Overview
About Banking License
Obtaining a banking licence in India is among the most rigorous regulatory journeys a business can undertake. The Reserve Bank of India evaluates promoters, capital, governance and business models with exacting scrutiny, whether for a Universal Bank, Small Finance Bank or Payments Bank licence.
Realms Enterprises guides promoter groups through the complete journey: assessing eligibility honestly before you commit, structuring the entity and capital to RBI norms, preparing the application and business plan, and managing the regulatory dialogue through to licence grant and operationalisation.
What We Cover
- Eligibility and fit-and-proper assessment of promoters and group structure
- Licence category selection: Universal Bank, Small Finance Bank, Payments Bank
- Capital structure planning to meet minimum capital and holding-company norms
- Application drafting, business plan and financial projections in RBI format
- RBI liaison, query handling and presentation support through the review
- Post-licence support: compliance framework, policies and operational readiness
Why Realms
- Regulatory documentation prepared by specialists who know what RBI committees look for
- Honest feasibility advice before you spend, not after
- Banking, legal and capital-market expertise under one mandate
- Complete confidentiality for promoter groups throughout