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NBFC for sale refers to an existing NBFC, being made available for acquisition by a new entity, with benefits such as immediate market entry and avoiding a lengthy licensing process. It provides the buyer with access to an existing operational infrastructure, a customer base, assets, and a valid RBI-approved license. It is simply a process where a larger company approaches a smaller one.
At Corpbiz, we assist you throughout the entire process of acquiring a smaller NBFC, ensuring compliance with RBI regulations and a smooth transfer of ownership. Our services are designed to assist individuals, corporates, and investors, making the acquisition process seamless, efficient, and hassle-free.
Acquiring an existing NBFC company for sale offers several advantages to both the buyers and sellers, as discussed below:
The sale of an NBFC company allows the buyer to enter the financial market without waiting for the lengthy process of obtaining a new RBI license.
An NBFC company for sale allows access to an established customer base, providing immediate revenue potential and helping build trust within the market.
Through the sale of an NBFC company, you are eligible to gain a proven operational framework and necessary infrastructure, eliminating the need to build these from the ground up.
Acquiring an NBFC enables potential financial synergies, allowing for rapid growth and increased operational efficiency for the acquiring company.
The NBFC available for purchase with a different business model or product offerings helps diversify the buyer’s portfolio, reducing reliance on specific sectors or revenue streams.
The NBFC company for sale allows the seller to modernize their investment and unlock value from their business, providing liquidity for investment in other ventures or for personal use.
The NBFC company for sale ensures relieving the seller of regulatory compliance burdens, reporting requirements, and capital adequacy obligations, especially if the business is facing challenges in meeting regulatory standards.
The underperforming or non-core NBFC company for sale helps mitigate financial and operational risk associated with the business, allowing the seller to focus on core activities or areas of strength.
The following is the list of important checklists to be complied with before proceeding with NBFC license for sale-
An NBFC available for purchase can be acquired by an entity or individual, complying with the following eligibility requirements, as discussed below:
The list of documents needed to ensure the NBFC license for sale is as follows:
The step-by-step procedure needed for the sale of NBFC in India is as discussed below:
Sign Memorandum of Understanding
The first step requires the seller and the acquirer to sign a Memorandum of Understanding (MOU), indicating readiness for the sale and transfer.
Conduct Board Meeting
The next step requires both the seller and the acquirer to conduct a board meeting discussing the company-related issues post the signing of the MOU.
Publication of Notice Regarding NBFC Sale
The next step requires the publication of a notice regarding the sale of the NBFC within 30 days of the passing of the regulations.
Signing of Share Transfer Agreement
Upon publication of the notice, the share transfer agreement must be signed, signifying the transfer of the company’s shares with effect.
Second Public Notice for NOC from Creditors
A second public notice is issued to obtain a NOC (No Objection Certificate) from the company’s creditors, ensuring that liabilities are addressed before the transfer.
Liquidation Process & Transfer of Assets
The NBFC’s assets, liabilities, and operational responsibilities are evaluated and transferred to the acquirer as part of the ownership change.
Evaluation of Entity
The entity is thoroughly assessed to determine its financial health, operational stability, and compliance status.
Transfer of Undertaking
Lastly, the NBFC’s undertaking, including all rights, obligations, and responsibilities, is officially transferred to a new owner.
Conduct Survey Notice to the Regional Office
A formal notice of the acquisition and transfer is submitted to the respective Regional RBI office for regulatory approval and record-keeping.
Before considering the acquisition, it is important to understand the different types of NBFC available for sale in the market.
