CAC Fees Calculator 2025 | Qrafteq Brand Systems

CAC Fees Calculator 2025:
Registration & Annual Returns

Calculate exact government fees for business registration and annual returns filing in Nigeria

✓ Updated October 2025 with Latest CAC Rates

CAC Fees in 2025: What You Need to Know

Whether you're registering a new business or filing your annual returns, understanding CAC fees saves you from surprises. The Corporate Affairs Commission updated its fee structure effective October 1, 2025, and we've broken down every naira you'll pay.

Major Changes in October 2025

Business Name registration fees doubled from ₦10,000 to ₦20,000. This increase was published in Official Gazette No. 92 (May 29, 2025) and took effect October 1, 2025.

This Calculator Covers Two Key CAC Services

1. Registration Fees — One-time cost to set up your business with CAC:

  • Business Name registration
  • Limited Company (Private or Public)
  • Limited Liability Partnership (LLP)
  • Incorporated Trustees (NGOs)

2. Annual Returns Fees — Yearly compliance filing all registered businesses must complete:

  • Due 18 months after registration, then yearly
  • Keeps your business legally compliant
  • Required for bank transactions and government contracts

What These Fees Cover

These are official CAC government charges only. They do not include professional service fees, legal representation, document preparation, or courier costs. Whether you register yourself or hire an agent, you pay these fees directly to CAC.

CAC Annual Returns Fees 2025 (Updated October 2025)

Every registered business in Nigeria must file annual returns with CAC. Here's what it costs and why it matters.

How Much is CAC Annual Return in 2025?

Business TypeAnnual Return FeeWhen It's Due
Business Name₦5,00018 months after registration, then every 12 months
Small Company (Private)
Share capital ≤ ₦100M
₦5,00018 months after registration, then every 12 months
Private Company (Other)
₦100M - ₦500M share capital
₦100,00018 months after registration, then every 12 months
Private Company (Large)
₦500M - ₦1B share capital
₦150,00018 months after registration, then every 12 months
Private Company (Very Large)
Above ₦1B share capital
₦200,00018 months after registration, then every 12 months
Public Limited Company (PLC)₦10,00018 months after registration, then every 12 months
Company Limited by Guarantee₦5,00018 months after registration, then every 12 months
Limited Liability Partnership (LLP)₦10,00018 months after registration, then every 12 months
Limited Partnership (LP)₦5,00018 months after registration, then every 12 months
Incorporated Trustees (NGO)₦5,00018 months after registration, then every 12 months

Note: Share capital tiers apply only to Private Limited Companies. Most small businesses with ≤₦100M share capital pay ₦5,000.

Calculate Your Exact Fees Now

Use our calculator below to see exactly what you'll pay based on your business type and share capital.

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CAC Penalties for Late Annual Returns (2025)

Missing your filing deadline triggers automatic penalties. Here's what you'll pay if you file late:

Business TypeOne-Time PenaltyDaily Penalty (After Grace Period)Who Pays
Business Name₦5,000₦100/dayEntity only
Small Company (Private)₦1,000₦100/dayEntity + Each Director
Private Company (Other)₦2,000₦200/dayEntity + Each Director
Company Limited by Guarantee₦2,000₦200/dayEntity + Each Officer
Public Limited Company (PLC)₦5,000₦500/dayEntity + Each Director
Limited Liability Partnership₦2,000₦200/dayEntity + Each Partner
Limited Partnership₦1,000₦100/dayEntity + Each Partner
Incorporated Trustees₦10,000₦200/dayEntity only

Important: For companies, penalties apply to BOTH the company AND each director personally. A 3-director company filing 30 days late pays: one-time penalty × 4 people + daily penalties × 30 days × 4 people.

Calculate Your Exact Fees Now

Use our calculator below to see exactly what you'll pay based on your business type and share capital.

Go to Calculator ↓

Why This Matters for Your Business

Filing annual returns on time keeps your CAC record clean. A clean record means:

  • Banks process your transactions without delays
  • You qualify for government contracts and tenders
  • Your business status stays "active" on CAC records
  • You avoid costly penalties and potential strike-off

Let's walk through this clearly: filing now saves you money and protects your business reputation.

