NBFC Advisor

𝐆𝐮𝐣𝐚𝐫𝐚𝐭 𝐉𝐮𝐬𝐭 𝐏𝐫𝐨𝐯𝐞𝐝 𝐄𝐯𝐞𝐫𝐲𝐨𝐧𝐞 𝐖𝐑𝐎𝐍𝐆. For years, people said Gujarat is only about textiles, jewellery, and family businesses. But things are changing fast. A Gujarat-based firm, Valmiki Leela Capital, just received the Category-I Merchant Banking License from SEBI. This is one of the toughest approvals in Indian finance. It shows that Gujarat is now entering the big league of modern finance. This is happening at a time when Indian companies are expanding quickly, entering global markets, raising funds, and launching IPOs. And to support this growth, we need trusted and compliant merchant bankers. Merchant Bankers play a key role. They help companies: → Raise capital smoothly → Make M&A decisions → Manage valuations and capital structure. A local company getting this licence shows strength and capability in our ecosystem. 𝘈𝘳𝘦 𝘸𝘦 𝘦𝘯𝘵𝘦𝘳𝘪𝘯𝘨 𝘐𝘯𝘥𝘪𝘢’𝘴 𝘴𝘵𝘳𝘰𝘯𝘨𝘦𝘴𝘵 𝘥𝘦𝘤𝘢𝘥𝘦 𝘧𝘰𝘳 𝘱𝘶𝘣𝘭𝘪𝘤 𝘮𝘢𝘳𝘬𝘦𝘵𝘴? #NBFCAdvisor #MerchantBanking #SEBI #Gujarat #IPO #CapitalMarkets #Startups #FinancialServices

Ola Electric’s pivot to energy storage appears to be a defensive manoeuvre against sliding scooter sales, missed fundraising attempts, and eroding investor trust.

Reserve Bank of India (RBI) just slapped HDFC Bankwith a Rs 91 lakh penalty (order dated Nov 18, 2025) for outsourcing KYC compliance to third parties—a core function that’s strictly off-limits under RBI’s ironclad guidelines for banks and NBFCs. This isn’t just a slap on the wrist; it’s a stark reminder that regulatory lapses in outsourcing can cost you big—both in fines and reputational hits. - Never outsource core functions like KYC decisions, internal audits, or regulatory reporting to unregulated third parties. RBI’s outsourcing guidelines are non-negotiable. - Board-approved outsourcing policy is a must: Vet vendors rigorously for RBI alignment, retain full oversight, and ensure SLAs cover compliance handoffs. HDFC’s outsourcing of KYC verification to agents crossed the line. - Align with DPDP Act 2023 for data privacy—RBI now cross-references this in fintech audits, and mishandling sensitive customer data via outsiders amplifies risks. In cross-border ops (e.g., overseas lending), secure RBI nod for forex compliance; residents can’t solicit foreign deposits without approval. One wrong move, and you’re in HDFC’s shoes. Audit your outsourcing setup NOW. Draft/update your policy by December 2025—include ironclad SLAs for compliance. Don’t wait for RBI’s knock. Fintechs, banks, NBFCs: Compliance isn’t optional—it’s your shield. What’s your biggest outsourcing headache? NBFC Advisor GenZCFO #RBI #FintechCompliance #DataPrivacy #OutsourcingRisks

🚨 NBFCs: The ₹10 Crore NOF Deadline (March 2027) Is Closer Than You Think. We are in the trenches every day — compliance audits, capital raises, merger discussions, RBI interactions — and one thing is crystal clear: This is no longer just a regulatory checkbox. It’s the single biggest survival test for thousands of NBFCs in the next 15 months. The ground reality we are noticing right now: • Ample no of NBFCs are still ₹2–7 Cr short of the ₹10 Cr NOF • Fundraising cycles have stretched to 9–18 months • Many promoters are confused between fresh equity, debt, PE or merger routes • The “we’ll do it next quarter” mindset is dangerously common If you miss March 2027 → • Automatic scale-based regulation trigger • Licence cancellation risk • Existing lenders & rating agencies pulling back • Zero access to fresh bank funding • Sharp drop in valuation & credibility This is not a drill. What the smartest NBFCs are doing RIGHT NOW (real cases we are handling): • Aggressive promoter/family office equity infusion (fastest route) • Strategic mergers with complementary NBFCs (2 becoming 1 = instant compliance + synergy) • Converting to Core Investment Company (CIC) where asset-holding structure allows • Pre-emptive dialogue with RBI regional office (yes, they are open to structured plans) • Bringing in PE/strategic investors early at pre-compliance valuation (still reasonable) The ones who start in 2025 → multiple options + negotiating power The ones who wake up in 2026 → fire-sale valuations or forced exit If you’re an NBFC promoter, CFO or compliance head sitting on this, ask yourself: • Have you stress-tested your NOF gap after March 2026 ossification rules? • Do you have a committed funding/merger term-sheet in hand today? • Have you spoken to RBI in the last 6 months about your roadmap? Comment “NOF” if you want a no-fluff 15-minute call on: • Which route actually suits your NBFC profile • Realistic timelines & costs I’m seeing in live deals • Sample RBI submission templates that are getting quick nods Let’s not meet at the deadline with panic. Let’s fix this while you still have choices. #NBFC #RBICompliance #NetOwnedFund #FintechIndia #NBFCGrowth #NOFRequirment

