NBFC Retainership Services

NBFC Retainership Services

Running an NBFC isn’t a one-time compliance task. RBI updates circulars, MCA changes forms, tax rules evolve, auditors ask questions, lenders expect clarity, and customers demand transparency. Most NBFCs don’t need a full in-house compliance department—but they do need someone watching everything, every month.

Our retainership model gives your NBFC a dedicated compliance partner without hiring, training, or managing an internal team.

What’s Included

RBI Compliance & Reporting

• Preparation and filing of NBS returns

• Monitoring NOF, capital adequacy, provisioning, exposure limits

• Implementation of new RBI circulars and notifications

• Support during inspections and regulator queries

ROC & Company Law Support

• Annual filings: AOC-4, MGT-7, DIR-3 KYC, ADT-1

• Event-based filings, minutes, resolutions, registers

• AGM and board meeting documentation

Tax & Accounting Coordination

• Statutory audit and financial closure support

• Income tax, TDS, GST filings (if applicable)

• MIS reporting and financial review

Policy & Governance Advisory

• Updating KYC/AML, Fair Practice Code, credit, IT, outsourcing policies

• Board committee support and compliance dashboards

• Risk, grievance, and internal audit coordination

Operational Compliance

• Portfolio review, NPA classification, interest rate policy checks

• Due diligence on lending partners, DSAs, vendors

• Customer documentation and disclosure review

You choose the scope. We tailor the plan.

Who Should Consider Retainership

• Lending NBFCs scaling operations

• Fintech NBFCs with outsourcing partners

• Captive finance companies within business groups

• Newly licensed NBFCs building systems and governance

• NBFCs preparing for investor onboarding or RBI inspection

Documents Usually Required

• RBI licence and company incorporation documents

• Previous NBS returns, statutory filings, audit reports

• Policies, lending documents, MIS data

• Financials, board minutes, shareholding and director details

Engagement Flow

1. Scope finalisation and onboarding

2. Compliance calendar and responsibility mapping

3. Monthly reporting and review calls

4. Quarterly governance and risk updates

5. Annual compliance and audit preparation

Why NBFCs Prefer Retainership

• Predictable cost and fixed accountability

• Single point of contact for RBI, MCA, and tax matters

• Faster decision-making and fewer compliance surprises

• Stronger investor, banker, and auditor confidence

• Reduces penalty, compounding, and reputational risk