RBI has categorised the Company as NBFC-Middle Layer (NBFC-ML) under the Reserve Bank of India (Non-Banking Financial Companies – Registration, Exemptions and Framework for Scale Based Regulation) Directions, 2025. Presently, Company is doing investment activities with long-term perspective (MAIN INVESTMENT UNIT) as well as doing Trading and Lending activities (TRADING UNIT) to avail benefit of short-term investment opportunities. The Company is also doing real estate activities for higher yields.

INVESTMENTS BUSINESS
The main business activities of the Nahar Capital and Financial Services Limited is to carry on the business of investment in shares, debentures, stock, bonds, Invits/Reits and securities of all kinds for short term and long term purposes. The Company is doing investment activities with long term perspective (Main Investment Unit) as well as doing trading business (Trading Unit) to avail the benefits of short term investment/financial opportunities in the present market conditions. The Company makes investments in equity and debt securities, both in Primary and Secondary Market directly as well as through Mutual Funds and Portfolio Management Services, Alternative Investment Funds etc.

In MAIN INVESTMENT UNIT- investments are made with long term perspective (i.e. for more than one year) in equity shares of group companies and other long term instruments like equity shares, preference shares, debentures, Government Bonds, Government Securities including treasury bills, corporate bonds, Real Estate, commodities and other marketable securities mainly through Mutual Funds and also directly to a small extent keeping in view the Domestic and Global financial, economic and political scenario.

In TRADING UNIT- the investment in equity shares, preference shares, debentures, money market instruments and other debt securities, commodities, real estate etc. directly as well as through Mutual Funds is made. In this unit, Company is also doing derivatives and future contracts in commodities, equity stocks, debt instruments, currency etc. Also, latest investment techniques like Security Lending in NSE/BSE, Algorithmic trading etc. are made in Trading Unit.

LENDING BUSINESS
As a part of diversification of Company's business activities into new financial avenues and to explore the available financial opportunity for the further growth and profitability of the Company, the Company is doing the lending activities for short term as well as long term. Company's lending is basically concentrated on secured lending to the parties and against liquid securities like shares, Government Bonds, gold, property and other assets.

REAL ESTATE BUSINESS
Having regard to the good business opportunities available in Real Estate Sector and to diversify the Company's activities, the Company in the year 2011, undertook new line of business i.e. Real Estate Business within the maximum limits prescribed by Reserve Bank of India. In this sector, the Company (1) Purchase and sell the residential and/or commercial land with trading perspective only, (2) Deal in real estate, development of land, construction of building for commercial and residential purpose, (3) To lease, hire or otherwise acquire any such real estate asset, (4) To carry on the business of proprietors of flats and buildings and to let on lease the same, (5) To use the services of Property Developers / Building contractors and/or enter into the agreements with them for its real estate activities.

OTHERS
The Company shall use its own funds as well as raise money within the prescribed RBI regulations, for the purpose of investment and/or lending the same to commercial/residential Real Estate sector.

The Company shall not carry on the business of Banking as defined under the Banking Regulations Act, 1949 without the approval of RBI.

NCFSL may also undertake new activities in future such as financial consultancy, lending against commodities, Infrastructure Financing, merchant banking, underwriting business, stock broking, and other miscellaneous finance activities generally undertaken by the NBFC's after obtaining the requisite approvals.