NBFCs are categorized a) in terms of the type of liabilities into Deposit and Non-Deposit accepting

NBFCs, b) non deposit taking NBFCs by their size into systemically important and other non-deposit
holding companies (NBFC-NDSI and NBFC-ND) and c) by the kind of activity they conduct. Within
this broad categorization the different types of NBFCs are as follows:

I. Asset Finance Company (AFC) : An AFC is a company which is a financial institution carrying on as
its principal business the financing of physical assets supporting productive/economic activity, such as
automobiles, tractors, lathe machines, generator sets, earth moving and material handling
equipments, moving on own power and general purpose industrial machines. Principal business for
this purpose is defined as aggregate of financing real/physical assets supporting economic activity
and income arising therefrom is not less than 60% of its total assets and total income respectively.

II. Investment Company (IC) : IC means any company which is a financial institution carrying on as its
principal business the acquisition of securities,

III. Loan Company (LC): LC means any company which is a financial institution carrying on as its
principal business the providing of finance whether by making loans or advances or otherwise for any
activity other than its own but does not include an Asset Finance Company.

IV. Infrastructure Finance Company (IFC): IFC is a non-banking finance company a) which deploys at
least 75 per cent of its total assets in infrastructure loans, b) has a minimum Net Owned Funds of ₹
300 crore, c) has a minimum credit rating of ‘A ‘or equivalent d) and a CRAR of 15%.

V. Systemically Important Core Investment Company (CIC-ND-SI): CIC-ND-SI is an NBFC carrying on

the business of acquisition of shares and securities which satisfies the following conditions:-

(a) it holds not less than 90% of its Total Assets in the form of investment in equity shares, preference
shares, debt or loans in group companies;

(b) its investments in the equity shares (including instruments compulsorily convertible into equity
shares within a period not exceeding 10 years from the date of issue) in group companies constitutes
not less than 60% of its Total Assets;

(c) it does not trade in its investments in shares, debt or loans in group companies except through
block sale for the purpose of dilution or disinvestment;

(d) it does not carry on any other financial activity referred to in Section 45I(c) and 45I(f) of the RBI
act, 1934 except investment in bank deposits, money market instruments, government securities,
loans to and investments in debt issuances of group companies or guarantees issued on behalf of
group companies.

(e) Its asset size is ₹ 100 crore or above and

(f) It accepts public funds

VI. Infrastructure Debt Fund: Non- Banking Financial Company (IDF-NBFC) : IDF-NBFC is a company
registered as NBFC to facilitate the flow of long term debt into infrastructure projects. IDF-NBFC raise
resources through issue of Rupee or Dollar denominated bonds of minimum 5 year maturity. Only
Infrastructure Finance Companies (IFC) can sponsor IDF-NBFCs.

VII. Non-Banking Financial Company - Micro Finance Institution (NBFC-MFI): NBFC-MFI is a non-
deposit taking NBFC having not less than 85% of its assets in the nature of qualifying assets which
satisfy the following criteria:

a. loan disbursed by an NBFC-MFI to a borrower with a rural household annual income not exceeding
₹ 1,00,000 or urban and semi-urban household income not exceeding ₹ 1,60,000;
b. loan amount does not exceed ₹ 50,000 in the first cycle and ₹ 1,00,000 in subsequent cycles;

c. total indebtedness of the borrower does not exceed ₹ 1,00,000;

d. tenure of the loan not to be less than 24 months for loan amount in excess of ₹ 15,000 with
prepayment without penalty;

e. loan to be extended without collateral;

f. aggregate amount of loans, given for income generation, is not less than 50 per cent of the total
loans given by the MFIs;

g. loan is repayable on weekly, fortnightly or monthly instalments at the choice of the borrower

VIII. Non-Banking Financial Company – Factors (NBFC-Factors): NBFC-Factor is a non-deposit

taking NBFC engaged in the principal business of factoring. The financial assets in the factoring
business should constitute at least 50 percent of its total assets and its income derived from factoring
business should not be less than 50 percent of its gross income.

