Housing Finance Company Registration

A Housing Finance Company (HFC) is a specialised non-banking financial company whose principal business is providing finance for housing. Since 2019, HFCs are regulated by the Reserve Bank of India (the National Housing Bank remains the supervisor for certain functions), and must be registered and meet the prescribed Net Owned Funds and principal-business criteria.

This is a specialised, capital-intensive registration. The firm advises on eligibility and structure and manages the application, working with the right specialists; the firm will confirm scope before taking it on.

1. 01

   Assess eligibility

   Confirm eligibility, capital, and the principal-business criteria.

2. 02

   Incorporate & capitalise

   Incorporate the company and build the Net Owned Funds.

3. 03

   Apply to the RBI

   File the HFC registration application with the business plan and documents.

4. 04

   Certificate of Registration

   On approval, the RBI grants the certificate to operate as an HFC.

PBT advises on and coordinates this specialised HFC registration.

• An honest read of eligibility and capital requirements
• Structuring and the business plan
• The RBI application managed, with specialists
• Guidance on the ongoing HFC compliance
• Scope, deliverables, and fees agreed in writing up front

• Who regulates Housing Finance Companies?

  Since 2019, HFCs are regulated by the RBI as a category of NBFC, with the National Housing Bank continuing certain supervisory functions.

• Is HFC registration capital-intensive?

  Yes. There is a substantial minimum Net Owned Funds requirement and a principal-business criterion. We assess eligibility honestly before proceeding.

• How long does it take?

  RBI processing for an HFC registration typically runs over several months, given the scrutiny involved.