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Register Your Company in RJSC in Just ৳21,000 | Aeenx

Register Your Company in RJSC in Just ৳21,000

Aeenx handles your full RJSC company registration in Bangladesh — name clearance, MoA/AoA, government fees, and Certificate of Incorporation — for one flat, transparent price.

Flat Fee: ৳21,000 All-Inclusive*

Start My Registration Book a Free Consultation

What is RJSC Company Registration in Bangladesh?

RJSC company registration is the legal process of incorporating a business entity — such as a private limited company, public limited company, or partnership — with the Registrar of Joint Stock Companies and Firms (RJSC) under the Companies Act 1994, giving the business a distinct legal identity separate from its owners. Anyone starting a business in Bangladesh that wants limited liability, credibility with banks and clients, and access to government contracts needs this registration. Aeenx offers complete RJSC company registration for a flat fee of ৳21,000, covering name clearance, incorporation documents, government fees, and delivery of your Certificate of Incorporation — with no hidden charges.

The RJSC operates under the Ministry of Commerce and is the sole authority responsible for incorporating, regulating, and maintaining records of companies, partnerships, trade organizations, and societies in Bangladesh. Once a company is registered, it receives a unique registration number, a Certificate of Incorporation, and the legal standing to sign contracts, own property, sue and be sued, and open a corporate bank account in its own name. This is fundamentally different from operating merely with a trade license, which authorizes a specific business activity at a specific address but does not create a separate legal entity.

Most entrepreneurs in Bangladesh — from small tech startups to manufacturing exporters — choose the private limited company structure because it limits personal liability to the amount invested in shares. Under this structure, shareholders are not personally liable for the company's debts beyond their share capital, which protects personal assets such as homes, vehicles, and savings from business risk.

Aeenx has streamlined this traditionally paperwork-heavy process into a simple, digital-first service. Instead of navigating the RJSC portal, drafting legal documents, and tracking government fee payments on your own, you hand the entire process to Aeenx's incorporation specialists, who manage every filing and follow up with RJSC directly on your behalf. Visit aeenx.com/contact-us to begin your registration today.

Why Does RJSC Registration Matter for Your Business?

Registering with RJSC is often the single most consequential decision a new business owner makes, because it determines whether the business can legally scale, raise investment, and protect its founders from personal financial risk. An unregistered business — even one that has been operating profitably for years — is legally treated as an extension of its owner's personal affairs. That means any lawsuit, debt, or liability against the business becomes a liability against the owner personally.

A registered company, by contrast, is recognized as a distinct legal "person" under the Companies Act 1994. This distinction matters enormously in practice. Banks require a Certificate of Incorporation before extending business loans or overdraft facilities. Foreign clients and multinational buyers frequently require proof of formal incorporation before signing supply contracts. Government tenders and public procurement almost universally require bidders to be registered companies with valid trade licenses and TIN certificates.

Registration also matters for growth and fundraising. Angel investors, venture capital firms, and even friends-and-family investors typically will not invest in an unregistered business, because there is no legal mechanism to issue them shares or protect their investment. A registered private limited company can issue shares, bring on co-founders with clearly defined equity stakes, and later convert to a public company if it seeks a stock exchange listing.

Beyond legal protection and fundraising, registration builds trust. A company name followed by "Limited" or "Ltd." signals professionalism and permanence to customers, suppliers, and partners. Many businesses in Bangladesh's growing digital economy — from e-commerce platforms to IT service exporters — have found that formal incorporation is often the deciding factor in whether a corporate client will engage them at all.

Given how much rides on getting registration right, working with a specialist matters. Talk to Aeenx about how proper incorporation from day one can save you costly restructuring later.

What's Included in Aeenx's ৳21,000 RJSC Registration Package?

৳21,000
Flat-fee, all-inclusive RJSC company registration
Get Started Now

Aeenx's ৳21,000 package is designed for a standard Bangladeshi-owned private limited company with authorized capital in the common BDT 5–10 lakh range — the range in which the vast majority of new startups and SMEs incorporate. The package is transparent by design: it bundles government fees (which are fixed by RJSC and non-negotiable) together with Aeenx's professional service fee, so you never receive a surprise invoice mid-process.

