1. Presented by :
Subhasish champatisingh
Inovation Business School,Muktapur,BBSR
2. introduction
non-banking financial company’’ is
a financial institution .
Which is registered under the company act 1956.
and its principal business is to receiving of
deposits, and lending the money
3. NBFC vs. BANK
NBFC BANK
1.They are not accepted 1.they are accepted demand
Demand deposits like deposits
(saving and current ac).
2. They are not accepted 2. they are accepted cheque.
Cheque.
3. scope of business is 3. scope of business is
unlimited limited
4.Foreign investment allows 4. 74% of foreign investment
100% to nbfc allows in private sector bank
4. Classification of NBFC according to
the nature business
The NBFCs that are registered with RBI are basically
divided into following categories depending upon its
nature of business:
equipment leasing company;
hire-purchase company;
loan company;
investment company;
Infrastructure finance company.
5. Equipment leasing company
Equipment leasing company means the company
which is carrying in the activity of leasing of
equipment.
The leasing business takes place in the contract
between leaser and leasee.
There are 2 types of leasing
1.operating leasing
2.financing leasing
6. Hire-purchase finance company
Hire-purchase finance company means the company
which is carrying the main business of financing the
physical asset through hire purchase method.
Generally automobile sector needs lot hire-purchase
finance
It is less risky because the goods purchased on hire
purchase method serves as security tills the
installment of loan paid.
7. Loan company
Loan company means any company which is a
financial institution carrying on as it’s principal
business the providing of finance whether by making
loans or advances .
These are otherwise called as finance company.
They provide loans to whole seller, retailer, small scale
industry and self employed people with a highest
intrest rate.
