RBI-approved housing finance company registration - Get Started Today
Housing Finance Company (HFC) Registration in Bilaspur
Start Your Housing Finance Business
RBI Licensed HFC
- Starting @
₹69,999
Only
Complete RBI Application. Expert CA/CS Team. 100% Success Record.
HFC License Application
Housing Finance Business Plan
₹25 Crore Capital Planning
RBI COSMOS Portal Filing
Complete Documentation
Post-Registration Compliance
FREE ConsultationGet Started @ ₹299 ₹0
Get Expert Consultation
Talk to our business executives in minutes
What Sets Us Apart
25+ HFCs Registered
100% RBI Approval Rate
Expert HFC Specialists
0
Successful Incorporations
Helping entrepreneurs start their journey
0
Satisfaction Rate
Happy clients and counting
0
Years of Experience
Helping startups grow since 2020
0
Professional Team
Specialists in company formation
Testimonials
Hear What Our Customers Have to Say
India's one of the highest-rated legal tax and compliance guidance platform.
4.9 out of 5
(8521+ ratings)
Verified
Siddhu ManojFounder & CEO of Two-LYP Computations Pvt. Ltd.
“Incorporating my Startup with IncorpX was an incredibly smooth and hassle-free experience. The team was highly professional, guiding us every step of the way with clear communication and prompt support. The registration process was fast, and every detail was handled with precision and accuracy. Highly recommend IncorpX for anyone starting a business.”
Abhishek LohaniDirector at Lohani Learnings
“Company is good and service is also smooth. I used their compliance service and the response was timely with no delay and price are also convenient. They are always available to cater your need.”
Chandan Kr. ChaudharyFounder of Creative Minds
“I am very satisfied with the team of IncorpX for providing the top notch services. Team of IncorpX was giving the update on daily basis was one of the best thing which I experience in Corporate. keep doing it. Thank you!”
Jayavijaya SJFounder of Agro Farms
“Don't think twice.Got my company incorporates here. Tbh very impressed by the quality of service provided by this team. Very organized and friendly team. Had a smooth and peaceful experience. Timely regular updates were provided by the team. Overall a great experience.”
Anoop KrishnanFounder of EIGHTH DAY FORGE
“It's rare to find a service provider who makes the process feel personal - IncorpX absolutely did. From day one, they patiently explained every detail without any jargon, making it easy to understand and stress-free. There was zero chasing, no delays-just efficient, smooth execution all the way through. I felt supported, heard, and confident at every step of registering my company EIGHTH DAY FORGE (OPC) Private Limited. Thanks to Mr. Sriram and his wonderful team.”
Ramesh LankeFounder of EKnal Technologies
“IncorpX made the entire registration process for our company, EKnal Technologies, smooth and stress-free. Their team was professional, efficient, and incredibly supportive from start to finish. Highly recommend them to any founder looking for a reliable partner in their business journey! Special shoutout to Sriram and Aswin-your support, clarity, and responsiveness made the whole process incredibly smooth.”
674+
Businesses Incorporated Every Month
994+
Reviews from 2001+ Happy Clients
278+
Expert Partners Nationwide
Why Choose Us
Why Choose Us?
Expert Legal Team
Professional team with deep expertise in incorporation laws.
Fast Turnaround
Quick incorporation process - most companies registered in 7-10 working days.
Dedicated Support
Personal manager by your side, every step of the way and beyond.
Complete Documentation
We handle all paperwork and ensure full legal compliance.
Business Growth Tools
Complimentary tools and resources to accelerate your business growth.
24/7 Customer Service
24/7 support available via chat, email, and phone.
Power the Dream of Home Ownership in Bilaspur Now?
Start your Housing Finance Company to help Indians achieve their dream of owning a home - Complete RBI registration support
Simple Process
Here's How It Works
01
Fill the Form
Share your basic details through the form.
02
Call to discuss
A dedicated expert will call to understand your requirements.
03
Get Your HFC License from RBI
Our experts handle the complete Housing Finance Company registration process from start to finish.
Pricing
Simple & Transparent Pricing
MOST POPULAR
HFC Registration Package in Bilaspur
₹69999 /one-time
Get incorporated in 8 days
Fast 8-day process 100% guaranteed
HFC Eligibility Assessment
Company Incorporation (if needed)
₹25 Crore Capital Planning
Housing Finance Business Plan
Director Due Diligence
RBI Application Drafting
Document Compilation
COSMOS Portal Submission
RBI Query Handling
Post-Registration Support
*Statutory charges applicable as per government norms
4.9/5 based on 994+ reviews
Refund guarantee
Secure payment
Highly rated
Premium Plan
IncorpX Prime
Premium incorporation service designed for founders who value speed, compliance, and dedicated support.
Key Benefits
Priority handling by senior registration experts.
Application prepared and filed within 2 days.
Round-the-clock WhatsApp support.
Important Notes
Multiple name options processed to maximize approval chances.
Backup names prepared in case your first choice is unavailable.
