NBFC layer finder
Work out which layer of the scale-based framework your NBFC is in, and what that changes.
Settle which layer you are in, and stop applying rules meant for a different one.
Free · no sign-up · nothing you type leaves your browser
See the answer panel — this one is not something you can work out.
This NBFC is in the
Base Layer
Non-deposit-taking and below ₹1,000 crore of assets.
What the layer changes
The lightest of the three, but not light.
- Asset classification on the ninety-days-past-due basis, in line with the rest of the sector.
- A board-approved policy framework, fair practices, and the KYC and outsourcing directions.
- Fewer supervisory returns — and a combined one rather than the split pair the layers above file.
The prudential detail behind each of these is in the Scale Based Regulation Directions. What this site can show you exactly is the filing side — see the returns a Base Layer NBFC like this files.
Three of the four layers you can work out. The Upper Layer you cannot.
Base and Middle follow from facts about the company — its category, its size, whether it takes deposits. The Upper Layer is a designation: the Reserve Bank identifies those NBFCs and publishes their names, seventeen on the current list. No company puts itself there and none can compute its way in, so this asks you instead.
Being named brings enhanced regulation for at least five years, including a requirement to list within three.
The Top Layer is empty, by design. It exists so the Reserve Bank can move a single Upper Layer NBFC into it if the systemic risk from that one company rises substantially. No NBFC is in it, and none can put itself there.
One change to watch. In April 2026 the Bank proposed replacing the Upper Layer scoring model with a flat ₹1 lakh crore asset test. That is a proposal, so this tool does not apply it — the answer above still comes from the published list.
Where this answer comes from
This computes nothing. It applies the instrument named below to the facts you enter, and tells you which clause produced the answer, so you can go and read it rather than take this page's word for it.
It is a guide, not advice. Your own board-approved policy, your scheme terms and your auditor decide what applies to a particular account.
Source. Master Direction — Reserve Bank of India (Non-Banking Financial Company — Scale Based Regulation) Directions, 2023. The Upper Layer is identified by the Reserve Bank and published as a named list; it cannot be worked out from a company's own figures. A flat ₹1 lakh crore test for that layer was proposed in April 2026 and is not applied here, because it is a proposal. Read the Master Direction
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From the people who wrote this
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