Mixed market sentiment persisted across new-age tech stocks, with 29 of 47 companies ending the week in the red and the segment’s combined market cap slipping marginally to $131.27 Bn

Is your NBFC still running on legacy systems that slow you down and inflate costs? It’s time to break free and unlock explosive growth with modern fintech-powered solutions designed exclusively for Non-Banking Financial Companies. Here’s how the right fintech partner transforms your business: • Seamless Compliance Automation – Say goodbye to manual RBI reporting, KYC headaches, and audit nightmares. Get real-time regulatory updates and 100% audit-ready trails. • Lightning-Fast Loan Origination & Disbursement – Reduce turnaround time from days to minutes with digital onboarding, instant credit scoring, and straight-through processing. • Zero-Friction Digital Payments & Collections – Integrate UPI, IMPS, NEFT, cards, and wallets in one stack. Boost recovery rates with smart reminders and automated reconciliation. • Powerful Data Analytics & Risk Management – Predict defaults before they happen, optimize portfolio yield, and make sharper lending decisions using AI-driven insights. • 360° Customer Experience – Offer your borrowers a fully digital journey (app + WhatsApp + web) while you retain complete control and branding. • Scalability Without the Headache – Cloud-native platforms that grow with you – from 1,000 loans to 10 lakh+ without adding servers or headcount. • Future-Ready & Secure – Bank-grade encryption, ISO 27001 + PCI DSS compliant, and ready for upcoming regulations like Digital Lending Guidelines and Account Aggregator ecosystem. Stop managing limitations. Start multiplying opportunities. DM us or drop “TRANSFORM” below to book a free 30-minute diagnostic call and discover exactly how much time, money, and growth you’re leaving on the table. Your NBFC deserves more than survival mode. Let’s build the future together. #NBFC #Fintech #DigitalLending #LendingTransformation #RBICompliance #LoanOrigination #FinancialInclusion

SEBI has fined DroneAcharya, its founders, and advisors a total of INR 75 Lakh and barred them from the securities market for up to two years, citing a "systematic attempt to mislead investors"

𝖱𝖡𝖨 𝖼𝖺𝗇 𝖼𝖺𝗇𝖼𝖾𝗅 𝖺𝗇 𝖭𝖡𝖥𝖢 𝗅𝗂𝖼𝖾𝗇𝗌𝖾 𝖿𝗈𝗋 𝗌𝖾𝗏𝖾𝗋𝖺𝗅 𝗋𝖾𝖺𝗌𝗈𝗇𝗌, 𝖺𝗇𝖽 𝗆𝖺𝗇𝗒 𝗈𝖿 𝗍𝗁𝖾𝗆 𝖺𝗋𝖾 𝖺𝗏𝗈𝗂𝖽𝖺𝖻𝗅𝖾. Most issues arise from missed filings, weak KYC systems, poor governance, or not meeting the minimum NOF requirement. Once the license is cancelled, the NBFC cannot continue operations, and the recovery process becomes difficult. Understanding these 15 risks helps NBFCs stay compliant and avoid penalties. 👇 If you need help with compliance reviews, audits, or fixing regulatory gaps, NBFC Advisor can support you end-to-end. DM us to get your NBFC compliance checked. #NBFCAdvisor #RBI #Compliance #Audit #Governance #FinancialServices #RegulatoryCompliance #RiskManagement #NBFC

Neuron Energy has secured funding from Equanimity Ventures, Rajiv Dadlani Group, Thackersay Family Office, and HNIs