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NEED FOR REGISTRATION
Section 4
5
-IA of the Reserve Bank of India Act
obtaining a certificate of registration issued under Chapter IIIB; and
having the net owned fund of twenty-five lakh rupees or such other amount

Reserve Bank of India vide its PRESS RELEASE dated 8th April 1999 has announced that in order to identify a particular

Reserve Bank of India vide its Notification No. DNBS 132
/ CGM (VSNM) 99

Meaning of Business of a non-banking financial institution

Section 4
5
-I(a) of the Reserve Bank of India Act

business of a non-banking financial institution means carrying on of the business of a financial institution referred to in cl

Meaning of Financial Institution

Section 4
5
-I(c) of the Reserve Bank of India Act

financial institution means any non-banking institution which carries on as its business or part of its business any of the f
the financing
the acquisition of shares
letting or delivering of any goods to a hirer under a hire purchase agreement as defined in clause (c) of section 2
of the Hi
the carrying on of any class of insurance business;
managing
collecting
Page 1

Sheet1
but does not include any institution
(a)agricultural operations; or
(aa)industrial activity; or
(b)the purchase or sale of any goods (other than securities) or the providing of any services; or
(c)the purchase
Explanation For the purposes of this clause

COMPLIANCES FOR NBFC

Under
Particular
Frequency

Applicability
Under Reserve Bank of India Act
Section 4
5
-IANBFC have to make application for registration with RBI and shall not commence or carry on business of a n
NOF requirement for NBFC registered
Before 2
1/04
/1999
= Rs.2
5
lacs
On or after 2
1/04
/1999 = Rs.2
00 lacsOne timeAll NBFCSection 4
5
-IBMaintenance of percentage of assets
Invest and continue to invest 5
% to 2
5
% (specified by RBI) of deposits outstanding on the last working day of the second p
Notification No. DFC.12
1/ED(G)-98 dated 31.01.1998 and No. DFC(COC) NO.108-ED(JRP)-97 dated 30.04
.1997Ongoing
Every NBFC shall create a reserve fund and transfer therein a sum not less than 2
0% of its net profit every year as disclos
Under Non-Banking Financial Companies Acceptance of Public Deposit (Reserve Bank) Directions
Notification No.DFC.118/DG(SPT)-98 dated 31.01.1998
Para 4
Minimum Credit Rating

ongoing

All NBFC
Not applicable subj
ect to

not accepting Public Deposit

passed a resolution under para 9Para 4
A
e.g. total no. of accounts of public deposit
Insurance company
Loan company
An investment company (investing only in group companies not less than 90% of its assets) and pass a resolution that has
Page 2

