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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.”
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.”
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Why Choose Us
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
From ₹69999 one-time professional fee
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
4.9/5 based on 960+ reviews
Risk-free registration
Secure payment
Highly rated
AI-Powered Platform
Meet IncorpX Nova
Our proprietary AI engine streamlines every step of business setup, from intelligent name suggestions to automated document drafting and compliance tracking.
AI-Powered Business Name Approval Check
Auto-Generated MoA & AoA Drafts
Real-Time Compliance Monitoring
3x Faster Processing Than Traditional CAs
24/7 AI Chatbot + Human Expert Support
NOVA AI
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 in Gandhinagar and across India. 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 in Gandhinagar 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 registration in Gandhinagar is Rs 25 crore (increased from Rs 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 in Gandhinagar 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 including Gandhinagar.
What is a Housing Finance Company?
A Housing Finance Company (HFC) in Gandhinagar 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 set by RBI.
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 in Gandhinagar 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 in Gandhinagar are designed for successful RBI approval. Here is what makes IncorpX your ideal partner for HFC registration:
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 in Gandhinagar offers unique advantages in India's growing housing market:
Housing Market Growth
Tap into India's rapidly growing housing finance market worth Rs 30+ lakh crore from Gandhinagar.
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 in Gandhinagar.
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 in Gandhinagar:
Understanding how HFCs differ from banks helps in positioning your housing finance business in Gandhinagar:
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:
Company registered under Companies Act, 2013 in Gandhinagar
Starting a housing finance company in Gandhinagar involves specific regulatory requirements. We have compiled answers to help you understand the HFC registration process.
These FAQs cover eligibility, capital requirements, asset composition, and compliance for housing finance companies in Gandhinagar.
A Housing Finance Company (HFC) is a specialized Non-Banking Financial Company registered with RBI that primarily provides loans for purchase, construction, renovation, or repair of residential properties in Gandhinagar. At least 60% of total assets must be towards housing finance.
Since August 2019, Housing Finance Companies in Gandhinagar are regulated by the Reserve Bank of India (RBI). Earlier, HFCs were regulated by the National Housing Bank (NHB). NHB now focuses on refinance support for HFCs operating in Gandhinagar and across India.
The minimum Net Owned Fund (NOF) for registering an HFC in Gandhinagar is Rs 25 crore as per RBI norms (increased from Rs 20 crore w.e.f. April 2024). This capital must be in the form of paid-up equity and free reserves.
To register an HFC in Gandhinagar, you need a company incorporated under the Companies Act 2013, minimum Rs 25 crore NOF, directors meeting fit and proper criteria, clean CIBIL records of promoters, housing finance experience, and a viable business plan for housing finance operations.
Key documents for HFC registration in Gandhinagar include:
Company incorporation documents (COI, MOA, AOA)
Director KYC and CIBIL reports
CA certificate for Rs 25 crore NOF
Housing finance business plan
IT infrastructure details
Loan policy and Fair Practice Code
HFC registration in Gandhinagar typically takes 6 to 12 months from application to certificate issuance. The timeline depends on completeness of the application, RBI processing capacity, and response time to queries raised by the regional office handling Gandhinagar applications.
An HFC registered in Gandhinagar can provide: home purchase loans, home construction loans, home improvement loans, plot purchase loans, loans against property (within 40% limit), and construction finance to builders and developers.
HFCs operating in Gandhinagar must maintain a minimum Capital to Risk-weighted Assets Ratio (CRAR) of 15%, including minimum Tier I capital of 10%. Higher CRAR may be required based on RBI assessment of the HFC.
The National Housing Bank (NHB) provides refinance support to HFCs in Gandhinagar at competitive rates, especially for affordable housing lending. While regulatory oversight shifted to RBI in 2019, NHB continues to support HFCs through refinance schemes and policy guidance.
HFCs in Gandhinagar must comply with RBI's priority sector lending (PSL) requirements. Housing loans up to Rs 35 lakh in metropolitan areas and Rs 25 lakh in other areas qualify as priority sector lending, encouraging affordable housing finance in Gandhinagar.
The transfer of HFC regulation from NHB to RBI in August 2019 brought HFCs in Gandhinagar under the unified NBFC regulatory framework. This means HFCs now follow RBI Master Directions, CRAR norms, asset classification rules, and governance requirements applicable to NBFCs.
HFCs in Gandhinagar must maintain minimum CRAR of 15% with at least 10% Tier I capital. The capital adequacy framework ensures that HFCs have sufficient capital buffer against credit risk, market risk, and operational risk in their housing finance portfolio.
HFCs in Gandhinagar with asset size of Rs 10,000 crore and above must maintain a Liquidity Coverage Ratio (LCR) as per RBI guidelines. All HFCs must also comply with Asset Liability Management (ALM) framework to manage maturity mismatches.
HFCs in Gandhinagar must comply with RBI corporate governance norms including: independent directors on the board, audit committee, nomination committee, risk management committee, fit and proper criteria for directors, and rotation of auditors as per Companies Act requirements.
HFCs operating in Gandhinagar must file:
NBS-7 annual return to RBI
NBS-8 quarterly return
ALM statements
Statutory audit report
NHB quarterly returns
Annual compliance certificate to RBI
IncorpX's HFC registration package in Gandhinagar starts at Rs 69,999 (excluding government fees and Rs 25 crore capital requirement). This includes complete application support, business plan preparation, RBI liaison, documentation, COSMOS portal filing, and query handling.
Operating a housing finance business in Gandhinagar without RBI registration is a serious offense under the RBI Act. Penalties include fines, imprisonment, and prohibition from carrying on housing finance activities. RBI can also initiate winding up proceedings against the company.
Directors of an HFC in Gandhinagar must meet RBI's fit and proper criteria including: no criminal record, clean CIBIL score, relevant experience in financial services or housing sector, no disqualification under Companies Act, and declaration of non-involvement in fraudulent activities.
HFCs in Gandhinagar must maintain ongoing compliance including: 60% housing finance asset composition, minimum 15% CRAR, LCR requirements, periodic RBI and NHB returns, fair lending practices, KYC compliance, asset classification norms, and provisioning requirements for non-performing assets.
IncorpX is the preferred choice for HFC registration in Gandhinagar due to: 25+ successful HFC registrations, 100% RBI approval rate, dedicated housing finance specialists, end-to-end support from incorporation to licensing, expert RBI query handling, and comprehensive post-registration compliance support.
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.
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Pravesh Kudesia
5/5
IncorpX is providing best service... And user experience! Thank You IncorpX Team
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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!
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