2013, meet the Principal Business Criteria, where financial assets and income each form the major share, and satisfy the four-layer Scale Based Regulation framework, with the application made through the RBI's COSMOS portal. Directors must have a clean credit record and meet the fit and proper criteria, which is where our directors fit and proper net worth certificate also helps. We certify the NOF from your audited books and coordinate with the wider NBFC registration work, which builds on private limited company registration.

For NBFC registration, Section 45-IA, the COSMOS portal, and the Scale Based Regulation framework, refer to the Reserve Bank of India (rbi.org.in). The certificate is the statutory financial evidence of the Net Owned Funds for the RBI Certificate of Registration application, drawn from audited financials; it is not, by itself, the NBFC registration, which the RBI grants.

An NBFC Certificate of Registration application is closely scrutinised by the RBI, and the Net Owned Funds is the threshold that gates eligibility. A NOF figure computed loosely, funds not clearly unencumbered, or a certificate out of step with the audited financials can stall or jeopardise the application. A correctly computed, audited-based, UDIN-verified NOF certificate gives the RBI exactly the evidence it expects.

Get a free, no-obligation quote. Call +91 945 945 6700 or WhatsApp our team today.

For an NBFC licence, the Net Owned Funds is the gate, and the certificate is the proof. Patron Accounting computes your NOF to the RBI's rules, certifies it from audited financials with a verifiable UDIN, and coordinates with the wider Certificate of Registration work.

The result is an application that carries credible, statutory evidence of the INR 10 crore threshold. Call +91 945 945 6700, WhatsApp us, or request a free consultation.