Investor-ready and regulator-aware plans for NBFCs, fintechs, insurance intermediaries, payment companies and advisory firms.

A finance business plan sets out how an NBFC, fintech, insurance intermediary, payment company or advisory firm will win customers, meet capital and licensing rules, manage risk and become profitable. In India, founders use it to support RBI, SEBI or IRDAI applications, raise equity and borrowings, and show investors when the business will earn a return.

Aviaan Accounting is a financial services business plan company whose team of CAs, MBAs and business strategists prepares plans for founders, promoters and investors across India, combining market research, regulatory mapping and financial models built on documented assumptions, with valuation and due diligence support when a transaction needs them.

• Customised for your licence type, product and funding goal
• Capital adequacy, asset quality and liquidity built into the model
• Editable financial model included
• Confidentiality agreements available on request

Build a Strong Foundation for Your Financial Services Business

Financial services is one of India’s most tightly regulated sectors. Regulators look at capital, governance and systems before granting a licence, lenders look at asset quality and liquidity, and investors look at unit economics and credit losses. Getting the licence route or capital plan wrong can delay a launch by months. A clear financial company business plan helps you:

• Choose the right licence and legal structure for your product
• Plan minimum capital, net-owned funds and funding sources
• Model loan book, premium or transaction growth with realistic risk assumptions
• Present a credible case to regulators, banks and investors
• Track performance against clear targets after launch

Our financial services plans draw on Aviaan Accounting’s wider Business Plan Services expertise.

H2 — Our Financial Business Plan Services

Our team combines financial-sector research, regulatory mapping and financial modelling so that your strategy and your numbers support each other. Depending on your purpose, your plan can include:

• Executive summary written for your target reader
• Products, target customers, pricing and distribution
• Market sizing, competitor and regulatory analysis
• Credit, underwriting, risk and collections framework
• Technology, data protection and outsourcing arrangements
• Governance, team, compliance and reporting structure
• Financial projections, capital plan, funding requirement and risk analysis

A business plan for financial services company promoters is scoped with you upfront, so you pay only for the sections your plan and your regulator actually need.

What Financial Services Business Plan Preparation Covers in India

Licensing and Regulatory Capital

Most financial services models need a licence or registration. RBI regulates NBFCs, payment aggregators and other payment systems, SEBI regulates brokers, investment advisers, portfolio managers and asset managers, and IRDAI regulates insurers and insurance intermediaries. Your plan maps the right licence, minimum net-owned funds or net worth, fit-and-proper requirements and approval timelines. For example, RBI’s scale-based framework requires NBFCs in the investment and credit category to reach ₹10 crore of net-owned funds by March 2027, and payment aggregators need ₹15 crore of net worth at application, rising to ₹25 crore by the end of the third year.

Unit Economics and Profitability

Every model is tested at the level of a single loan, policy or transaction: acquisition cost, revenue, funding or claims cost, credit or fraud losses, servicing cost and the resulting margin. This shows how quickly the business reaches break-even and how sensitive profitability is to pricing, losses and cost of funds.

Credit, Risk and Collections

For lending models, we build disbursement, yield, cost of funds, credit-loss and collection-efficiency assumptions, and test how the business performs if delinquencies rise, including expected credit loss provisioning under Ind AS 109 where it applies. For insurance and payments, we model claims or chargebacks, fraud losses and reconciliation costs.

Technology, Data and Compliance

Core lending, policy or payment systems, KYC, fraud controls, partner APIs and cybersecurity are budgeted as core infrastructure. The plan reflects the Digital Personal Data Protection Act, 2023, RBI and SEBI outsourcing and IT expectations, and FEMA rules where foreign investment is involved.

Governance and Team

Regulators and investors look closely at who runs the business. Your plan sets out the board and the fit-and-proper criteria for its directors, key managerial personnel, risk and compliance functions, internal audit and reporting lines, and shows how governance will scale as the business grows.

H2 — Financial Services Business Plan for Startups in India

A financial services startup business plan must prove more than a good product: a clear licensing path, a realistic customer-acquisition cost, early partnerships with banks, NBFCs or insurers, and enough capital to survive until the loan book, premium base or transaction volume becomes profitable. We also show whether a partnership model, such as co-lending or acting as a lending service provider, can reach the market faster than a full licence, and how it would comply with RBI’s digital lending expectations. The plan also sets out the first key hires in credit, risk, compliance and technology.

Funding Your Financial Services Business

Financial Services Business Plan for Fundraising in India

Equity investors and lenders test the same numbers from different angles. We show how much capital you need, how it supports regulatory capital and growth, how debt funding will be layered as the book grows, and which milestones each round funds. For lenders, the plan also shows asset-liability matching, liquidity buffers and covenant headroom.