What's Covered

  • Name Clearance: Search, application, and RJSC name reservation for your proposed company name.
  • Drafting of Memorandum of Association (MoA) and Articles of Association (AoA): Customized to your business objectives, not a generic template.
  • RJSC Government Registration Fee: Covers standard authorized capital tiers.
  • Stamp Duty: Payment of stamp duty on both MoA and AoA.
  • Document Filing Fees: Form I, Form VI, Form IX, and Form XII filing with RJSC.
  • Digital Certificate Fee: RJSC's official digital signature/certificate charge.
  • End-to-End Filing Management: Aeenx submits everything online and responds to any RJSC requisitions on your behalf.
  • Certificate of Incorporation Delivery: Delivered digitally and, on request, in hard copy.

What's Not Included

Trade license, TIN application follow-up documentation, VAT/BIN registration, and bank account opening are separate post-incorporation steps. TIN and VAT registration carry no government fee and Aeenx can assist with these as an add-on. Companies with significantly higher authorized capital than the standard tier may incur additional RJSC government fees, which Aeenx will always disclose upfront before proceeding — never as a hidden surcharge.

Ready to lock in this rate? Contact Aeenx or book a consultation to confirm your company falls within the standard package and get started immediately.

How Much Does RJSC Company Registration Cost in Bangladesh?

Outside of a flat-fee package, RJSC company registration costs in Bangladesh are calculated on a sliding scale tied to your company's authorized share capital. This is why prices you see quoted online vary so widely — a company with BDT 5 lakh authorized capital pays far less in government fees than one with BDT 1 crore. Aeenx's ৳21,000 offer removes this guesswork for standard-sized companies by combining all applicable government charges with the professional service fee into one number.

Cost ComponentTypical Standalone Cost (BDT)Included in Aeenx's ৳21,000?
Name Clearance Fee200 – 500Yes
RJSC Registration Fee (standard capital)7,500 – 10,000Yes
Stamp Duty on MoA2,000Yes
Stamp Duty on AoA10,000Yes
Document Filing Fee1,200 – 1,800Yes
Digital Certificate Fee200 – 500Yes
Professional Drafting & Filing Service10,000 – 25,000 (market rate)Yes — bundled
Trade License (separate step)3,000 – 12,000Available as add-on
TIN & VAT/BIN RegistrationFree (govt.), 2,000 – 5,000 (service)Available as add-on

For companies with authorized capital above the standard tier, RJSC's registration fee and AoA stamp duty scale upward. If your authorized capital exceeds BDT 40 lakh, expect the government fee component alone to rise into the BDT 28,000–40,000 range, independent of any professional service fee. Aeenx always calculates the exact government fee for your chosen capital before you commit, so the flat ৳21,000 rate applies specifically to the standard capital band most new companies choose.

To get an exact, written quote for your specific authorized capital and business type, contact Aeenx directly — quotes are free and typically returned within one business day.

Which Laws & Government Bodies Govern Company Registration?

Understanding the legal framework behind RJSC company registration helps business owners appreciate why certain steps and fees are non-negotiable. Several key laws and government bodies interact throughout the incorporation and ongoing compliance lifecycle of a Bangladeshi company.

Companies Act 1994

The Companies Act 1994 is the primary legislation governing the formation, management, and dissolution of companies in Bangladesh. It sets out requirements for the Memorandum and Articles of Association, minimum number of directors and shareholders, annual return filing, and the powers of the Registrar.

Registrar of Joint Stock Companies and Firms (RJSC)

RJSC is the government body under the Ministry of Commerce responsible for incorporating companies, registering partnerships, and maintaining the statutory register of all corporate entities in Bangladesh. All incorporation filings, annual returns, and changes to company structure must be filed with RJSC.

National Board of Revenue (NBR)

After incorporation, companies must register with the NBR for a Tax Identification Number (TIN) and, where applicable, a VAT/Business Identification Number (BIN), governed by the Income Tax Act 2023 and the Value Added Tax and Supplementary Duty Act 2012.

Bangladesh Investment Development Authority (BIDA)

For companies with foreign shareholding or foreign branch/liaison offices, BIDA registration is mandatory, and BIDA also facilitates work permits and investment incentives for eligible companies.

City Corporations & Local Authorities

Trade licenses are issued separately from RJSC registration by the relevant City Corporation, Paurashava, or Union Parishad, under municipal taxation rules, and are required before a company can commence operations at a specific address.