IX. Mortgage Guarantee Companies (MGC) - MGC are financial institutions for which at least 90% of
the business turnover is mortgage guarantee business or at least 90% of the gross income is from
mortgage guarantee business and net owned fund is ₹ 100 crore.

X. NBFC- Non-Operative Financial Holding Company (NOFHC) is financial institution through which
promoter / promoter groups will be permitted to set up a new bank .It’s a wholly-owned Non-Operative
Financial Holding Company (NOFHC) which will hold the bank as well as all other financial services
companies regulated by RBI or other financial sector regulators, to the extent permissible under the
applicable regulatory prescriptions.

Examples of each type of nbfc:

1. Asset finance company:

· Credo Financial Services [Credo Financial] (Focuses on two-wheeler financing)

· Equipment Lease India [Equipment Lease India]
· Srei Equipment Finance Limited [Srei Equipment] (Focuses on infrastructure equipment)
· Citicorp Finance (India) Limited [Citicorp Finance]
2. IC:

· Mutual Fund Houses:

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· These companies manage funds invested by a large number of people and offer various
investment options like equity funds, debt funds, and hybrid funds. Some of the major Mutual Fund
houses in India include:

 SBI Funds Management Pvt. Ltd.

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bfsi.eletsonline.com

SBI Funds Management Pvt. Ltd. India


 ICICI Prudential Mutual Fund

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en.wikipedia.org

ICICI Prudential Mutual Fund India


 HDFC Mutual Fund
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www.hdfcfund.com

HDFC Mutual Fund India


 Reliance Mutual Fund

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www.paytmmoney.com

Reliance Mutual Fund India


 Aditya Birla Sun Life Mutual Fund
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en.wikipedia.org

Aditya Birla Sun Life Mutual Fund India

· Private Equity Firms: These firms raise capital from institutional investors and invest it in
companies that are not publicly listed. Some of the well-known Private Equity Firms in India include:

 Sequoia Capital India

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Sequoia Capital India


 KKR India
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www.forbesindia.com

KKR India


 Temasek Holdings

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startupstorymedia.com

Temasek Holdings India


 ChrysCapital
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resultscx.com

ChrysCapital India


 Actis

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www.constructionweekonline.in

Actis India

· Venture Capital Firms: These firms invest in early-stage companies with high growth potential.
Some of the prominent Venture Capital Firms in India include:

 Kalaari Capital
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entrackr.com

Kalaari Capital India


 SAIF Partners

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entrackr.com

SAIF Partners India


 Lightspeed Venture Partners
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www.businesswire.com

Lightspeed Venture Partners India


 Accel Partners

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www.accel.com

Accel Partners India


 Blume Ventures
 

LOAN COMPANY NAMES IN INDIA

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Here are some loan company names in India, categorized by type:

Public Sector Banks:

 State Bank of India (SBI)

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fly.finance

State Bank of India (SBI) loan India

 
 Bank of Baroda

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www.bankofbaroda.in

Bank of Baroda loan India


 Punjab National Bank (PNB)

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www.pnbindia.in

Punjab National Bank (PNB) loan India


 Canara Bank
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www.gyandhan.com

Canara Bank loan India


 Indian Bank

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www.gyandhan.com

Indian Bank loan India

Private Sector Banks:

 HDFC Bank
 Opens in a new window www.hdfcbank.com

HDFC Bank loan India


 ICICI Bank

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www.icicibank.co.uk

ICICI Bank loan India


 Axis Bank

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career.webindia123.com


 Axis Bank loan India


 Kotak Mahindra Bank

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www.apnarupee.com

Kotak Mahindra Bank loan India


 IndusInd Bank

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www.indusind.com

IndusInd Bank loan India

Non-Banking Financial Companies (NBFCs):

 Bajaj Finance
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www.fortuneindia.com

Bajaj Finance loan India


 Mahindra & Mahindra Financial Services

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www.slideshare.net

Mahindra & Mahindra Financial Services loan India


 Tata Capital Financial Services
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en.wikipedia.org

Tata Capital Financial Services loan India


 Fullerton India Credit Company

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www.slideshare.net

Fullerton India Credit Company loan India


 Muthoot Finance
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www.muthootfinance.com

Muthoot Finance loan India

Remember: This is not an exhaustive list, and there are many other loan companies
operating in India. It's always best to research and compare different lenders based on your
specific needs and creditworthiness before making any loan applications.

