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Our CERSAI Registration Services ensure your security interest registration isn’t treated as mere paperwork—it’s the legal prerequisite for using SARFAESI to recover a defaulted loan, while protecting you against borrowers pledging the same asset elsewhere. As an experienced CERSAI Registration Consultant providing CERSAI Registration for NBFC across India, CS Chetna Shoor keeps your CERSAI filings current across your secured loan book.
CERSAI—the Central Registry of Securitisation Asset Reconstruction and Security Interest of India—is a Government of India company established under Section 20 of the SARFAESI Act, 2002. Our CERSAI Registration Services are designed specifically for CERSAI Registration for NBFC, ensuring timely regulatory compliance and accurate security interest filings. It operates two separate registries relevant to NBFCs: the security interest registry, covering mortgages, hypothecation, and securitisation transactions on borrower assets, and the Central KYC Registry (CKYCR), covering customer identity records. This page is specifically about the security interest side — a completely separate compliance track from CKYC, even though the same body operates both. See our dedicated CKYC Compliance service for the customer-identity registry.
Every equitable mortgage, registered mortgage, hypothecation of movable assets, or securitisation and asset reconstruction transaction your NBFC enters into must be registered with CERSAI within 30 days of its creation, modification, or satisfaction. Our CERSAI Compliance Services help ensure every filing is completed within the prescribed timeline. This isn’t a formality: since a 2016 amendment took effect in January 2020, registration is a legal precondition for using SARFAESI’s out-of-court enforcement mechanism against a defaulting borrower, and an unregistered interest risks losing priority if the same asset was pledged to another lender.
Window to register a security interest from its creation, modification, or satisfaction under our CERSAI Registration Services.
Registration is a legal precondition for using SARFAESI's out-of-court enforcement mechanism. Our CERSAI Compliance Services help ensure every filing meets this regulatory requirement.
An unregistered interest risks losing priority if the same asset was pledged to another lender, making timely CERSAI Registration essential for every secured lender.
The core categories of transactions covered under our CERSAI Registration Services.
Now required for on-lending/refinance filings under CERSAI's current format. Our CERSAI Registration Consultant ensures these disclosures are filed correctly.
Legal basis for the security interest registration obligation
RBI rejects over 40% of NBFC applications on the first attempt. Here’s what actually causes it.
Since the 2016 amendment to the SARFAESI Act took effect, an NBFC can only invoke SARFAESI's out-of-court enforcement mechanism if the underlying security interest was registered with CERSAI. Discovering a missed filing only when a borrower actually defaults — at the exact moment you need enforcement rights — is the worst possible time to find out. This is why many NBFCs rely on CERSAI Registration Services instead of managing filings manually.
An NBFC writing secured loans at any real scale generates a steady stream of CERSAI filings — new mortgages, hypothecations, modifications, satisfactions — and a portfolio tracked manually against the 30-day window tends to accumulate missed filings that only surface during a recovery action or an RBI inspection. Working with an experienced CERSAI Registration Company helps reduce operational errors and ensures timely compliance.
The registry recently added a mandatory source-of-funds disclosure for on-lending and refinance transactions, on top of the base filing categories. NBFCs still using older internal templates or workflows can file incomplete records without realizing the format itself has changed. Our CERSAI Compliance Services keep your filing process aligned with the latest regulatory changes.
Both registries are operated by CERSAI, but they serve entirely different purposes and are managed as separate compliance tracks. Our CERSAI Registration Services specifically focus on the Security Interest Registry applicable to NBFCs and secured lenders.
Covers mortgages, hypothecation and securitisation transactions on borrower assets—the registration every NBFC needs for secured lending. Our CERSAI Registration Consultant assists in completing these filings accurately.
This registry is separate from our CERSAI Registration, which focus exclusively on security interest registration.
Any NBFC with a secured lending book needs both registries maintained correctly, run as parallel but distinct compliance tracks, since they serve different regulatory purposes despite sharing the same operator. A professional CERSAI Registration Company can help manage both compliance tracks efficiently alongside your broader regulatory obligations.
We review your current filing status against your secured loan book and identify any obvious gaps as part of our CERSAI Registration Services.
A full audit by our CERSAI Registration Consultant, providing end-to-end CERSAI Registration Support for existing secured loan portfolios.
A workflow built and mapped to the 30-day window through our CERSAI Compliance Services, ensuring new security interests trigger timely filings.
Every new secured loan, modification, and satisfaction is registered through our CERSAI Registration Services as it occurs.
Asset searches are conducted before lending by our CERSAI Registration Company to confirm no prior pledge exists on the collateral.
A recurring check between your loan book and CERSAI records, helping our CERSAI Compliance Services identify compliance gaps before a recovery action exposes them.
Our CERSAI Registration Services work best when integrated into your lending workflow as a continuous compliance discipline rather than a periodic catch-up exercise.
Every new secured loan registered within the 30-day window through our CERSAI Registration Services, without exception.
Modifications and satisfactions filed promptly under our CERSAI Compliance Services as loans change or close.
Regular portfolio audits by our CERSAI Registration Consultant to catch compliance gaps before a recovery action exposes them.
Coordination with your broader NBFC Annual RBI Compliance and CKYC Compliance programs by our CERSAI Registration Company.
CS Chetna Shoor’s team replies within 4 hours on WhatsApp.
In practice, yes. While the SARFAESI Act itself doesn’t name every NBFC explicitly, RBI circulars have made CERSAI registration a firm expectation for all NBFCs creating security interests, and a 2016 amendment made registration a legal precondition for using SARFAESI’s enforcement mechanism at all. Any NBFC writing secured loans should ensure timely compliance through professional CERSAI Registration Services, regardless of how the underlying statute is worded.
A late or missed filing risks the NBFC losing priority if the same asset was pledged to another lender who registered first, and it can prevent the NBFC from invoking SARFAESI’s out-of-court enforcement mechanism against a defaulting borrower. Late filings also typically attract a per-day late fee once the 30-day window has passed. Working with an experienced CERSAI Registration Consultant helps reduce the risk of delayed or missed filings.
CERSAI operates both, but they’re functionally separate: the security interest registry records charges — mortgages, hypothecation, securitisation transactions — created over borrower assets, while the Central KYC Registry (CKYCR) records customer identity information. An NBFC with a secured lending book typically needs both maintained correctly, but they’re distinct obligations with different filing triggers and timelines. Our CERSAI Compliance Services focus exclusively on the Security Interest Registry for secured lending institutions.
Registrable transactions include equitable mortgages (deposit of title deeds), registered mortgages on immovable property, hypothecation of movable assets such as plant, machinery, stock, and receivables, and securitisation or asset reconstruction transactions. The scope has expanded over time to include intangible assets and factoring-related receivables assignments as well. Our CERSAI Registration Services cover all eligible security interest registrations in accordance with applicable regulatory requirements.
CERSAI has introduced a source-of-funds disclosure requirement specifically for on-lending and refinance transactions, requiring lenders to identify whether the funds involved are the lender’s own capital, on-lent funds, or refinance, along with identifying details for the source entity where applicable. This is a relatively recent addition to the filing format, and NBFCs using older submission templates need to update their process to capture it. As a trusted CERSAI Registration Company, ExpertVuw helps NBFCs comply with the latest filing formats and documentation requirements.
Qualified Company Secretary · ICSI Member · Founder, Expertvuw Management Pvt Ltd
Chetna has guided NBFC promoters through RBI’s COR process end to end, with particular focus on structuring the Net Owned Fund and business plan so the application survives first-round RBI scrutiny rather than coming back with a query.