Aeenx's team stays current on amendments to all of these laws and fee schedules, ensuring your registration is fully compliant from day one. Reach out to Aeenx if you have questions about how a specific law applies to your business.

What Documents Are Required for RJSC Registration?

Preparing the correct documents before submission is the single biggest factor in whether your RJSC registration moves quickly or gets delayed by requisitions (queries from the Registrar). Below is the complete checklist Aeenx uses with every client.

Personal Documents (Each Director & Shareholder)

  • National ID (NID) card copy, or passport copy for foreign nationals
  • Tax Identification Number (TIN), if already available
  • Passport-size photographs
  • Contact details: mobile number and email address

Company-Level Documents

  • Proposed company name (with one or two backup options)
  • Registered office address with proof (utility bill or rental/lease agreement)
  • Proposed authorized and paid-up capital amounts
  • Shareholding percentage split between shareholders
  • Business objectives to be reflected in the Memorandum of Association

Legal Forms Filed with RJSC

  • Form I — Declaration of compliance with the Companies Act 1994
  • Form VI — Notice of situation of registered office
  • Form IX — Consent of directors to act
  • Form XII — Particulars of directors, managers, and managing agents
  • Memorandum of Association (MoA) and Articles of Association (AoA), signed by all subscribers

For foreign-invested companies, additional documents are required, including a board resolution from the parent company (if applicable), notarized and apostilled or legalized copies of the parent company's incorporation documents, and an Encashment Certificate proving the inward remittance of foreign capital.

Aeenx reviews every document before submission to catch errors that commonly trigger RJSC requisitions — mismatched names, incorrect NID numbers, or incomplete address proof. Send Aeenx your documents for a free pre-check before you begin.

What Is the Step-by-Step RJSC Registration Process?

The RJSC registration process, now largely digitized through the online portal, follows a defined sequence. Understanding each step helps you know exactly where your application stands at any moment.

  1. Name Clearance: Submit your proposed company name to RJSC for verification against existing registered names and trademarks. Approval is typically issued within 1–3 working days and is valid for 30 days.
  2. Document Preparation: Draft the Memorandum and Articles of Association, and prepare Forms I, VI, IX, and XII along with director/shareholder identification.
  3. Online Submission: Upload all documents to the RJSC portal and pay the applicable registration fee, stamp duty, and filing fees through the integrated payment gateway.
  4. RJSC Review: The Registrar examines the application. If any information is incomplete or inconsistent, RJSC issues a requisition requiring correction and resubmission.
  5. Certificate of Incorporation: Once approved, RJSC issues the Certificate of Incorporation along with certified copies of the MoA, AoA, and Form XII.
  6. Post-Incorporation Steps: Apply for TIN, trade license, and VAT/BIN registration, then open a corporate bank account using the Certificate of Incorporation.

Because each step depends on the previous one being error-free, a single mistake in Form XII or a mismatched NID number can add a week or more to your timeline. Aeenx manages every step directly through RJSC's portal and handles requisitions on your behalf, so you are never left guessing what to do next. Start your registration with Aeenx and receive step-by-step status updates throughout.

How Long Does RJSC Company Registration Take?

For a standard Bangladeshi-owned private limited company with complete, accurate documentation, RJSC registration typically takes 7 to 15 working days from the initial name clearance application to the issuance of the Certificate of Incorporation. This timeline breaks down roughly as follows: name clearance (1–3 days), document preparation (2–4 days if using a service provider with templates ready, longer if self-prepared), RJSC review and approval (5–10 working days).

Several factors can extend this timeline. Requisitions from RJSC — queries about inconsistent information — are the most common cause of delay, and each round of correction and resubmission can add 3–5 working days. Incomplete registered office address proof, unclear shareholding structures, or missing director consent forms are frequent triggers.

For companies with foreign shareholding, the timeline extends significantly because of additional steps: obtaining the Encashment Certificate for inward foreign remittance (5–10 banking days), BIDA registration (2–6 weeks, since BIDA's inter-ministerial committee meets periodically), and Bangladesh Bank notification (up to 30 days). A foreign-invested company should budget 8 to 16 weeks for full operational readiness.

Aeenx's track record shows that pre-verified, professionally prepared applications experience significantly fewer requisitions than self-filed applications, which is one of the main reasons clients choose to work with a specialist rather than navigating the RJSC portal independently. Book a consultation with Aeenx to get a realistic timeline estimate for your specific company.