CAC Registration Fees 2025 (First-Time Setup)

Starting a new business? Here are the exact fees you'll pay to register with CAC.

Business Name Registration

Fee TypeAmountDetails
Registration Fee₦20,000Increased from ₦10,000 (October 2025)
Name Reservation₦1,000Standard names
Name Reservation (Restricted)₦5,000Names with restricted words
Certified True Copy (CTC)₦5,000 eachOptional but recommended

Private Limited Company (LTD)

Fee TypeAmountDetails
Registration Fee₦10,000Per ₦1M share capital (or part thereof)
Stamp Duty0.75% of share capitalExample: ₦7,500 on ₦1M capital
Name Reservation₦1,000 or ₦5,000Standard or restricted
Certified True Copy (CTC)₦5,000 eachOptional but recommended

Public Limited Company (PLC)

Fee TypeAmountDetails
Registration Fee₦20,000Per ₦1M share capital (or part thereof)
Stamp Duty0.75% of share capitalExample: ₦75,000 on ₦10M capital
Name Reservation₦1,000 or ₦5,000Standard or restricted
Certified True Copy (CTC)₦5,000 eachOptional but recommended

Limited Liability Partnership (LLP)

Fee TypeAmountDetails
Registration Fee₦40,000Includes first CTC of registration docs
Name Reservation₦1,000 or ₦5,000Standard or restricted
Additional CTCs₦5,000 eachIf you need more copies

Incorporated Trustees (NGO)

Fee TypeAmountDetails
Registration Fee₦40,000Includes first CTC of registration docs
Name Reservation₦5,000Restricted words apply to most NGO names
Additional CTCs₦5,000 eachIf you need more copies

Company Limited by Guarantee

Fee TypeAmountDetails
Registration Fee₦40,000Includes first CTC of registration docs
Name Reservation₦1,000 or ₦5,000Standard or restricted
Additional CTCs₦5,000 eachIf you need more copies

Limited Partnership (LP)

Fee TypeAmountDetails
Registration Fee₦30,000Includes first CTC of registration docs
Name Reservation₦1,000 or ₦5,000Standard or restricted
Additional CTCs₦5,000 eachIf you need more copies

Calculate Your Exact Registration Fees

Get an instant breakdown of all fees based on your business structure and share capital.

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Understanding Your CAC Fees

What is Stamp Duty?

For Limited Companies (Private and Public), you pay 0.75% of your authorized share capital as stamp duty. This is separate from the registration fee.

Quick examples:

  • ₦500,000 share capital = ₦3,750 stamp duty
  • ₦1,000,000 share capital = ₦7,500 stamp duty
  • ₦5,000,000 share capital = ₦37,500 stamp duty

Name Reservation: Standard vs Restricted Words

Standard name reservation costs ₦1,000. But if your proposed name includes restricted terms, you'll pay ₦5,000 instead.

Common restricted words include:

  • Federal, National, State, Government, Ministry
  • Bank, Insurance, Investment, Finance
  • University, College, Polytechnic, Institute
  • Royal, Crown, Imperial, Presidential
  • Nigeria, Nigerian (in certain contexts)

Should You Get Certified True Copies (CTCs)?

CTCs are optional, but here's what most businesses do: order 2-3 copies during registration.

You'll need certified copies when:

  • Opening a corporate bank account
  • Applying for business licenses or permits
  • Submitting tender documents
  • Registering with regulatory bodies

Getting them upfront saves time. Ordering later means another trip to CAC (or another service fee if you're using an agent).

What Happens If You Don't File Annual Returns?

We see this often: business owners forget, then panic when they realize their company is non-compliant.

Consequences include:

  • Automatic penalties (one-time + daily charges)
  • CAC can strike off your company from the register
  • Banks may freeze or restrict your business accounts
  • You can't participate in government tenders
  • Restoring a struck-off company costs significantly more than staying compliant

Filing on time is simpler and cheaper than dealing with penalties later.