HOUSING FINANCE COMPANY REGISTRATION - AN OVERVIEW
A Housing Finance Company (HFC) is a specialized Non-Banking Financial Company that primarily engages in the business of housing finance. These companies provide loans for purchasing, constructing, renovating, or repairing residential properties, playing a crucial role in India's affordable housing mission.
Effective from August 9, 2019, the regulatory powers over HFCs were transferred from the National Housing Bank (NHB) to the Reserve Bank of India (RBI). All existing and new HFCs are now regulated under the RBI framework, requiring registration with RBI to carry on housing finance business.
The minimum Net Owned Fund (NOF) requirement for HFC is ₹25 crore (increased from ₹20 crore w.e.f. April 2024). Additionally, at least 60% of total assets must be towards housing finance to qualify as an HFC, with minimum 50% being individual housing loans.
At IncorpX, we provide comprehensive HFC Registration Services to help you establish a housing finance company with RBI approval. Our team of experienced Chartered Accountants and regulatory experts has successfully registered 25+ housing finance companies across India.
What is a Housing Finance Company?
A Housing Finance Company (HFC) is an NBFC whose principal business is providing finance for purchase/construction of residential houses. To qualify as an HFC, the company must meet specific asset composition requirements.
Key characteristics of HFC:
Asset Composition: 60% of total assets must be towards housing finance.
Individual Housing Loans: 50% of total assets must be individual housing loans.
Principal Business: Housing finance must be the primary activity.
Regulatory Authority: RBI (transferred from NHB in 2019).
Types of Housing Finance Loans:
Home Purchase Loans:
Loans for buying residential property.
Home Construction Loans:
Loans for building new houses on owned land.
Home Improvement Loans:
Loans for renovation and repairs.
Plot Purchase Loans:
Loans for buying land for house construction.
Important HFC Regulation!
HFCs are governed by RBI's Master Direction for HFCs. Failure to maintain 60% housing finance assets can result in classification as NBFC-ICC. HFCs also need to maintain specific CRAR ratios and comply with liquidity requirements like LCR.
What Are the Key Features of Our HFC Registration Service in Bilaspur?
Our HFC Registration Services are designed for successful RBI approval. Here's what makes IncorpX your ideal partner:
1. HFC Specialization
Dedicated expertise in housing finance regulations and HFC-specific requirements.
2. Asset Planning
Expert guidance on maintaining 60% housing finance asset composition.
3. Business Plan
Comprehensive housing finance business plan as per RBI expectations.
4. Capital Planning
Guidance on ₹25 crore NOF requirement and fund source documentation.
5. Product Design
Assistance with home loan product structuring and documentation.
6. RBI Application
Complete application preparation and COSMOS portal submission.
7. CRAR Guidance
Capital to Risk-weighted Assets Ratio compliance support.
8. Policy Framework
Fair Practice Code, loan policy, and other required policies.
9. Query Handling
Expert response to RBI queries throughout the application process.
10. Post-Registration
Ongoing compliance support including returns and CRAR reporting.
Benefits of HFC Registration in Bilaspur:
Starting an HFC offers unique advantages in India's growing housing market:
Housing Market Growth
Tap into India's rapidly growing housing finance market worth ₹30+ lakh crore.
Refinance Access
Access NHB refinance at competitive rates to fund your lending operations.
Government Support
Participate in PMAY and other affordable housing schemes for subsidy benefits.
Asset Security
Housing loans are secured by property, reducing default risk significantly.
Long-term Income
Housing loans are typically 15-30 years, ensuring steady long-term revenue.
Tax Benefits
Deductions available for lending to priority sector housing segments.
Build homes, build dreams!
HFC vs Banks - Key Differences:
Understanding how HFCs differ from banks helps in positioning your business:
Parameter
Housing Finance Company
Banks
Regulator
RBI (formerly NHB)
RBI
Capital Requirement
₹25 crore NOF
₹500+ crore
Primary Business
Housing finance only
Multiple banking services
Deposit Acceptance
Limited (with conditions)
Yes, primary function
NHB Refinance
Eligible
Not applicable
Focus
Specialized in housing
Generalized services
Entry Barrier
Relatively lower
Very high
Eligibility Criteria for HFC Registration in Bilaspur:
Starting a housing finance company involves specific regulatory requirements. We've compiled answers to help you understand the HFC registration process.
These FAQs cover eligibility, capital requirements, asset composition, and compliance for housing finance companies.
A Housing Finance Company (HFC) is an NBFC whose principal business is providing loans for purchase, construction, renovation, or repair of residential properties. At least 60% of its total assets must be towards housing finance.
Since August 2019, Housing Finance Companies are regulated by the Reserve Bank of India (RBI). Earlier, they were regulated by the National Housing Bank (NHB). NHB continues to provide refinance support.
The minimum Net Owned Fund (NOF) for HFC is ₹25 crore (increased from ₹20 crore w.e.f. April 2024). This is higher than NBFC-MFI (₹5 crore) but lower than banks.
An HFC must maintain at least 60% of its total assets towards housing finance. Within this, at least 50% must be individual housing loans. Failure to meet this can result in reclassification.
HFCs can provide: Home purchase loans, home construction loans, home improvement loans, plot purchase loans, loans against property (within limits), and construction finance to builders.