What Investors Look For

A financial company business plan for investors in India highlights unit economics per loan, policy or transaction, credit-loss assumptions, capital adequacy, return on equity, the path to profitability, the team’s regulatory track record and how the business compares with listed peers on key ratios.

Financial Services Sectors We Plan For

We also prepare sector-specific plans, each built around its own regulation and economics:

• Banking & Lending business plan: NBFCs, MSME and consumer lenders, co-lending and microfinance.
• Insurance Business Plan: insurers, brokers, corporate agents and insurtech platforms.
• Asset Management Business Plan: AMCs, portfolio managers, AIFs and wealth platforms.
• Payment Services Business Plan: payment aggregators, prepaid instruments and cross-border payments.
• Investor-ready Business Plan: fundraising-focused plans for any financial services model.

Our Financial Services Business Plan Development Process

1. Discovery call: we understand your product, licence route, stage and funding goal.
2. Research: market, competitor and regulatory research tailored to your model.
3. Operating model and projections: risk, technology, team and a financial model built on the same assumptions.
4. Draft and review: you review the draft and we revise it within the agreed scope.
5. Final plan: a polished plan formatted for your regulator, lender, investor or board.

Timelines depend on the complexity of your model and how quickly information is available, and are agreed at the start.

Business Plan Case Studies

Every financial services plan starts with a different question. Here is how Aviaan Accounting’s team approaches three common ones:

Illustrative Example 1: MSME Lending NBFC Seeking Bank Funding

The challenge: a new NBFC needed term loans from banks to grow its MSME loan book. What we built: disbursement and yield forecasts, cost of funds, credit-loss and collection scenarios, capital adequacy projections and a liability plan matched to the loan book. Why it matters: lenders can see how the NBFC stays well-capitalised even in a stress case.

Illustrative Example 2: Insurance Broking Startup Applying for a Licence

The challenge: founders planning an insurance broking business needed a plan for their IRDAI application and early investors. What we built: product and distribution strategy, premium and commission forecasts, compliance and technology costs, and capital requirements. Why it matters: the plan supports both the application and the fundraising conversation.

Illustrative Example 3: Payments Fintech Raising a Series A

The challenge: a payments startup needed to show investors how it would meet RBI net-worth rules while scaling transaction volumes. What we built: transaction and take-rate forecasts, fraud and chargeback assumptions, a net-worth roadmap and a use-of-funds plan. Why it matters: investors see growth and compliance planned together.

Why Choose Aviaan Accounting for Your Business Plan

Our financial company business plan services bring strategy, regulation and numbers together:

• Research and finance together: market research, financial modelling and business writing under one team.
• Qualified team: CAs, MBAs and business strategists.
• Regulation-aware: plans structured around RBI, SEBI or IRDAI expectations for your model.
• Defensible numbers: projections built on documented assumptions and stress-tested scenarios.
• Beyond the plan: valuation, due diligence and fractional CFO support as you grow.
• Clear documentation: every assumption and source set out so regulators and investors can test it.
• Confidential: NDAs available on request.

Business Plan FAQs

What should a business plan for starting a financial services company in India include?

Typically the product and target customers, licence route, capital plan, risk and collections framework, technology and compliance, team and governance, financial projections and funding requirement.

Can the plan support an RBI, SEBI or IRDAI application?

Yes. We structure the plan around the information regulators typically review, although approval always depends on the regulator’s own assessment.

Which licence does my financial services business need?

It depends on what you do: lending usually needs an RBI NBFC registration or a partnership model, payments may need RBI authorisation, broking and advisory need SEBI registration, and insurance distribution needs an IRDAI licence. The plan maps the right route for your model.

Do you build the financial model as well?

Yes. Every plan includes an editable financial model with capital, funding and stress-test scenarios.

How much does the service cost?

The fee depends on the licence type, product complexity, research depth and the financial model. We share a fixed quote after the initial consultation.

Can you review a plan I have already drafted?

Yes. We can review your draft, test the assumptions and financial model, and strengthen the sections regulators, lenders or investors are likely to question.

Is a feasibility study the same as a business plan?

No. A feasibility study tests whether an idea is viable before you commit capital; a business plan sets out how the business will be built and run. Aviaan Accounting offers both.

Start Your Business Plan with Aviaan Accounting

Launching an NBFC, building a fintech, entering insurance distribution or raising capital for your platform? Get a plan that regulators, lenders and investors can test. Email advisory@aviaanaccounting.com, call +91 9930955615, or request a consultation.