The MSME registration asks for the business activity by NIC code. For other credit granting, that activity is 64920.
NIC code · National Industrial Classification 2008
64920 is the 5-digit NIC 2008 code for other credit granting: a sub-class of class 6492, other credit granting, within division 64, financial service activities, except insurance and pension funding. Search a code or activity below, or copy the code for your Udyam or SPICe+ form.
This code
Division 64Group 649Class 6492Sub-class 64920
Other credit granting
Sub-class 64920 · Class 6492 · Group 649 · Division 64 · Section K, NIC 2008
The code
Where the code sits in the National Industrial Classification 2008, from section to sub-class, in the official wording.
649205 digits: 64 + 9 + 2 + 0NIC 2025 · Notice dated 16 October 2026
On 18 November 2025 the Ministry of Statistics and Programme Implementation released NIC 2025, which uses 6-digit codes aligned with the UN's ISIC Revision 5. This page shows the NIC 2008 code 64920. The matching NIC 2025 code will be added here once it is mapped from MoSPI's official concordance.
How to read it
An NIC code is built in layers. Each digit narrows the one before it: the division, the group, the class, and finally the 5-digit sub-class. Divisions themselves are grouped under lettered sections.
The broadest numbered layer. Division 64 covers financial service activities, except insurance and pension funding. It sits in section K, financial and insurance activities.
Other financial service activities, except insurance and pension funding activities.
Other credit granting. The official note for this class is quoted below.
Other credit granting. The full 5-digit code you enter where a form asks for the business activity by NIC code.
What it covers
64920 is a sub-class of class 6492, other credit granting. The NIC 2008 document explains the class in the note below, quoted exactly.
This class includes financial service activities primarily concerned with making loans by institutions not involved in monetary intermediation (such as venture capital companies, industrial banks, investment clubs), where the granting of credit can take a variety of forms, such as loans, mortgages, credit cards etc.
This class excludes:
- - credit granting for house purchase by specialized institutions that also take deposits, see 6419
- - operational leasing, see division 77, according to type of goods leased
Where you use it
Two registration forms ask for the business activity by NIC code. This is where 64920 is entered.
The MSME registration asks for the business activity by NIC code. For other credit granting, that activity is 64920.
The company incorporation form asks for the main industrial activity of the proposed company by NIC code.
Not GST. GST registration does not use NIC codes; goods and services there are classified by HSN and SAC codes.
Choosing the right code
64920 is for other credit granting. The codes below sit closest to it in NIC 2008: other classes in group 649. Each has its own page with the official wording.
These belong to other classes in group 649, other financial service activities, except insurance and pension funding activities. 64920 itself is in class 6492. Use the search above for any other code on this page.
Questions
Other credit granting, in the National Industrial Classification 2008. It is a sub-class of class 6492, other credit granting.
In Udyam Registration, which asks for the business activity by NIC code, and in the SPICe+ company incorporation form, which asks for the main industrial activity by NIC code. GST registration does not use NIC codes.
About this page
The section, division, group, class and sub-class on this page, and the explanatory note for class 6492, are taken word for word from the official document “National Industrial Classification (All Economic Activities) 2008”, Central Statistical Organisation, Ministry of Statistics and Programme Implementation, Government of India.
This is reference information on the classification of a business activity. It is not advice on which code your own business should declare, and the official NIC document prevails if the two ever differ. A change in the classification, including the MoSPI concordance to NIC 2025, re-opens this page for checking.
Not sure which code fits your activity, or spotted a mismatch? Use the WhatsApp button on this page and tell us what the business sells and how.