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INFRASTRUCTURE FINANCE COMPANY NAMES IN INDIA

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In India, infrastructure finance is a crucial sector supported by various institutions. Here are
some prominent names to consider:

Public Sector Undertakings (PSUs):

 India Infrastructure Finance Company Limited (IIFCL): This is a government-owned company

established specifically to provide long-term financing for viable infrastructure projects.
 [Search india infrastructure finance company limited ON Bureau of Energy Efficiency
adeetie.beeindia.gov.in]

Major NBFCs (Non-Banking Financial Companies):

 Several prominent NBFCs play a significant role in infrastructure financing. Here are a few
examples:

o L&T Finance Holdings Limited: This NBFC offers project finance solutions for a range
of infrastructure sectors [Search l&t financial services ON ltfh.com]
o Tata Capital Financial Services Limited: This company provides infrastructure
financing alongside other financial services [Search tata capital financial services ON
[invalid URL removed]]
o Infrastructure Development Finance Company Limited (IDFC): While IDFC merged
with Bank of Baroda in 2019, it was previously a significant player in infrastructure
finance [Search idfc bank ON Bank of Baroda bankofbaroda.com]

Specialized Infrastructure Finance Institutions:

 National Bank for Agriculture and Rural Development (NABARD): This institution provides
financial support for rural infrastructure development [Search NABARD India ON नाबार्ड
NABARD नाबार्ड .org]
 Power Finance Corporation Limited (PFC): This PSU focuses on financing the power sector
[Search Power Finance Corporation Limited India ON PFC pfc.in]
 Rural Electrification Corporation Limited (REC): Another PSU dedicated to financing projects
related to electrification in rural areas [Search Rural Electrification Corporation Limited India
ON REC Limited rec.in]

Remember:

 This list is not exhaustive, and numerous other infrastructure finance companies operate in
India, catering to specific needs.
 It's crucial to research and compare options based on your specific infrastructure project
requirements and financial needs.

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CIC-ND-SI COMAPNY NAMES IN INDIA

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Due to privacy regulations and the non-public nature of CIC-ND-SI companies, there isn't a
publicly available list with all their names.

Here's why it's difficult to find a list of CIC-ND-SI companies:

 RBI Regulation: The Reserve Bank of India (RBI) regulates CIC-ND-SI companies. The RBI
likely doesn't publish a list of these companies for privacy reasons.
 Non-Public Companies: CIC-ND-SI companies are not mandated to be publicly listed on stock
exchanges. This means their information isn't readily available through public filings.

However, there are alternative ways to potentially identify CIC-ND-SI companies:

 News & Industry Reports: Keep an eye on news articles or industry reports related to large
Indian companies. Sometimes, these reports might mention a company's CIC-ND-SI status,
especially if it's relevant to the news story.
 Company Filings: If you have a specific company in mind, you can check their annual reports
or other filings submitted to the Ministry of Corporate Affairs (MCA) website
(https://www.mca.gov.in/content/mca/global/en/home.html). These filings might reveal the
company's CIC-ND-SI status if applicable.

Remember, this approach requires some effort and may not always be successful.

Here are some resources that might be helpful in your search:

 RBI Website: The RBI website (https://www.rbi.org.in/) provides information on regulations

related to CIC-ND-SI companies. You might find helpful FAQs or notifications that shed light
on how these companies operate.
 Industry Associations: Industry associations related to the sector of the company you're
interested in might have information on its CIC-ND-SI status.

