Licensing and regulators
Work that needs a licence in India.
Kubr does not hold these licences and does not do this work. Where a matter needs one, a licensed firm does that part, under its own name and terms.
| Activity that needs a licence | Who holds it in India |
|---|---|
| Investment advice or research | A SEBI-registered investment adviser in our group, in its own name, for India residents only. |
| Audit or attest | A chartered accountant firm engaged by the client, licensed by ICAI. |
| Legal opinion | An advocate or law firm enrolled with a State Bar Council, engaged by the client. |
| Bank-data aggregation | An Account Aggregator authorised by the Reserve Bank of India, on the company's consent. |
| GST data access | A licensed GST Suvidha Provider, on the taxpayer's consent. |
A CA, audit or law firm can run Kubr packs under its own name for its clients, with the firm reviewing the flags and giving any opinion. Branding and any fee terms are set in a partner agreement, subject to review by local counsel. None of it is payment for introductions.
RulesThe rules in India
- Company law and registry
- Companies Act, 2013 and the LLP Act, 2008. The registry is MCA21 (version 3), run by the Ministry of Corporate Affairs. Master data and public documents can be viewed on the portal; downloading filed documents needs a login and a per-company fee.
- Data protection
- Digital Personal Data Protection Act, 2023. The DPDP Rules were notified in November 2025 and commence in phases. The Data Protection Board comes first. Consent-manager provisions follow after about 12 months. The main duties on data fiduciaries, the organisations that decide how personal data is used, follow after about 18 months, around May 2027. Company records are not personal data. Director, promoter and employee details are.
- Financial data
- Bank data through a Reserve Bank of India regulated Account Aggregator, on the company's consent. Only regulated financial institutions can receive Account Aggregator data, so Kubr reads it through a regulated partner or the client's own regulated institution, and the company uploads statements where neither applies. GST return data through a licensed GST Suvidha Provider or a download from the company's own login. Both need the company's consent.
- Securities regulator
- SEBI. Investment advice and research analysis are regulated activities under the Investment Advisers and Research Analysts Regulations. Kubr is neither. Alternative investment funds (AIFs) registered in India are also regulated by SEBI.
- Money and tax
- Prices in INR, before GST at 18% on services. Bank transfer for packs above one lakh. UPI or cards for smaller invoices.
- Speed
- Registry and public GST data in minutes. Bank and tax data in minutes once the company consents. Standard packs inside 2 to 5 days.
- Reliability
- The deepest record set of any market we serve. Government portals do go down. Each outage pauses the clock, and the pause is logged and shown to you.
- What we offer here
- All eleven services.
StatusOur regulatory status
Kubr is not a SEBI-registered investment adviser or research analyst, not a chartered accountant firm, not an advocate or law firm, and not a credit information company. We issue no opinions, ratings, valuations or recommendations. A group company is a SEBI-registered investment adviser, a separate legal entity, and it serves India residents only. Its services are contracted separately and are not part of a Kubr pack. Regulatory position to be confirmed with local counsel under the SEBI Investment Advisers Regulations, 2013 and the SEBI Research Analysts Regulations, 2014.
Kubr does not practise law, and does not audit, attest or certify financial statements. It is also not a credit rating agency, an Account Aggregator (a licensed bank-data intermediary), a stock broker, a merchant banker, a lender or an NBFC (non-banking financial company). It does not hold client money or securities.
Change the market at the top of the page and this changes with it. A summary, not legal advice. Disclosures