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Nidhi Company — Promote Thrift & Savings Among Members
We enable community finance and thrift organizations to register as Nidhi Companies, also known as Mutual Benefit Funds or Permanent Funds.
What you get
Overview of Nidhi company registration
A Nidhi Company is a type of Non-Banking Financial entity created to promote savings and provide loans among its members.
These companies are created primarily to promote savings and provide loans among their members.
- Governed by the Ministry of Corporate Affairs (MCA)
- Not RBI-Regulated, but Must Follow MCA Guidelines
- Accepts Deposits & Lends Only to Members
- Also Known as Mutual Benefit Funds
To register a Nidhi Company, a minimum of 7 members is required.
- Must Be a Public Limited Company
- Company Name Must End With 'Nidhi Limited'
- Minimum 7 Members Including 3 Designated Directors
- Minimum Equity Share Capital of ₹10 Lakhs
Nidhi Companies must meet specific net owned funds and deposit ratio norms under the Nidhi Rules, 2014.
- Net Owned Funds (NOF) Must Reach ₹20 Lakhs
- Maintain At Least 10% of Deposits as Unencumbered Term Deposits
- NOF-to-Deposit Ratio Compliance
- Compliance With Companies Act 2013 & Nidhi Rules 2014
We guide you through the regulatory, documentation, and ROC compliance process end to end.
- Name Reservation & Pre-Checks on MCA Portal
- Drafting & Filing of Incorporation Documents with ROC
- PAN, TAN & Bank Account Setup Support
- DIN and DSC for All Directors
Engagement Model
A delivery cadence built for regulated teams. We work in focused sprints with a cross-functional pod and clear ownership across IT, legal, and compliance.
We map your current posture, review evidence, and define success metrics.
Ready to Register Your Nidhi Company?
Get in Touch
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