HFCs can accept public deposits subject to RBI conditions. They need specific approval and must meet additional criteria including investment grade rating, CRAR compliance, and net profit requirements.
NHB (National Housing Bank) provides refinance to HFCs at competitive rates. This helps HFCs access cheaper funds for lending, especially for affordable housing segments under various NHB schemes.
Yes. Registered HFCs can participate in Pradhan Mantri Awas Yojana (PMAY) and provide credit-linked subsidy to eligible borrowers. This is a significant advantage for affordable housing focused HFCs.
HFC registration typically takes 6-9 months from application to license. The timeline depends on completeness of application, RBI's processing, and query response time.
Yes. An existing NBFC-ICC can convert to HFC by restructuring its portfolio to have 60% housing finance assets. The company must apply to RBI for change in category and meet all HFC requirements.
HFCs must maintain a minimum CRAR (Capital to Risk-weighted Assets Ratio) of 15%. This includes minimum Tier I capital of 10%. Higher CRAR may be required based on RBI assessment.
HFCs with asset size of ₹10,000 crore and above must maintain Liquidity Coverage Ratio (LCR) as per RBI guidelines. This ensures HFCs have sufficient liquid assets to meet short-term obligations.
Yes, but with limits. Loans against property (which are non-housing) cannot exceed 40% of total assets. HFCs must ensure the 60% housing finance asset composition is maintained.
Key documents include company incorporation documents, director KYCs, CA certificate for NOF (₹25 crore), housing finance business plan, IT infrastructure details, and policies (loan policy, FPC, recovery policy).
Yes, HFCs can provide construction finance to builders. However, such loans should be within the 60% housing finance composition. Individual housing loans must form at least 50% of assets.
If an HFC fails to maintain 60% housing finance assets, RBI may reclassify it as NBFC-ICC. The entity must comply with all NBFC-ICC norms and will lose HFC-specific benefits like NHB refinance.
There is no prescribed minimum tenure, but housing loans are typically 10-30 years. The tenure should be reasonable based on borrower's age, income, and loan amount to ensure repayment capacity.
Yes. HFCs must have their accounts audited by a Chartered Accountant annually. Additionally, concurrent audit and internal audit requirements apply based on asset size and deposit acceptance.
IncorpX's HFC registration package starts at ₹69,999 (excluding government fees and ₹25 crore capital). This includes complete application support, documentation, RBI liaison, and query handling.
Getting started is simple:
Contact us for initial consultation
We assess your housing finance vision and target market
The team was very responsive and helpful. I received daily updates from the WhatsApp group, and their guidance made everything much simpler to comprehend. If you want a simple and hassle-free way to launch your business, I would highly recommend them!
S
Simon Job
4.9/5
I recently used IncorpX to register my limited liability partnership, and I had an amazing experience! There were no hidden fees, and the team was helpful, quick to respond, and open. They provided thorough explanations of each step, and their services are reasonably priced without sacrificing quality. The entire process was made simple by IncorpX's professionalism, attention to detail, and sincere support. Strongly advised!
J
Jay R
4.8/5
The experience was flawless; the team completed each task with care and always responded quickly. Throughout the process, I never felt stuck. We would especially like to thank Saksham and Sriram for making everything run so smoothly! The IncorpX team offers extremely competitive pricing; anyone just starting out should definitely get in touch with them.
M
Mohammed Affan
4.9/5
I'm really grateful to the wonderful team at IncorpX for helping bring my co-founder's and my dream to life. The whole process was super smooth - fast service, great support, and no hassles at all. I'd highly recommend IncorpX to any new entrepreneur or founder looking to register their company. Excited to continue working with them in the long run. Thank you, IncorpX!
R
Riyom Taipodia
4.6/5
One of the best agency I have ever experienced. Team members are very friendly as if we know each other from before and came communicate and share easily. My work has been done in a very short period and I am so happy. Thank you so much.
A
Ayyappa Swamy
5/5
Highly recommend... IncorpX services regarding incorporation of our company and roc filing and all are very impressive.. the team IncorpX is polite and friendly. Our Lands Time pvt ltd has incorporated through IncorpX... And thanks to IncorpX team..
R
Ramesh Babu
4.9/5
Trouble free service, Rendering good co-operation for company incorporation. Trust worthy team to have better knowledge.
P
Pravesh Kudesia
5/5
IncorpX is providing best service... And user experience! Thank You IncorpX Team
B
Balaji Gutte
4.9/5
I recently got my Private Limited Company incorporated through IncorpX, and the experience was seamless! The team was professional, supportive, and quick to respond throughout the process. Highly recommend IncorpX for a smooth and stress-free company registration experience.
D
Dia
5/5
I'd been planning to register my Private Limited Company for months but didn't know where to start - until I found IncorpX. The team guided me step by step, explained everything clearly, and completed the registration smoothly within the promised timeline. Their pricing was transparent with no hidden charges. Highly recommend IncorpX to anyone starting a business!
Trusted by 15,000+ Entrepreneurs
Get Expert Guidance for Your Business
Fill out the form and our team will connect with you to understand your requirements and recommend the best way forward.