Is RJSC Registration Mandatory in Bangladesh?

Yes — RJSC registration is legally mandatory for any business that wishes to operate as a private limited company, public limited company, or as a registered partnership/LLP in Bangladesh. Under the Companies Act 1994, no entity may hold itself out as a "company" or use the suffix "Limited" or "Ltd." without a valid Certificate of Incorporation from RJSC. Similarly, foreign companies establishing a branch or liaison office in Bangladesh must obtain BIDA permission and file the relevant notice with RJSC.

It is important to distinguish this from a sole proprietorship, which does not require RJSC registration and instead operates on a trade license alone. A sole proprietorship is legally simpler but offers no separate legal personality and no limited liability — the owner is personally liable for all business debts and obligations. Many entrepreneurs start as sole proprietors and later convert to a private limited company through RJSC as the business grows, takes on more risk, or seeks investment.

For businesses intending to import or export goods, participate in government tenders, hire foreign employees, or raise institutional investment, RJSC registration is effectively mandatory in practice even where it might not always be strictly required by a narrow reading of the law, because counterparties will simply refuse to transact with an unregistered entity.

Unsure whether your business needs full RJSC registration or can begin with a simpler structure? Ask Aeenx for a free structure assessment based on your specific business plans.

What Happens If I Don't Register My Company with RJSC?

Operating a business that presents itself as a company without valid RJSC registration carries real legal and commercial risk. First, there is no legal separation between the business and its owner — this means the owner's personal assets remain fully exposed to any business debts, lawsuits, or claims from suppliers, employees, or customers. Should the business fail or face litigation, creditors can pursue the owner's personal bank accounts, property, and other assets.

Second, using the words "Limited," "Ltd.," or presenting the business publicly as an incorporated company without a genuine Certificate of Incorporation may constitute a violation of the Companies Act 1994, potentially exposing the individuals involved to penalties.

Third, an unregistered business faces significant practical barriers: banks will not open a proper corporate account or extend business financing without a Certificate of Incorporation; the business cannot participate in government procurement or most corporate tenders; foreign clients and larger domestic companies frequently require proof of incorporation before signing supply or service agreements; and the business cannot issue shares to bring on investors or co-founders with formal equity.

Finally, an unregistered business misses out on the credibility and continuity benefits of incorporation — a company continues to exist independently of any single owner, which matters for succession planning, sale of the business, or bringing in new partners later. Registering properly from the outset avoids the far more expensive and time-consuming process of restructuring an established business into a company later. Talk to Aeenx today to avoid these risks before they become costly problems.

What Are MoA, AoA, and Other Key Concepts?

Several legal terms recur throughout the RJSC registration process. Understanding them helps business owners engage more confidently with lawyers, consultants, and the RJSC itself.

Memorandum of Association (MoA)

The MoA is the company's foundational charter, defining its name, registered office location, objectives (the business activities it is permitted to carry out), the amount of authorized capital, and the liability of its members. It is a public document filed with RJSC and forms the outer boundary of what the company can legally do.

Articles of Association (AoA)

The AoA sets out the internal rules governing how the company is managed — director appointment and removal procedures, shareholder meeting rules, share transfer restrictions, and dividend distribution mechanics. Together, the MoA and AoA form the company's constitution.

Authorized Capital vs. Paid-Up Capital

Authorized capital is the maximum share capital the company may issue, stated in the MoA. Paid-up capital is the actual amount shareholders have contributed for shares already issued. RJSC fees and stamp duty scale with authorized capital, which is why keeping this figure modest at incorporation — and increasing it later as needed — is a common cost-saving strategy.

Certificate of Incorporation

This is the official document issued by RJSC confirming the company's legal existence, including its registration number and date of incorporation. It is required for nearly every subsequent step, including TIN registration, trade license application, and bank account opening.

Stamp Duty

Under the Stamp Act framework, certain legal documents including the MoA and AoA must bear stamp duty to be legally valid and admissible as evidence, paid alongside RJSC fees during incorporation.

Aeenx drafts custom MoA and AoA documents tailored to your specific business objectives rather than reusing generic templates that could restrict future growth. Contact Aeenx to discuss how your MoA objects clause should be structured.

