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"A complete 2025 list of RBI-registered loan companies and NBFCs in India, verified for safety and compliance. Ideal for borrowers seeking secure loan options."
Published:
Updated: 27 November 2025
Looking for secure, fast, and RBI-compliant financing options? Then one needs to depend only on NBFCs that form part of the RBI register loan company list. An RBI-registered loan company is a non-banking financial institution backed by the Reserve Bank of India to grant loans and all related credit facilities to borrowers. These companies operate within a highly regulated environment.
In 2025, there are over 9,000+ registered NBFCs in India, of which around 300 major companies manage 80% of the total NBFC assets. When you choose an RBI registered loan app or company from the official RBI register loan company list, you’re protected by:
Opting for RBI-registered NBFCs means your loans are fast and easy, as well as fully secure and regulated. So, read ahead for a complete RBI register loan company list.
The top RBI-registered NBFCs in 2025 are a mix of large retail financiers and specialty lenders. The following RBI register loan companies list features some NBFCs that are known for wide loan portfolios, strong branch networks, and robust financial ratings. All these institutions have licenses issued by the RBI and offer various loans and financial products:
A subsidiary of Bajaj Finserv, established in 1987, Bajaj Finance is one of India’s largest NBFCs for consumer and personal loans. It provides personal loans, credit cards, EMI financing for appliances and electronics, business loans, and loans against property. Bajaj Finance has over 3,000 branches and serves 50+ million customers. As of 2025, it holds a global ‘BBB’ rating from S&P and is known for fast online loan processing.
Part of the Shriram Group, Shriram Finance is a leading NBFC in vehicle and personal financing. It has 2,500+ branches, primarily in semi-urban and rural markets. Shriram focuses on commercial vehicle loans (trucks, utility vehicles) and unsecured personal/business loans. Its customer base exceeds 6–7 million. The company’s long track record (over 4 decades) and specialised underwriting for underserved segments make it a trusted lender.
Muthoot Finance is India’s largest gold loan NBFC. Established in 1939, it offers quick, collateral-backed loans against gold and other jewellery, making it a go-to lender for cash needs. Muthoot also provides housing loans and vehicle loans, with an extensive presence in semi-urban and rural areas. Renowned for rapid loan disbursals, Muthoot’s services are designed for customers requiring fast liquidity.
Cholamandalam Investment & Finance Company Limited is a part of the Murugappa Group, founded in 1978. This company has a diversified portfolio of financial products like vehicle loans and SME loans. The company also offers mutual funds and stock investment services for both individual and corporate clients.
Established in 2007, Tata Capital is part of the Tata Group, was founded in the year 2007. The company's key offerings are loan services for personal, business, and home needs. It has 100 branches in operation and is registered with the National Housing Bank as a housing finance company. The company follows ethical business practices and a customer-oriented approach in its operations. Strong brand equity, together with an innovative approach, drives the leading market share for Tata Capital.
L&T Finance Holdings Ltd is a subsidiary of Larsen & Toubro. It operates in housing finance, rural lending, and SME lending through its subsidiaries. L&T Finance offers home loans, vehicle loans, SME term loans and working capital, and consumer durable loans. L&T Finance serves individuals, farmers and SMEs and has created a strong urban and rural network for easy access to financial services.
Aditya Birla Capital, ABFL (est. 1991), is on the RBI-registered loan company list in India. With an integrated portfolio of credit and wealth management services, ABF caters to both retail and corporate sectors, providing tailored solutions in personal finance, corporate finance, and SME financing. Its AAA long-term credit rating from India Ratings, A1+ short-term credit rating from ICRA and India Ratings, and AA+ perpetual debt credit rating from ICRA and India Ratings highlight the company’s financial stability and creditworthiness.
The NBFC arm of Mahindra & Mahindra, Mahindra Finance (est. 1991), initially financed vehicles, but now offers a broad loan portfolio. It has now extended to financing rural households and small businesses as well, making it one of the key players in rural finance.
