Precision License Discovery.
Zero regulatory surprises.
Input your operating profile. Our rule engine executes 300+ compliance checks against 800+ Indian licenses instantly - detailing your central, state, and municipal obligations.
How the Discovery Engine Works
In India, licensing requirements are highly granular. A business operating in Bengaluru is subject to distinct rules compared to one in Noida - dictated by state amendments, local municipal corporation codes, corporate structures, employee headcounts, and annual turnovers.
Rather than forcing you to consult expensive compliance lawyers, Ironclad codifies the Indian legal registry. Our rules are maintained directly by regulatory research specialists, ensuring absolute compliance with current circulars.
Reserve Bank of India (RBI) Regulatory Frameworks
For Fintech, Web3, and Neo-banking companies, RBI guidelines dictate severe operational boundaries. The Discovery Engine maps critical requirements including:
- Payment Aggregator & Payment Gateway (PA/PG) approvals: Validating net worth thresholds (₹15 Crore for applicant startups, scaling to ₹25 Crore), fit & proper directors declarations, and escrow auditing requirements.
- Prepaid Payment Instruments (PPI): Mapping compliance audits for wallets, digital cards, and smart vouchers.
- FEMA Regulations: Tracking cross-border transaction boundaries, merchant onboarding rules, and outward remittances.
- NBFC Alignment: Mapping regulatory checklists for Peer-to-Peer lending, Account Aggregators, and co-lending platforms.
MHOW, Shops & Establishments, and Factories Act
Physical facilities, logistics centres, restaurants, and retail spaces fall under local state and municipal jurisdiction. Ironclad handles:
- MHOW Municipal Trade License: Complete mapping of Municipal Corporation guidelines (such as MCGM in Mumbai, BBMP in Bengaluru, MCD in Delhi) for commercial zones, sanitation, and safety clearances.
- State Shops & Establishments Acts: Standardizing worker shifts, overtime payroll calculations, and mandatory public holiday rules based on your state.
- Factories Act (1948): Compiling ventilation criteria, hazardous inventory registrations, first-aid quotas, and structural safety certifications.
- CLRA (Contract Labour Regulation Act): Tracking mandatory registrations when hiring contract staff, preventing heavy legal penalties.
Discovery Stats
Rule Engine Guarantee: If our discovery engine misses a mandatory license for your declared scope, we will file that license for you with zero service fee.
Compliance Simulator
Select an industry sector below to simulate how our rule engine maps out regulatory obligations with fees, documentation, and key notes.
Required Licenses for FinTech / Digital Payments4 Obligations
RBI Payment Aggregator (PA/PG) Authorization
Reserve Bank of IndiaRequired documentation: Detailed business plan, net worth certificate, audit report
Prepaid Payment Instrument (PPI) License
Reserve Bank of IndiaRequired documentation: Systems audit report, escrow agreements, board resolution
GSTIN Registration
Central Board of Indirect Taxes (CBIC)Required documentation: PAN, Aadhaar, Board resolution, Address proof
FEMA Cross-Border Merchant License
RBI AD Category-I BanksRequired documentation: KYC, anti-money laundering policy, risk framework
Stop discovering compliance gaps
from enforcement notices.
Join the businesses that run their compliance on Ironclad. Input your profile once - we'll tell you everything you need, everything you're missing, and handle the rest.