Calculate Your Exact CAC Fees

CAC Fees Calculator

Calculate registration or annual returns fees (Updated October 2025)

All fees updated to October 2025 rates
Business Name
Sole proprietorship or partnership
Private Limited Company
LTD - Most common structure
Public Limited Company
PLC - Public companies
Limited Liability Partnership
LLP - Professional partnerships
Incorporated Trustees
NGO/Non-profit organizations
Company Limited by Guarantee
Non-profit companies
Business Name
Annual returns: ₦5,000
Private Limited Company
Fee based on share capital
Public Limited Company
Annual returns: ₦10,000
Limited Liability Partnership
Annual returns: ₦10,000
Incorporated Trustees
Annual returns: ₦5,000
Company Limited by Guarantee
Annual returns: ₦5,000
Limited Partnership
Annual returns: ₦5,000

Official CAC fees as of October 2025 (Gazette No. 92, May 29, 2025)

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Should You File Yourself or Use a Professional Service?

You can absolutely register your business or file annual returns yourself. Many people do. But there are trade-offs to consider.

Filing It Yourself

Pros:

  • You pay only the government fees shown above
  • CAC's online portal is functional (when it's working)
  • You understand your business documents firsthand

Cons:

  • Time investment: expect queues, system downtimes, multiple visits
  • Document errors can delay approval by weeks
  • You're responsible for tracking deadlines and requirements
  • No guidance if CAC requests additional documentation

Using Professional Services

What you get:

  • Someone else handles queues, submissions, and follow-ups
  • Documents prepared correctly the first time
  • Expert guidance on compliance and structure
  • Deadline reminders for annual returns
  • Support with post-registration needs (bank accounts, tax IDs)

What it costs:

  • Business Name: ₦15,000 - ₦30,000 service fee (plus government fees)
  • Limited Company: ₦25,000 - ₦50,000 service fee (plus government fees)
  • Annual Returns filing: ₦10,000 - ₦25,000 service fee (plus government fees)

Here's What We Tell Clients

If you're tech-savvy, have time to spare, and don't mind navigating CAC's system, filing yourself works fine for simple structures like Business Names.

For Limited Companies with multiple shareholders, complex NGO structures, or if you're running a business and can't afford downtime — professional help pays for itself in time saved and errors avoided.

Common Questions About CAC Fees

Why did Business Name registration fees double?

CAC increased Business Name fees from ₦10,000 to ₦20,000 as part of a broader fee review. The change was gazetted in May 2025 and took effect October 1, 2025. No official explanation was provided beyond "general review of service fees."

Do I need to file annual returns if my business isn't active?

Yes. Annual returns are required regardless of whether your business is trading. Even dormant companies must file to maintain their registered status. If you're permanently closing, you need to officially deregister through voluntary strike-off.

What's the difference between share capital tiers for annual returns?

Private Limited Companies pay annual return fees based on their authorized share capital bracket. Small companies (≤₦100M) pay ₦5,000. Larger companies pay progressively more: ₦100,000 (₦100M-₦500M), ₦150,000 (₦500M-₦1B), or ₦200,000 (above ₦1B).

Can I file annual returns early?

Yes, and it's smart. You can file anytime before your deadline. Filing early means you're not scrambling if CAC's system goes down or if there are issues with your documents.

How long does CAC take to process filings?

Standard processing is 3-5 business days for straightforward applications. Annual returns are typically approved within 24-48 hours if documents are correct. Delays happen when there are errors, missing information, or during CAC's system maintenance periods.

What happens if multiple directors don't pay their individual penalties?

All directors are jointly and severally liable. CAC can pursue any or all directors for the full penalty amount. This affects your personal records with CAC and can complicate future business registrations in your name.

Get Your CAC Filing Done Right

Qrafteq Brand Systems handles business registration and annual returns for companies across Nigeria. We've processed hundreds of filings without delays or rejections.

See Our Registration Services →File Your Annual Returns →

Questions? Call us: +234 803 650 9056

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