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Specialist practice
NBFC consulting & advisory services
Fifteen-plus years of working with non-banking finance companies — through registration, growth and regulatory change. We help NBFCs lend better, collect better and stay compliant.
Who we work with
Our NBFC services
Support across the complete NBFC lifecycle
Engage us at any stage — for a single requirement or as a long-term advisor. Every assignment is scoped to your size, regulatory layer and budget.
01Set up
- Application for Certificate of Registration (CoR) with the RBI
- Net owned fund, capital and ownership structuring
- Board composition, committees and charters
- Complete policy suite — credit, KYC, fair practices, grievance, outsourcing
02Lend
- Credit policy and delegation of powers
- Underwriting models and customised scorecards
- Product design, pricing and interest-rate policy
- Co-lending and business correspondent arrangements with banks
03Collect
- Collections strategy by bucket and geography
- Early-warning signals and portfolio monitoring
- Restructuring and settlement policy
- Recovery and legal process design, including SARFAESI
04Comply
- Scale-Based Regulation — layer assessment and readiness
- Digital lending guidelines and lending service provider arrangements
- KYC / AML framework and periodic reviews
- RBI returns, inspection preparation and compliance tracking
05Scale
- Bank lines, NCDs and debt-raising preparation
- Asset–liability management and liquidity risk
- Loan management system selection and rollout
- Board MIS, dashboards and investor reporting
06Products & tools
- AI CAM — reads documents, applies your rules, fills your CAM
- PledgeGuard — loan against securities: collateral, margin and lien management
- Credit scorecards built on your own repayment data
- Monthly board MIS packs
Specialist offerings
Regulation, risk and governance — done properly
Beyond the lending lifecycle, NBFCs face a growing list of regulatory expectations. These are the specialist areas where we help most often.
DPDP Act compliance
Personal data mapped, gaps closed and processes built — aligned with the RBI frameworks you already run.
Learn moreIT governance & cyber security
IT and information security policies, IS audit and VAPT readiness, and business continuity — in line with RBI expectations for NBFCs.
Fraud risk management
Early-warning signals, red-flagging of accounts, and fraud monitoring and reporting frameworks.
Risk-based internal audit
A risk-based internal audit framework designed and rolled out, with audit plans and reporting to the audit committee.
Expected credit loss models
Ind AS expected credit loss methodology, staging and provisioning — documented for your auditors.
Compliance function
Compliance policy, calendar, testing and reporting — the compliance function set up or strengthened.
Customer protection
Fair practices code, grievance redressal and internal ombudsman processes that stand up to scrutiny.
AI in lending
Where AI can safely speed up credit, collections and compliance — with governance your board can sign off.
Learn moreCommon challenges
Challenges we help NBFCs solve
Rising NPAs with no clear cause
We trace slippage back to sourcing, underwriting or collections — using your data.
An RBI inspection is approaching
Gap review, updated policies, board approvals and a clean evidence trail.
A bank partner wants to co-lend
Process, data and agreement structure set up so the partnership goes live.
Expansion into a new state or product
Local risk assessment, revised credit policy and a playbook for branches.
A loan system the branches will not use
We fix the workflow first, then the configuration, then train the users.
Moving up a regulatory layer
A clear readiness assessment and a sequenced plan for the board.
FAQ
Frequently asked questions
Can you help us register a new NBFC with the RBI?
Yes. We support promoters through the Certificate of Registration process — capital structuring, documentation, policies and board setup — and prepare the company to operate from day one.
Do you help existing NBFCs with RBI compliance?
Yes. We review compliance against current RBI directions, including Scale-Based Regulation and digital lending guidelines, and help prepare for inspections.
Can you write or update our credit policy?
Yes. We draft and revise credit policies, delegation of powers and underwriting frameworks to match how you lend today and plan to lend next.
Do you work with microfinance and housing finance companies?
Yes. We work with investment and credit companies, microfinance institutions, housing finance companies, gold-loan lenders and MSME lenders.
Do you help NBFCs with the DPDP Act?
Yes. We map personal data, assess gaps against the Act, and build consent, rights, breach and vendor processes — aligned with your existing RBI frameworks.
How much NBFC experience does your team have?
Our team has more than fifteen years of experience working with non-banking finance companies across India.
Speak to an NBFC specialist
Share your NBFC’s size, segment and requirement. Every conversation is confidential.