[Licence / Registration Name] - Regulatory Registration & Compliance Proposal
Prepared by Estabizz Fintech Private Limited
A reusable client-facing proposal format for regulatory licences, registrations and compliance engagements across RBI, SEBI, IRDAI, IFSCA and allied government frameworks.
Introduction - Estabizz Fintech Private Limited
Estabizz Fintech Private Limited is a regulatory advisory and compliance-focused consultancy supporting businesses across licensing, registration, documentation and post-registration compliance. Our approach is advisory-first, execution-led and designed for clients who need clarity before entering a regulated business.
We work with founders, CFOs, compliance teams and regulated entities to structure applications with regulatory discipline, realistic timelines and long-term compliance readiness. We do not promise approvals; we help reduce avoidable documentation gaps and support the client through regulator review.
Regulatory Overview
This section explains what the proposed licence is, who needs it, why the regulator mandates it and where it fits in the wider regulatory ecosystem. The final proposal should describe the applicant's intended activity, applicable regulator, eligibility requirements, documentation expectations and post-registration obligations in clear professional language.
Scope of Services
| Service Component | Description |
|---|---|
| Eligibility assessment | Review applicant structure, business model, ownership, regulatory exposure and applicable licence route. |
| Documentation review and structuring | Check incorporation documents, net worth evidence, KYC records, declarations, policies and supporting attachments. |
| Application preparation and submission | Prepare application forms, business plan, declarations, policy documents and filing support as may be applicable. |
| Regulatory coordination | Coordinate for filing status, clarification tracking and structured response preparation during regulator review. |
| Clarification handling | Prepare practical responses to regulator queries based on documentation quality and application facts. |
| Approval support | Support registration fee payment coordination and certificate issuance process, subject to regulator review. |
| Post-registration compliance guidance | Provide initial compliance orientation, reporting calendar and policy implementation guidance where agreed. |
Key Requirements
| Requirement Category | Regulatory Expectation |
|---|---|
| Legal structure | Applicant must be structured in a form permitted under the relevant regulator and licence framework. |
| Net worth / capital | Owned funds, minimum capital and net worth must be verified from the latest official regulatory schedule. |
| Infrastructure | Adequate office, technology, manpower, systems and record-keeping capability may be reviewed. |
| Key documents | Constitutional documents, KYC, financial records, declarations, business plan and policies are usually required. |
| Fit and proper | Promoters, directors, KMPs and key persons may be reviewed for integrity, solvency and regulatory background. |
| Compliance officer | A suitable compliance officer or responsible person may be required depending on the licence. |
| Ongoing compliance | Returns, audits, reporting, record retention and policy review continue after registration. |
| Change in control | Prior approval or intimation may be required for ownership, control or management changes. |
Timeline
Stage 1
Initial Assessment
Corporate structure review, net worth validation and eligibility confirmation before any filing commitment.
Stage 2
Documentation & Structuring
Preparation of application forms, declarations, compliance framework and internal policies.
Stage 3
Application Filing
Submission of completed application along with statutory fees, as may be applicable.
Stage 4
Regulatory Review & Clarifications
Regulator examination, query resolution and additional submissions, if required.
Stage 5
Approval & Post-Registration Support
Registration fee payment, certificate issuance and compliance orientation, subject to regulator review.
Actual timelines are subject to regulator review process, documentation quality, query rounds and application facts.
Process Flow
Incorporation / Structure Review
Net Worth / Capital Confirmation
Governance & Compliance Structuring
Application Preparation
Filing with Regulator
Regulatory Scrutiny & Clarifications
Registration Fee Payment
Certificate Issuance
Ongoing Compliance & Reporting Support
Commercials - Fees & Payments
Professional Fees
| Particular | Amount | GST | Total |
|---|---|---|---|
| Professional advisory and documentation support | To be quoted | As applicable | To be confirmed |
| Post-registration compliance retainer | Optional | As applicable | Separate quote |
Payment Tranches
| Stage | Amount | Trigger |
|---|---|---|
| Stage 1 | Initial tranche | On engagement confirmation |
| Stage 2 | Documentation tranche | Before application preparation and policy drafting |
| Stage 3 | Filing / support tranche | Before filing or regulatory query support |
Government / Regulatory Fees
All statutory / regulatory fees shall be paid directly by the client on the respective government or regulator portal through UPI / Debit Card / Net Banking, as applicable.
Important Commercial Notes
| Note | Position |
|---|---|
| Professional fees | Professional fees are exclusive of statutory and regulatory fees. |
| Additional scope | Any additional advisory, restructuring or revised filing beyond agreed scope shall be quoted separately. |
| Timelines | Timelines are subject to regulator review, query rounds and regulatory processing. |
| Client delays | Delays due to incomplete documentation or structural non-compliance may extend timelines. |
| Retainer | Post-registration compliance retainer services are not included unless specifically agreed. |
Closing Note
At Estabizz Fintech Private Limited, our commitment is to guide clients with regulatory accuracy, transparent execution and structured compliance planning. We look forward to supporting not only the registration journey but also long-term regulatory alignment.