Build, License & Scale Your Financial Business in India
End-to-end solutions for NBFC setup, lending, recovery & BPO services — with complete compliance and expert guidance at every step.
RBI Registration Successful
License No. B-14.02376
Approved
98%
₹850 Cr+
Dedicated
0+
Businesses Served
0+
Licenses Delivered
0+
Years of Experience
0%
Approval Success Rate
0x7
Expert Support
Complete Financial Business Solutions Under One Roof
From registration to operations, we help you build a strong and compliant financial business.
NBFC Setup & RBI Licensing
- Entity structuring and shareholding design for RBI eligibility
- Net owned fund (NOF) planning and capital adequacy advisory
- Preparation and filing of the RBI Certificate of Registration application
- Fit-and-proper director and KMP documentation
- Policy drafting: fair practices code, KYC-AML, and credit policy
Lending Solutions
- DSA and channel partner onboarding, empanelment, and management
- Co-lending and business correspondent partnership structuring
- Lead sourcing operations across digital and offline channels
- Credit-appraisal support and file quality checks pre-disbursal
- Partner incentive design and performance tracking
Recovery & Collections
- Bucket-wise collection strategy design (0-30, 30-60, 60-90, 90+ DPD)
- Tele-calling teams trained on RBI's fair collection practices
- Field investigation and doorstep collection network across India
- Skip tracing for untraceable and absconding borrowers
- Legal recovery coordination — demand notices, arbitration, SARFAESI support
BPO & Business Process Services
- Inbound and outbound customer support for loan servicing
- Document verification, data entry, and back-office processing
- EMI reminder and payment reconciliation support
- Grievance redressal desk management
- Multilingual support across major Indian languages
Our Proven Process
Simple. Transparent. Effective.
Consultation
We understand your business goals.
Documentation
We prepare & verify all required documents.
RBI Filing
Application submitted to RBI.
Approval
RBI approval & license obtained.
Post Licensing Support
Compliance, reporting & ongoing support.
Ready to Start Your NBFC Journey?
Our experts are here to guide you at every step.
Trusted by Leading Businesses
Every part of a lending business, working as one system
Instead of hiring separate vendors for licensing, technology, compliance, and recovery, plug into a single ecosystem where every function connects to the next.
From first idea to a fully scaled lending business
Most partners join us at a single stage. Every one of them stays because the next stage is already mapped out.
Idea
Validating the lending business model and market opportunity.
Company Registration
Incorporating the right legal entity and shareholding structure.
NBFC Setup
Securing the RBI Certificate of Registration.
Technology
Standing up the loan management and servicing stack.
Funding
Raising equity or debt to fuel disbursals.
Operations
Running sourcing, underwriting, and servicing at scale.
Recovery
Managing collections and distressed-asset resolution.
Expansion
Scaling into new products, geographies, and partnerships.
Built for every corner of India's lending market
From gold loans to digital-first consumer credit, our teams understand the operational and regulatory nuance of each segment.
Consumer Lending
Personal loans, consumer durable finance, and digital credit lines built for scale and speed.
MSME Finance
Working capital, term loans, and invoice finance tailored to India's small business economy.
Gold Loans
High-velocity secured lending operations with valuation, vaulting, and recovery built in.
Housing Finance
Home loans and loan-against-property programs with long-tenure servicing and compliance.
Vehicle Finance
New and used vehicle finance with repossession and asset-recovery operations.
Education Finance
Education loan programs with income-based recovery and moratorium management.
Microfinance
Joint-liability group lending with field-first collections and regulatory alignment.
Digital Lending
App-first, paperless lending journeys backed by API-driven underwriting and servicing.
FinTech
Lending-as-a-service infrastructure for fintechs building credit products on top of NBFC partners.
Banks
Co-lending, BC operations, and outsourced recovery support for scheduled banks.
NBFCs
Full-stack licensing, technology, compliance, and recovery support for NBFCs at every stage.
Investors
Due diligence, portfolio assessment, and distressed-asset valuation for lending-sector investors.
Not a consultant. An operating partner.
Most consultants stop at documentation. We stay through implementation, operations, and every stage after.
Traditional Consultant
- Handles registration only, then disappears
- Manual, paper-heavy processes
- Separate vendors for tech, compliance, and recovery
- No lending technology or platform support
- Generic advice with no operational accountability
Bharat Cred Solutions
- End-to-end partner, from licensing through scale
- Technology-driven processes and dashboards
- One accountable team across every function
- Loan management systems and API integrations built in
- Operational accountability — we run alongside you
The lending stack, already built
Loan management, CRM, collections, and analytics — integrated with the APIs modern lending depends on, so you launch on infrastructure instead of building it from scratch.
1,284
Active Loans
₹12.4 Cr
Disbursed MTD
94.6%
Recovery Rate
Real transformations, not testimonials
A look inside how partners moved from idea to license, from stressed to recovered, from manual to digital.
Why Businesses Trust Bharat Cred
- RBI & Regulatory Experts
- End-to-End Solutions
- High Success Rate
- Transparent Process
- Experienced Professionals
- Pan India Presence
Case Study Spotlight
NBFC Setup
From Idea to RBI-Registered NBFC in Record Time
A fintech founder team went from concept to a fully licensed NBFC with a ready compliance calendar.
View All Case StudiesLatest RBI Updates
Master Direction on NBFC Scale Based Regulation
Consolidated Master Direction
Fair Practices Code for NBFCs
Master Direction
KYC Master Direction
Master Direction
Free Resources
Download essential checklists and guides for your business.
- NBFC Licensing Roadmap
- Collections Playbook
- Digital Lending Tech Stack Guide
- RBI Compliance Calendar Template
Everything we know, made available
Regulatory updates, practical guides, and reference material for anyone building a lending business in India.
Search the site, right from the chat
This assistant answers only from what's published on this site — solutions, industries, FAQs, and guides. For anything more specific, our team follows up directly. Look for the chat bubble in the corner of every page too.
Ready to build your financial business?
Tell us where you are — idea, license, or scale — and we'll map the fastest path forward on a strategy call.