Asset Finance Company (AFC):
The asset finance company (AFC) is an NBFC that provides loans for purchasing physical assets like vehicles and machinery.Investment Company (IC):
An investment company (IC), an NBFC that primarily deals with securities investment, is available for sale in the market.Loan Company (LC):
The loan company (LC), NBFCs that provide loans and credit facilities to individuals and businesses, are available for sale.Infrastructure Finance Company (IFC):
Infrastructure Finance Company (IFC), an NBFC that finances infrastructure projects having a minimum net worth of Rs. 300 crores, is available for sale.Microfinance Institution (MFI):
The microfinance institution (MFI), which primarily focuses on providing small-ticket loans to low-income individuals and underserved communities, is an NBFC available for sale.Housing Finance Company (HFC):
The housing finance company, which provides loans for housing projects and home purchases, is an NBFC that is available for sale.Peer-to-Peer Lending (P2P) Platform:
The peer-to-peer lending (P2P) platforms, which directly connect lenders and borrowers through a digital platform, are one of the NBFCs available for sale.| S. No. | Aspect | NBFC for Sale | Bank for Sale |
|---|---|---|---|
| 1 | Regulatory Authority | Regulated by RBI under NBFC guidelines | Regulated by RBI under the Banking Regulation Act |
| 2 | Risk and Compliance | Lower compliance burden compared to banks | High compliance requirements with extensive reporting and capital adequacy |
| 3 | Customer Base | Focussed on niche segments such as loans, investments, etc. | Focussed on a broader retail and corporate customer base with full banking services |
| 4 | Scope of Operations | Primarily engaged in lending, investments, and other non-deposit activities | Provides full-fledged banking services, including deposits, loans, and foreign exchange |
| 5 | Operational Flexibility | Greater flexibility in product offering and expansion strategies | Operational decisions are subject to stricter regulatory controls and audits |
The due diligence of NBFC for sale includes a thorough assessment of its business activities to ascertain its assets and liabilities, estimating its commercial potential, as discussed below:
This involves the scrutiny of the legal basis of all the transactions of NBFC, which includes contracts, property, loans, impending litigations, cases, employment, and overall legal structure.
This involves the scrutiny of the legal basis of all the transactions of NBFC, which includes contracts, property, loans, impending litigations, cases, employment, and overall legal structure.
Financial due diligence involves examination of the financial information about the assets, liabilities, debts, cash flow, management, capital, etc., of the NBFC.
Financial due diligence involves examination of the financial information about the assets, liabilities, debts, cash flow, management, capital, etc., of the NBFC.
Commercial due diligence involves the evaluation of an NBFC as a unit of the business market of which it is a part. This also includes a careful analysis of the competitors, customers, relationships, business plan, extended sales, and strategies taken by the company.
Commercial due diligence involves the evaluation of an NBFC as a unit of the business market of which it is a part. This also includes a careful analysis of the competitors, customers, relationships, business plan, extended sales, and strategies taken by the company.
This includes due diligence of other vital components that form part of NBFC, such as taxation, intellectual property, information technology system, organizational structure, hierarchy system of management, communication channels followed by the organization, etc.
This includes due diligence of other vital components that form part of NBFC, such as taxation, intellectual property, information technology system, organizational structure, hierarchy system of management, communication channels followed by the organization, etc.
We have successfully assisted in the acquisition of 500+ NBFCs, helping them understand the complex regulatory requirements and expand their financial services.
Corpbiz, having a proven 99% success rate in facilitating NBFC for sale, ensures smooth licensing, compliance, and ownership transfer for our clients.
From due diligence and documentation to RBI approval and post-acquisition compliance, we provide end-to-end support throughout the NBFC acquisition process.
With 10+ years of experience in financial services, regulatory compliance, and business acquisitions, Corpbiz is your trusted partner for NBFC for sale.
Get access to a team of 200+ experts specializing in NBFC regulations, corporate finance, and compliance to guide you through every stage of the acquisition process.
Schedule a complimentary 30-minute consultation to understand acquisition requirements, assess eligibility, and create a step-by-step roadmap for the sale of NBFC ownership.
Our team offers 24/7 assistance to address your queries, provide updates, and ensure timely approvals and documentation throughout the acquisition journey.
Connect dedicated acquisition consultants who help you assess risk, streamline operations, and align your NBFC acquisition with strategic growth objectives.
Choose from customized acquisition packages designed to meet the needs of businesses of all sizes, ensuring a cost-effective and seamless NBFC takeover process.
Legal Researcher
Written by Neha Dawra. Last updated on Jun 15 2026, 02:09 PM
Neha Dawra has 4+ years of experience in legal research and intellectual property advisory. Her expertise lies in analyzing IP laws, drafting structured legal content, and simplifying complex registration procedures into clear, simple insights.
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