156+ Nidhi Companies registered. Member lending & borrowing. All-inclusive ₹12,999.
A Nidhi Company is a non-banking financial company established as a mutual benefit institution for lending and borrowing among its members. It facilitates member-to-member financial transactions based on mutual trust. Nidhi Companies are regulated under the Nidhi Rules by the Ministry of Corporate Affairs and RBI, requiring minimum 7 members, 3 directors, and ₹5 lakh paid-up capital.
Complete Nidhi Company incorporation package
Extensive documentation for 7 members & 3 directors
5-step process to get your Nidhi Company incorporated
Reserve your Nidhi Company name with MCA.
Gather PAN, Aadhaar for all 7 members & 3 directors.
Draft Memorandum & Articles of Association per Nidhi Rules.
File complete application on SPICe+ portal with all documents.
Receive Certificate of Incorporation in 20–25 days.
All government fees included for complete Nidhi Company setup.
Advantages of the Nidhi structure
A Nidhi Company is a non-banking financial company established as a mutual benefit institution for members. It facilitates lending and borrowing among its members. Nidhi Companies operate on the principle of mutual help and are regulated by the RBI and Ministry of Corporate Affairs.
Minimum paid-up capital of ₹5 lakhs is required. Additionally, Nidhi Companies must maintain prescribed deposit and lending ratios as per Nidhi Rules.
Nidhi Companies can accept deposits from members and provide loans to members only. They cannot accept deposits from public or lend to non-members. All transactions are member-to-member.
Nidhi Companies are regulated by the Ministry of Corporate Affairs under the Nidhi Rules. The RBI also oversees certain aspects related to financial operations.
Nidhi Companies must file annual financial statements, maintain prescribed ratios, file half-yearly returns with MCA, and conduct audits. They must also comply with specific Nidhi Rules regarding member eligibility and transaction limits.
No, Nidhi Companies can only accept deposits from their members. They are specifically restricted from accepting deposits from the general public, which differentiates them from banks.
Nidhi Companies also use these complementary services
A Nidhi Company is the ideal structure for community-based financial institutions focused on mutual savings and lending among members.
Resident welfare associations, chit fund promoters, and neighbourhood savings clubs wanting a formal legal structure.
Individuals who want to provide credit to low-income members in a regulated, legally compliant framework.
Farmers' groups, SHGs, and village cooperatives that want a formal mutual-benefit lending institution for members.
Corporate employee groups and factory workers who want an internal financial institution for mutual savings and emergency credit.
Trust members, church groups, and social organisations that want to pool savings and provide loans to their own members.
Entrepreneurs who want to operate a financial institution for members without full NBFC licence requirements from RBI.
Minimum 7 members, 3 directors, ₹5 lakh capital. SPICe+ filing by expert CS team.
| Service | Our Fee | Timeline | Action |
|---|---|---|---|
| Nidhi Company Registration — Standard | ₹12,999 | 20–25 working days | Pay Now → |
| Nidhi Company — Premium (+ Relationship Manager + 1-year compliance) | ₹16,999 | 15–20 working days | Pay Now → |
Government fees (MCA, DSC for 3 directors) included. Minimum paid-up capital of ₹5 lakhs to be arranged separately as per Nidhi Rules 2014.
The ClearlyComply difference — every service, every time.
Experienced Company Secretaries who specialise in Nidhi Rules 2014 and MCA SPICe+ filing for financial institutions.
All MCA filing and DSC fees included. No surprise charges. Know exactly what you pay upfront.
We coordinate all 7 member documents, prepare Nidhi-compliant MOA/AOA, and handle MCA correspondence.
A single relationship manager tracks your complex multi-member filing and updates you regularly on WhatsApp.
Nidhi compliance guidance, half-yearly MCA returns (Form NDH-1, NDH-3), and annual ROC filings.
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Join 156+ mutual benefit financial institutions. Expert-handled. All-inclusive ₹12,999.
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