Formerly GE Money, HDBFS (incorporated in 2007) is an NBFC owned by HDFC Bank. It offers both secured and unsecured loans to individuals and businesses. It has products that include personal loans, two-wheeler loans, consumer durable loans, and small business loans. HDBFS has strong capitalisation and top credit ratings (CARE AAA/CRISIL AAA), making it a reliable lender. It is RBI-registered and benefits from both its retail presence (1,747 branches) and the parent bank’s backing.
Sundaram Finance is a Chennai-based NBFC founded in 1954, initially financing commercial vehicles. But now extend their products, including vehicle finance (cars, two-wheelers), SME finance, leasing, insurance (through subsidiaries), mutual funds, and wealth management. With a AAA credit rating, Sundaram Finance has long been known for conservative risk practices. It operates primarily in South India but is a registered NBFC nationwide, offering stable financing solutions across the automobile and SME segments.
|
Company |
Personal Loans |
Business Loans |
Home Loans |
Gold Loans |
Auto Loans |
|
Bajaj Finance |
10% – 32% |
12% – 28% |
9% – 18% |
N/A |
10% – 24% |
|
Shriram Finance |
12% – 28% |
8% – 18% |
10% – 20% |
N/A |
8% – 16% |
|
Muthoot Finance |
12% – 28% |
14% – 26% |
11% – 19% |
10% – 16% |
N/A |
|
Cholamandalam |
11% – 26% |
10% – 18% |
9% – 17% |
N/A |
9% – 18% |
|
Tata Capital |
9% – 25% |
11% – 22% |
8% – 16% |
12% – 18% |
10% – 20% |
|
L&T Finance |
11% – 24% |
8.5% – 22% |
9% – 17% |
N/A |
9% – 19% |
|
Aditya Birla Finance |
10% – 28% |
10% – 18% |
8.5% – 15% |
N/A |
10% – 22% |
|
Mahindra Finance |
12% – 26% |
11% – 20% |
10% – 18% |
N/A |
8% – 14% |
|
HDB Financial |
10% – 28% |
12% – 24% |
9% – 16% |
11% – 17% |
10% – 20% |
|
Sundaram Finance |
11% – 26% |
9% – 20% |
8.5% – 15% |
N/A |
8.5% – 16% |
Before applying for a loan, users should verify that a lender is an RBI-registered loan company. The Reserve Bank of India publishes an official list of all NBFCs holding a valid Certificate of Registration. To check a company:
You can check out the RBI-registered loan company list in India and the best loan companies for instant financing in India to compare top RBI-approved NBFCs and choose the right option for your needs.
My Mudra makes your borrowing choices easier by helping you compare RBI-approved NBFCs, understand their services, and choose the right option for your financial needs. You can find the top RBI-registered loan companies in India. We help you:
Explore My Mudra today to get a personal loan from an RBI-registered loan company with quick disbursal, minimal paperwork, and transparent rates. Fuel your business growth with secured or unsecured loans from India’s top NBFCs. Explore Business Loan Options now!
Also Read:
- RBI Approved Loan Apps List (2025 – Trusted Digital Lenders)
- Top 10 Instant Personal Loan Apps in India 2025
A Non-Banking Financial Company is a company that is registered under the Companies Act, 1956 or Companies Act, 2013, and is engaged in the business of providing loans and advances, acquiring shares/stocks/bonds/debentures/securities issued by the Government or local authority or other marketable securities of a like nature, leasing, hire-purchase, etc.
Choosing an RBI-registered company ensures safety with regulatory standards. RBI-registered companies maintain sufficient capital, fair practices, and are monitored by the RBI. This typically means transparent interest rates and grievance redressal. Borrowers have more protection and can report issues to the RBI when dealing with a lender on the official RBI list.
Bajaj Finance, Shriram Finance, and Muthoot Finance are often preferred for their competitive rates, transparency, and services.
The RBI’s NBFC registry is updated regularly (often quarterly or as needed). A new updated list is always present on the RBI’s website for everyone. It’s a good practice to check the latest list on the RBI’s site before applying for any kind of loan.
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