What Happens After RJSC Registration? TIN, VAT & Trade License

Receiving your Certificate of Incorporation is a major milestone, but it is not the finish line. Several post-registration steps are required before your company can legally operate and open a functional bank account.

TIN Registration

Every company must obtain a Tax Identification Number (TIN) from the National Board of Revenue (NBR), free of charge, through the online income tax portal. This is required for tax filing, opening a bank account, and most other business registrations.

Trade License

A trade license from the relevant City Corporation, Paurashava, or Union Parishad authorizes your company to conduct business at a specific address and is a separate registration from RJSC incorporation. Fees typically range from BDT 2,000 to BDT 15,000 depending on business category and location, and the license must be renewed annually.

VAT/BIN Registration

VAT registration and issuance of a Business Identification Number (BIN) is free of charge through NBR, though mandatory only above certain annual turnover thresholds. Many companies register voluntarily regardless of turnover because banks and corporate clients often require a valid BIN.

Corporate Bank Account

With the Certificate of Incorporation, TIN, and trade license in hand, the company can open a corporate bank account, which most banks require to hold at least BDT 1 lakh in paid-up capital for local companies.

Aeenx offers these post-registration services as add-ons to the core ৳21,000 RJSC package, so your company becomes fully operational — not just legally incorporated — as quickly as possible. Ask Aeenx about bundling post-registration services with your incorporation.

Can Foreigners Register a Company in Bangladesh Through RJSC?

Yes, foreign nationals and foreign companies can register a company in Bangladesh through RJSC, either as a wholly foreign-owned subsidiary, a joint venture with local partners, or a branch/liaison office of an existing foreign company. The process runs through both RJSC and the Bangladesh Investment Development Authority (BIDA), which is the mandatory approval authority for any company with foreign shareholding.

The key additional requirement for foreign-invested companies is minimum paid-up capital: BIDA and Bangladesh Bank require foreign investors to remit at least USD 50,000 into Bangladesh through formal banking channels as minimum paid-up capital, evidenced by an Encashment Certificate from the receiving bank. This is separate from and in addition to standard RJSC government fees.

Foreign documents — including the parent company's Certificate of Incorporation, MoA/AoA, and board resolutions — must be translated into English (if not already), notarized in the country of origin, and either apostilled (for Hague Convention countries) or legalized through the Bangladesh Embassy. This documentation package typically adds BDT 15,000 to BDT 50,000 in translation and notarization costs.

For foreign nationals employed by the Bangladeshi company, individual work permits from BIDA are required, at a fee of BDT 5,750 per person per year including VAT. The full end-to-end process for a foreign-invested company, from decision to operational readiness, typically takes 8 to 16 weeks given the additional BIDA and Bangladesh Bank steps involved.

Aeenx has extensive experience guiding foreign investors, diaspora entrepreneurs, and multinational subsidiaries through this more complex pathway. Contact Aeenx for a customized quote covering RJSC, BIDA, and Bangladesh Bank registration together.

What Are the Benefits of Registering Your Company with RJSC?

Formal registration through RJSC delivers a wide range of legal, financial, and reputational benefits that compound over the life of the business. These benefits are the reason most serious entrepreneurs choose incorporation over remaining an unregistered sole trader.

  • Limited Liability Protection: Shareholders' personal assets are shielded from company debts and legal claims beyond their invested share capital.
  • Separate Legal Identity: The company can own property, enter contracts, sue and be sued in its own name — independent of any individual owner.
  • Access to Formal Financing: Banks and financial institutions require a Certificate of Incorporation before extending business loans, overdrafts, or trade finance facilities.
  • Investor & Equity Readiness: A registered company can issue shares to angel investors, venture capital firms, and co-founders with legally binding share certificates.
  • Business Continuity: The company continues to exist regardless of changes in ownership, management, or the death of a founder — unlike a sole proprietorship.
  • Credibility with Clients & Partners: Government tenders, corporate procurement, and international clients frequently require formal incorporation as a precondition for doing business.
  • Tax and Regulatory Clarity: A registered company has a clear TIN, defined tax obligations, and eligibility for applicable tax incentives under the Income Tax Act 2023.
  • Brand Protection: Once your company name is registered with RJSC, no other entity can register an identical or confusingly similar name.

These benefits explain why, even where registration involves upfront cost and paperwork, the vast majority of growth-oriented businesses in Bangladesh choose to incorporate early rather than delay. Start your registration with Aeenx to unlock these benefits for your business.