Overall, while it's challenging to find a comprehensive list of CIC-ND-SI companies in India,
the methods mentioned above can offer some leads in your search.

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IDF-NBFC COMPANIES IN INDIA NAMES

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There are currently only a limited number of IDF-NBFC companies operating in India. Here
are the confirmed names:

 India Infradebt Limited (India Infradebt): This is a prominent IDF-NBFC established by the
Government of India to provide long-term financing for infrastructure projects [Search India
Infradebt Limited India ON India Infradebt infradebt.in]
 Kotak Infrastructure Debt Fund Limited (Kotak IDF): Established by Kotak Mahindra Bank,
this IDF-NBFC focuses on financing infrastructure projects [Search Kotak Infrastructure Debt
Fund Limited India ON ‫ החברה האם קוטק מאהינדרה‬Kotak.com]
 NIIF Infrastructure Finance Limited (NIIF): This is a development finance institution set up by
the Government of India that also functions as an IDF-NBFC, providing financing for the
infrastructure sector [Search NIIF Infrastructure Finance Limited India ON National
Investment and Infrastructure Fund niifindia.com]

Important Note:

The Reserve Bank of India (RBI) doesn't publish an official list of IDF-NBFC companies.
The information above is based on reliable sources and might not be exhaustive. It's always a
good practice to check with the RBI website (https://www.rbi.org.in/) for the latest updates
on IDF-NBFC regulations or any official list that might become available in the future.

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NBFC-MFI COMPANY NAMES IN IDIA

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Here are some NBFC-MFI (Non-Banking Financial Company - Microfinance Institution)
company names in India:

Large, Established NBFC-MFIs:

 Bajaj Finserv: Offers microloans through its subsidiary Bajaj Finance Limited [Search bajaj
finserv microfinance ON bajajfinserv.in]
 Mahindra & Mahindra Financial Services (Mahindra Finance): Provides microloans for
various purposes [Search mahindra finance microfinance ON [invalid URL removed]]
 Ujjivan Financial Services: A prominent NBFC-MFI focused on microloans for women
entrepreneurs [Search ujjivan small finance bank ON [invalid URL removed]]
 Janalakshmi Financial Services: Another major NBFC-MFI catering to underserved
populations in India [Search janalakshmi financial services ON [invalid URL removed]]
 SKS Microfinance: A well-known NBFC-MFI specializing in microloans for low-income
households [Search sks microfinance ON [invalid URL removed]]

Additional NBFC-MFIs:

 Spandana Sphoorty Financial Ltd: Provides microloans with a focus on financial inclusion
[Search spandana spoorthy financial ltd ON spandana.com]
 Bandhan Financial Services Pvt. Ltd.: An NBFC-MFI known for its microloans and financial
services for underprivileged communities [Search bandhan financial services ON [invalid URL
removed]]
 CreditAccess Grameen Limited: Offers microfinance solutions in collaboration with Grameen
International [Search creditaccess grameen ON cagl.com]
 SAHAL (Society for Advancement of Human & Nature): A microfinance organization focused
on empowering women through microloans [Search sahal microfinance ON sahal.org]
 Disha Microfin Pvt. Ltd.: An NBFC-MFI serving low-income communities across various states
[Search disha microfin ON [invalid URL removed]]

Finding More NBFC-MFIs:

 RBI Website: The Reserve Bank of India (RBI) maintains a list of registered NBFC-MFIs. You
can access it through the RBI website, but the list might not be easily searchable
(https://www.rbi.org.in/).
 Industry Associations: Microfinance Industry Associations like MFIN (Microfinance
Institutions Network) (https://mfinindia.org/) might maintain lists of member NBFC-MFIs.