Sheet1

Every year within 30 days from the commencement of financial year

All NBFC
Under Non-Banking Financial Companies Prudential Norms (Reserve Bank) Directions
Notification No.DFC.119/DG(SPT)-98 dated 31.01.1998
Para 3
Income from NPA shall be recognized only when actually realised. All unrealised income on NPA shall be reversed.Ongoin
Dividend income on shares and units of Mutual Funds shall be taken on cash basis.
Income from Bonds and Debentures from Govt. Securities may be taken on accrual basis.
Income from securities (guaranteed by Central Govt. or State Govt.) may be taken on accrual basis.Accounting Standards
Accounting standards shall be followedAccounting of investment
Board of Directors shall frame investment policy
Other requirement regarding accounting of investmentPara 6ANeed for Policy on Demand / Call Loans
Policy for demand / call loan shall be framedOngoingAll NBFC giving loan etc.Para 7
Assets shall be classified as Standard
Provision for assets (i.e. loans
Provision as in para 8 should be disclosed without netting offYearlyPara 9AConstitution of Audit Committee
Company having assets of Rs.5
0 crore and above shall constitute an Audit Committee.OngoingNBFC having assets of Rs
Every NBFC shall prepare its B/S and P/L as on 31st MarchYearlyAll NBFCSchedule to the Balance Sheet
Every NBFC shall append to its B/S particulars in the format as set in schedulePara 9CTransaction in Government Securit
NBFC shall hold investment in approved securities in a dematerialised form only.OngoingAll NBFCPara 10Requirement as
NBFC shall maintain minimum capital ratioOngoingNBFC accepting / holding Public DepositPara 11Loan against NBFCs
No loan against own shares shall be givenOngoingAll NBFCPara 11ANBFC failing to repay public deposit prohibited from
As long as default existsNBFC accepting / holding public depositPara 11BRestrictions on investment in land and building a
Restriction has been specified (10% of NOF)OngoingNBFC accepting / holding public depositPara 12
Concentration of cre
Restriction has been specified (Lend or invest to single person 15
% and group 2
5
%) (Both lend and invest 2
5
% and 4
0%
Half yearly return in Form NBS-2
to be submittedHalf YealyNBFC accepting / holding Public Deposit and RNBFCPara 13
Within 30 days from the date of occurrence of any changeWhenever change occurAll NBFCPara 13BExposure to Capital
Quarterly return in Form NBS-6QuarterlyNBFC holding public deposit of Rs.5
0 crore or more and RNBFC having liabilities
Restructuring of Infrastructure Loan.All NBFC giving Infrastructure Loan
Under various Notification / Press release issued by Reserve Bank
Circular No. DNBS (DD) CC.No. 15
/02
.01/2
000-01 dated 2
7/06/2
001
Asset Liability Management (ALM) SystemOngoingAll NBFC having assets more than Rs.100 croresNotification No. RB
Monthly return on important financial parameters on NBFC not accepting / holding public deposits and having assets size

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1934
provides that No non-banking financial company shall commence or carry on business of a non-banking financial in
not exceeding two hundred lakh rupees

it will consider both

dated 2
0/04
/1999 has increased the requirement of net owned fund from Rs.2
5
lakh to Rs.2
00 Lakh for the NBFC which

namely : whether by way of making loans or advances or otherwise

stock
1972
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6 of 1972
);
conducting or supervising
for any purpose or under any scheme or arrangement by whatever name called
Page 9

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which carries on as its principal business

construction or sale of immovable property

(2
) Notwithstanding anything contained in sub-section (1), where an offence under this Act has been committed by a com

required by BankWhen asked forAll NBFC

Prohibition on acceptance of Deposit

4
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total amount due or unpaid
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Page 10

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1999

of any activity other than its own;

bonds

as foreman
monies in lump sum or otherwise
Page 17

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so

as committed with the consent or connivance of, or is attributable to any neglect on the part of, any director, manager, secretary, or other

repayable on demand

agents
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a hire purchase company or equipment leasing company not holding or accepting public deposits and pass a resolution to

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9Asset classification
Doubtful and Loss assets.OngoingAll NBFCProvisioning requirements
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by notification in the Official Gazette

ance sheet of the company to decide its principal business. The company will be treated as an NBFC if its financial assets are more than

debentures or securities issued by a Government or local authority or other marketable securities of a like nature;

agent or in any other capacity

by way of subscriptions or by sale of units
Page 2
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however

art of, any director, manager, secretary, or other officer or employee of the company, such director, manager, secretary, other officer or e

Period of Deposit (12
to 60 Months only)

closures of branchesPara 5
Information to be included in the Boards report

auditors report

ccepting public deposits and pass a resolution to the effect within 30 days of the commencement of the financial year

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specify.

total assets (netted off by intangible assets) and income from financial assets should be more than 5
0 per cent of the gross income. Bo

of chits or kuries as defined in any law which is for the time being in force in any State
or other instruments or in any other manner and awarding prizes or gifts
Page 33

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that no portion of the income of the institution is derived from the financing of purchases

o be deemed to be guilty of the offence and shall be liable to be proceeded against and punished accordingly.

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constructions or sales of immovable property by other persons;

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rating

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which is similar thereto;

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