RBI-approved housing finance company registration - Get Started Today
Housing Finance Company (HFC) Registration in Gandhinagar
Start Your Housing Finance Business
RBI Licensed HFC
- Starting @
₹69,999
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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
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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.”
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Why Choose Us?
Expert Legal Team
Professional team with deep expertise in incorporation laws.
Fast Turnaround
Kickstart your venture with efficient company setup, generally processed within a week.
Dedicated Support
Dedicated relationship manager assigned to your registration.
Complete Documentation
Complete filing assistance including MoA, AoA, and all statutory forms.
Business Growth Tools
Free business resources to fuel your company's success from day one.
24/7 Customer Service
Always-on customer service for urgent queries and guidance.
Power the Dream of Home Ownership in Gandhinagar?
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
Complete the quick inquiry form above.
02
Call to discuss
Our team will reach out to guide you through the process.
03
Get Your HFC License from RBI
Our experts handle the complete Housing Finance Company registration process from start to finish. Quick and hassle-free.
Pricing
Simple & Transparent Pricing
MOST POPULAR
HFC Registration Package in Gandhinagar
₹69999 /one-time
Complete within 9 days
Quick 9-day delivery Money-back guarantee
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
*Government fees are additional and vary based on company structure
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Premium Plan
IncorpX Prime
An all-inclusive solution for startups and expanding enterprises seeking a streamlined, compliant incorporation process.
Key Benefits
Personalised support from dedicated incorporation specialists.
Express filing within 1 days of document submission.
Anytime access to our support team.
Important Notes
Priority name reservation to secure your preferred company name.
Expert guidance on MCA-compliant naming conventions.
Package includes first-year compliance services: auditor appointment, annual filings, and related obligations.
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 Gandhinagar?
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 Gandhinagar:
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 Gandhinagar:
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!
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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!
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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.
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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!
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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.
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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..
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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.
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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!
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