How Does Aeenx Help with RJSC Company Registration?

Aeenx was built specifically to remove the friction, uncertainty, and hidden costs that typically accompany company registration in Bangladesh. Rather than leaving entrepreneurs to navigate the RJSC portal, decode fee schedules, and draft legal documents alone, Aeenx acts as a single point of accountability for the entire process.

Transparent, Flat-Fee Pricing

The ৳21,000 package means you know your total cost before you start — no surprise government fee recalculations, no ambiguous "processing charges," and no upselling mid-process.

Document Review Before Submission

Aeenx pre-screens every document for the errors that commonly trigger RJSC requisitions, reducing the risk of delays caused by mismatched NID numbers, inconsistent addresses, or incomplete forms.

Custom-Drafted MoA & AoA

Rather than reusing generic templates, Aeenx drafts objects clauses broad enough to support your future business plans, avoiding costly MoA amendments down the line.

Direct RJSC Liaison

If RJSC raises a requisition, Aeenx responds directly and promptly, keeping your application moving without requiring you to interpret bureaucratic correspondence yourself.

End-to-End Support

Beyond RJSC registration, Aeenx can assist with trade license applications, TIN and VAT/BIN registration, BIDA registration for foreign investment, and ongoing annual compliance — so you have one trusted partner across your company's entire lifecycle.

Aeenx has supported Bangladeshi entrepreneurs, diaspora investors, and foreign-invested businesses across sectors including technology, manufacturing, e-commerce, and professional services. Contact Aeenx or book a free consultation to get started on your ৳21,000 RJSC registration today.

Frequently Asked Questions

What is RJSC company registration in Bangladesh?

RJSC company registration is the legal process of incorporating a private limited, public limited, or partnership entity under the Companies Act 1994, granting the business a separate legal identity from its owners.

How much does RJSC company registration cost?

Aeenx offers full RJSC company registration for a flat ৳21,000, covering name clearance, government fees, stamp duty, document filing, and the Certificate of Incorporation for standard authorized capital.

How long does RJSC company registration take?

Standard registration typically takes 7 to 15 working days from name clearance to Certificate of Incorporation, assuming complete and accurate documentation.

What documents are required for RJSC registration?

NID or passport copies of directors and shareholders, proposed company name, registered office address proof, MoA and AoA, and TIN details where available.

Is RJSC registration mandatory in Bangladesh?

Yes, for any business operating as a private or public limited company, or a foreign branch/liaison office, RJSC registration under the Companies Act 1994 is legally required.

What happens if I don't register my company with RJSC?

You lose limited liability protection, cannot open a proper corporate bank account, cannot bid on government tenders, and risk personal exposure to business debts and liabilities.

What is included in Aeenx's ৳21,000 package?

Name clearance, MoA/AoA drafting, RJSC government fee, stamp duty, document filing, digital certificate fee, and delivery of your Certificate of Incorporation.

Do I need a lawyer to register a company in Bangladesh?

Not legally required, but professional assistance from Aeenx significantly reduces the risk of RJSC requisitions and delays caused by documentation errors.

What is the minimum capital required to register a company?

The legal minimum is nominal, but most banks require at least BDT 1 lakh paid-up capital to open a corporate account for a locally-owned company.

Can a foreigner register a company in Bangladesh through RJSC?

Yes, subject to BIDA registration and a minimum foreign paid-up capital requirement of USD 50,000 remitted through formal banking channels.

What is the difference between authorized capital and paid-up capital?

Authorized capital is the maximum share capital stated in the MoA; paid-up capital is the amount shareholders have actually paid for issued shares.

Does RJSC registration include trade license and TIN?

No, these are separate registrations obtained after incorporation from the local City Corporation and the National Board of Revenue respectively.

Ready to Register Your Company for Just ৳21,000?

Get a free consultation and start your RJSC company registration with Aeenx today — transparent pricing, no hidden fees.

Website: aeenx.com/contact-us

Book a Consultation: aeenx.com/book

Email: [email protected]

*The ৳21,000 flat fee applies to standard authorized capital tiers for locally-owned private limited companies. Government fees for higher capital tiers or foreign-invested companies may vary and will always be disclosed upfront. This page is for informational purposes and does not constitute legal advice.

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