Introduction
With the rapid growth of fintech, digital banking, mutual funds, insurance portals, crowdfunding platforms, NBFCs, REITs, and real estate agencies, businesses in the finance and investment space are increasingly becoming brand-driven. Your credibility often starts with a name. That’s why Trademark Class 36 exists to protect the identity of service providers in finance, insurance, realty, banking, and investment sectors.
Whether you are a loan consultant, a fintech app, an insurance aggregator, or a real estate brokerage, Class 36 allows you to secure your brand name, logo, and trust in the financial world.
Legal Definition (India & Globally)
“Insurance; financial affairs; monetary affairs; real estate affairs.”
– Nice Classification (11th ed.) & Trade Marks Act, 1999
This class covers:
- Handling of money and assets
- Insurance underwriting and brokerage
- Banking and non-banking services
- Real estate services, rental and leasing
- Investment, lending, and capital services
Class 36 Covers the Following Services
Financial Services
- Investment management and advisory
- Mutual fund management
- Loan financing (NBFC, online lending)
- Cryptocurrency exchanges (where permitted)
- Peer-to-peer lending platforms
- Venture capital & crowdfunding
- Asset management and portfolio services
Banking & Monetary Affairs
- Core banking (deposits, withdrawals)
- Net banking & mobile banking
- ATM, debit/credit card issuing
- eWallets & payment gateways
- Foreign exchange services
- Money transfer & remittance
Insurance Services
- Insurance underwriting & brokerage
- Life, general, auto, health, travel insurance
- Reinsurance & TPA services
- Claim management & settlement
- Online insurance comparison portals
Real Estate Affairs
- Real estate brokerage (buy/sell/lease)
- Property valuation & management
- Residential & commercial leasing
- Housing society management
- REITs & investment trusts
Real Trademark Examples Filed Under Class 36
| Brand | Filed For |
|---|---|
| HDFC LIFE | Life insurance & investment plans |
| POLICYBAZAAR | Insurance aggregation & advisory |
| CRED | Credit card management & bill payments |
| PAYTM WALLET | Digital payments & wallet services |
| ZESTMONEY | Loan financing & EMI credit |
| MOBIKWIK | eWallet & UPI payments |
| NAVI | Loans, insurance & investment |
| INDIABULLS HOUSING | Home loan & real estate finance |
| GROWW | Mutual funds, SIPs & investment advice |
| NO BROKER | Real estate renting & buying without brokerage |
What’s Not Included in Class 36
| Service/Product | Correct Class |
|---|---|
| Legal or CA compliance | Class 45 |
| Business consulting | Class 35 |
| Fintech software development | Class 42 |
| Real estate construction | Class 37 |
| Financial education & coaching | Class 41 |
| Real estate listing portals | Class 35 |
Tip: Class 36 is about money-handling, insurance, banking & real estate transactions—not tech or education.
Who Should Register Under Class 36?
- Insurance companies & brokers
- NBFCs & fintech lenders
- Crowdfunding & P2P platforms
- Digital wallets & payment apps
- Mutual fund & wealth advisors
- Real estate brokerages & REITs
Benefits of Filing Trademark in Class 36
- Prevent copycat names in finance & insurance
- Boost credibility during fundraising
- Necessary for RBI, IRDAI, SEBI licensing
- Protect your app name, logo & slogan
- Enable franchising & white-label deals
Trademark Filing Process – Class 36 (India)
- Search: IP India Public Search
- Draft TM-A: “Insurance services; loan financing; mutual fund investment; real estate brokerage; digital wallet services.”
- File Online: ipindiaonline.gov.in or via agent
- Examination: Registrar review (Sections 9 & 11)
- Publication: 4-month opposition period
- Registration: 10 years, renewable
Documents Required:
- Aadhaar/PAN of applicant
- Brand logo (for device mark)
- TM-48 (if via agent)
- MSME/Udyam certificate (optional)
Global Protection – Madrid Protocol (Class 36)
| Jurisdiction | Trademark Class |
|---|---|
| India | Class 36 |
| USA | Class 036 |
| EU | Class 36 |
| UK | Class 36 |
| WIPO (Madrid) | Class 36 |
Common Mistakes in Class 36 Filing
- Filing fintech software under Class 36 (belongs in 42)
- Forgetting to protect your app icon & slogan
- Using vague terms like “finance services”
- Filing post-launch—file early to build trust
Tips for Class 36 Filers
- Mention every core activity: insurance, lending, wallet, real estate
- NBFCs: include “loan financing, EMI services”
- Real estate: include “property brokerage, leasing”
- Consider filing Class 42 for fintech tech layer
- File before app launch or funding pitch
FAQs – Trademark Class 36
- Q1: Is online insurance included? ✅ Yes.
- Q2: Are UPI apps covered? ✅ Yes.
- Q3: Investment platforms? ✅ Yes.
- Q4: Real estate construction? ❌ No (Class 37).
- Q5: Cryptocurrency exchanges? ✅ Yes (if permitted).
Conclusion
Trademark Class 36 is essential for finance, insurance, banking, investment, and real estate brands. In India’s booming fintech & property markets, protecting your name and logo isn’t optional—it’s strategic.
At RegistrationMART, we:
- Draft & file precise Class 36 applications
- Protect logos, slogans & sub-brands
- Handle objections & oppositions
- Manage global filings via Madrid Protocol
🔐 Get Expert Help Today
📞 Call Us: +91-7201000259
🌐 Visit: www.registrationmart.in
📧 Email: support@registrationmart.in
