fdi

Fintech Regulations for Foreign Companies in India

Navigating India's fintech regulatory landscape — NBFC licensing, digital lending rules, and payment aggregator guidelines for foreign investors.

A

Accountify Editorial Desk

Finance Expert

25 October 2023
1 min read
2136 views

Fintech FDI in India: Regulatory Landscape

India's fintech ecosystem is the world's 3rd largest, with $30B+ in funding. But regulations are complex.

Key Regulatory Requirements

  • NBFC License: Required for lending activities. Foreign investment up to 100% under automatic route
  • Payment Aggregator License: RBI license mandatory since 2020. Net worth requirement of 25 crore
  • Digital Lending: Must lend through regulated entity (NBFC/bank). Direct lending by unregulated fintechs banned

Data Localization

Payment data must be stored in India (RBI mandate). DPDP Act adds additional data protection requirements. Plan your data architecture accordingly.

Opportunities

UPI-based payments, BNPL, neobanking, insurtech, and wealthtech are high-growth segments. India has 100M+ digital lending customers.

Accountify specializes in NBFC compliance. Let us handle the regulatory complexity.

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Tags:

#fintech FDI India
#RBI fintech regulations
#digital lending India
#NBFC foreign investment

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