Remember: This is not an exhaustive list, and many other NBFC-MFIs operate across India.
It's advisable to research and compare options based on your specific needs and location.
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NBFC-FACTORS COMPANY NAMES IN INDIA

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Due to privacy regulations and the specific requirements for NBFC-Factors, obtaining a
comprehensive list of their names can be challenging. Here's why:

 RBI Regulations: The Reserve Bank of India (RBI) regulates NBFC-Factors. The RBI likely
doesn't publish a publicly available list of these companies due to privacy concerns.
 RBI Minimum Requirements: An NBFC can only be classified as an NBFC-Factor if at least
50% of its financial assets and income come from factoring business. This makes them a
niche category within NBFCs.

However, there are still ways to potentially identify NBFC-Factors in India:

 Company Filings: If you're aware of a specific company you suspect might be an NBFC-Factor,
you can check their filings with the Ministry of Corporate Affairs (MCA)
(https://www.mca.gov.in/content/mca/global/en/home.html). These filings might mention
their registration as an NBFC-Factor and the nature of their business.
 Industry Reports & News: Keep an eye on news articles or industry reports related to trade
finance or factoring solutions in India. These reports might mention specific NBFC-Factors
involved in such transactions.
 RBI Website: While the RBI might not provide a list of NBFC-Factors, their website
(https://www.rbi.org.in/) offers information on NBFC regulations and the requirements for
NBFC-Factors.

Here are some additional points to consider:

 The Factoring Association of India (FAI) is an industry body, but they likely wouldn't maintain
a public list of member companies due to privacy reasons.
  Some large NBFCs might have a dedicated factoring division. However, such a division
wouldn't necessarily qualify the entire NBFC as an NBFC-Factor based on the RBI's minimum
requirements.

Overall, finding NBFC-Factors in India requires some effort and may not always be
straightforward. The methods mentioned above can offer some leads, but success depends on
the specific company or details you're looking for.

You stopped this response

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MORTGAGE GUARANTEE COMPANIES IN INDIA NAMES

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In India, there is currently only one major mortgage guarantee company:

 India Mortgage Guarantee Corporation (IMGC): This is the first and currently the only
private limited company registered as a mortgage guarantee company in India
(https://www.imgc.com/). It was established in 2012 and is regulated by the Reserve Bank of
India (RBI) guidelines for mortgage guarantee companies.

IMGC partners with various lending institutions like banks, housing finance companies, and
NBFCs to provide them with mortgage guarantees. This helps mitigate the risk of defaults for
lenders and potentially allows them to offer more attractive loan options to borrowers.

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NOFHC COMPANY NAMES IN INDIA

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While NOFHC (Non-Operative Financial Holding Company) is a growing structure in India,

there aren't many publicly listed NOFHCs at this point. Here's why:

 Relatively New Structure: The RBI's mandate for new banks to be set up through a NOFHC
structure is a recent development. Existing established banks wouldn't necessarily require an
NOFHC structure.
 Private Information: The names of holding companies, including NOFHCs, are often not
publicly available due to privacy regulations.

However, here are some ways to potentially find NOFHC companies in India:

 News & Industry Reports: Keep an eye on news articles or industry reports related to new
bank licenses or large financial groups in India. These reports might mention the creation of
a new NOFHC by a specific promoter group.
 Company Filings: If you have a name of a company group planning to establish a bank, you
can check their filings with the Ministry of Corporate Affairs (MCA)
(https://www.mca.gov.in/content/mca/global/en/home.html). The filings might mention the
creation of a subsidiary NOFHC.

Examples of Companies Likely to Have NOFHCs (Based on RBI Guidelines):

 Large Industrial Houses: If a large industrial house with existing financial businesses (like
insurance or investment arms) seeks a banking license, they would likely establish an NOFHC
structure as mandated by the RBI.
 Promoter Groups with Existing Financial Services: Promoter groups already having other
financial service companies (like NBFCs) would likely require an NOFHC structure to apply for
a new bank license.

Important Note:
The information above provides a general understanding and doesn't guarantee the existence
of a specific NOFHC for a particular company group. It's always best to consult reliable
financial news sources or industry reports for the latest developments on NOFHCs in India.