Business Plan for NBFC
RBI-Compliant, Investor-Ready Plans by Experts
Looking to start your Non-Banking Financial Company (NBFC)? A robust, RBI-compliant business plan is your first step toward success. At Marcken Consulting, we specialize in creating customized NBFC business plans that are designed for registration, finance, and long-term growth.
📌 Why a Business Plan is Crucial for NBFCs
An NBFC Business Plan is not just a formality—it’s the backbone of your licensing and operational journey. Whether you’re applying for the Certificate of Registration (CoR) with the Reserve Bank of India (RBI) or planning to raise funds, a professionally drafted business plan demonstrates preparedness, compliance, and vision.
Key Reasons You Need a Solid Business Plan:
✅ Under Section 45-IA of the RBI Act,1934, NBFCs must register.
✅ Increases confidence among regulators, financial institutions, and investors.
✅ Acts as a blueprint for staffing, budgeting, and future expansion.
✅ Enhances internal decision-making and governance.
✅ Helps manage risks and maintain regulatory alignment.
Let’s build your NBFC correctly!
📘 What is an NBFC Business Plan?
An NBFC business plan is a strategic document that outlines your company’s vision, business model, operational processes, compliance roadmap, and financial projections. It’s a requirement by the RBI during registration and is also used for pitching to investors.
A well-drafted NBFC Business Plan includes:
Vision, mission, and business objectives
Market opportunity analysis
Product and revenue models
Financial forecasts and capital structure
RBI compliance framework and risk management
Organizational structure and promoter profiles
🧱 Important Elements of Our NBFC Business Strategy
At Marcken Consulting, we meticulously and legally construct every company plan from the ground up. Here’s what our comprehensive NBFC plans include:
1. Executive Summary
A concise overview of your NBFC’s value proposition, business goals, and financial highlights.
2. Promoters' Background
Detailed profiles of directors and shareholders, including qualifications, experience, and net worth.
3. Business Overview & Objectives
The company’s vision, mission, goals, and core financial services are offered.
4. Market Research & Opportunity Analysis
Industry trends, target customer segments, geographic focus, and growth potential.
5. Revenue Model & Business Strategy
Revenue streams include things like processing fees, interest income, and late payment fees. We also map your lending product mix.
6. Operational Plan & Tech Stack
Customer acquisition strategy, backend operations, digital platforms like LMS, CRM, and mobile apps.
7. Financial Projections (5 Years)
Balance sheet forecasts, P&L statements, Cash flow projections, Key financial ratios (CAR, ROE, ROA).
8. Capital Structure & Infusion Plan
How capital will be used, fund sourcing strategy, and equity shareholding.
9. RBI Compliance & Governance Framework
- KYC/AML policies
- Grievance redressal mechanism
- Fair Practices Code
- Risk categorization and mitigation
10. SWOT Analysis
Your NBFC model’s unique set of advantages, disadvantages, opportunities, and threats.
🏢 Types of NBFCs We Support
We offer customized business plans for different categories of NBFCs, including:
✅ NBFC-Micro Finance Institution (NBFC-MFI)
✅ NBFC-Housing Finance Company (NBFC-HFC)
✅ NBFC-Factor
✅ NBFC-Account Aggregator (NBFC-AA)
📊 In-Depth Financial Modeling
Our financial experts prepare investor-ready models that are both insightful and RBI-aligned:
- MONTHLY AND ANNUAL CASH FLOWS
- LOAN PORTFOLIO INTEREST INCOME PROJECTIONS
- COST-TO-INCOME RATIO
- NPA FORECASTS AND PROVISIONING
- CAPITAL ADEQUACY RATIO (CAR) SIMULATION
- PROFITABILITY RATIOS (ROE, ROA)
📉 These models validate the financial health and sustainability of your NBFC.
🎯 Want this done without the stress?
🔐 Compliance & Risk Management
NBFCs must maintain robust governance practices. We include detailed compliance protocols and risk mitigation strategies:
✔ RBI grievance redressal systems
✔ IT and cybersecurity policies
✔ Loan underwriting guidelines
✔ Internal audit processes
✅ Our compliance framework is built around the RBI Master Directions.
🛠️ Our Business Plan Development Process
1. Initial Consultation
Understanding your NBFC idea, vision, and scope.
2. Data Collection
Promoter details, financial inputs, documents
3. Drafting
Plan creation including modeling, compliance, and SWOT
4. Review
Incorporate your feedback and finalize
5. Delivery
Editable Word/PDF file + continuous RBI support
6. 🕒 Timeline
10–14 working days
🌟 Why Choose Marcken Consulting?
✅ CA, CS & legal experts onboard
✅ RBI interaction guidance
✅ Personalized, RBI-compliant documentation
📞 Want to invest in India's financial future?
Frequently Asked Questions
What is the minimum capital requirement to start an NBFC?
To start an NBFC in India, the Reserve Bank of India mandates a minimum Net Owned Fund (NOF) of INR 2 crore. For specific types like NBFC-MFIs or NBFC-HFCs, the required capital could be higher. This amount must be deposited in a bank account and maintained until registration is approved. Learn more on the RBI’s official site.
Is a business plan mandatory for RBI NBFC registration?
The Certificate of Registration (CoR) process does require the business plan. It must outline your NBFC’s operations, compliance framework, promoter strength, and financial projections. A weak or incomplete plan is a major reason for RBI rejections.
How detailed should my NBFC business plan be?
Ideally, your plan should span 25–40 pages, depending on the type and scale of your proposed NBFC. It should contain precise financials, internal controls, risk mitigation strategies, and regulatory policies aligned with RBI norms.
How long does it take an NBFC to acquire RBI approval?
Once submitted with all correct documents and a strong business plan, RBI approval can take 90 to 180 days. Delays may occur due to non-compliance or insufficient documentation. That’s why expert guidance is crucial.
Can I raise funds after getting the NBFC license?
Absolutely. Post-registration, many NBFCs raise capital through equity, debt instruments, or institutional partnerships. A well-drafted business plan plays a vital role in convincing investors and lenders of your NBFC’s potential.
📞 Ready to Build Your NBFC?
