Can this NBFC accept public deposits?

RBI extract shows public deposit CoR: No. Deposits remain subject to RBI limits even when permitted.

Does esi.in recommend this NBFC?

No. esi.in publishes educational directory information only—not credit ratings, loan offers, or investment advice.

PAN Emami Cosmed Limited (Formerly known as Midkot Investments Private Limited) — RBI NBFC-ML NBFC (ICC)

About this NBFC

PAN Emami Cosmed Limited (Formerly known as Midkot Investments Private Limited) is profiled on esi.in Finance to help Indian learners and households understand RBI-regulated lenders before they borrow or invest. We combine public registration fields with plain-language context—not a loan solicitation.

Investment and Credit Companies (ICC) are the most common NBFC type in India. They primarily lend and invest under RBI prudential norms. Borrowers often meet ICC NBFCs for personal loans, business credit, and vehicle finance.

Compare products using our loans and credit guides and free calculators before you sign any agreement.

Registration snapshot (June 30, 2024)

Legal name

PAN Emami Cosmed Limited (Formerly known as Midkot Investments Private Limited)

Layer

Middle Layer NBFCs (NBFC-ML)

NBFC-ML

Classification

ICC

loans and credit

RBI regional office

Kolkata

CIN

U51398WB1993PTC057932

Public deposits CoR

No

Registered address

687, Anandapur, EM Bypass, 2nd Floor, South 24 Parganas, West Bengal 700107

Email (public list)

panemamics@emamigroup.com

What borrowers and investors should check

Live RBI status: Names and layers change—download the current master list on rbi.org.in.
Total cost of credit: Compare APR, processing fee, and foreclosure charges across banks and NBFCs.
Grievance channel: Note the NBFC's nodal officer before you disburse funds.
Credit bureau impact: EMIs usually report to CIBIL/Experian; defaults affect future loans.

Related on ESI Finance

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FAQs

Is PAN Emami Cosmed Limited (Formerly known as Midkot Investments Private Limited) registered with RBI?: PAN Emami Cosmed Limited (Formerly known as Midkot Investments Private Limited) appears on the RBI NBFC-ML list as on June 30, 2024. Status can change—confirm on rbi.org.in before transacting.
What type of NBFC is PAN Emami Cosmed Limited (Formerly known as Midkot Investments Private Limited)?: RBI classifies it as ICC (loans and credit). Investment and Credit Companies (ICC) are the most common NBFC type in India. They primarily lend and invest under RBI prudential norms. Borrowers often meet ICC NBFCs for personal loans, business credit, and vehicle finance.
Can this NBFC accept public deposits?: RBI extract shows public deposit CoR: No. Deposits remain subject to RBI limits even when permitted.
Does esi.in recommend this NBFC?: No. esi.in publishes educational directory information only—not credit ratings, loan offers, or investment advice.

Disclaimer: RBI list as on June 30, 2024. esi.in (Elevate. Scale. Inspire.) is not affiliated with RBI or PAN Emami Cosmed Limited (Formerly known as Midkot Investments Private Limited). Verify registration before financial decisions. Not financial advice.