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A Nidhi Company is a non-banking financial company (NBFC) under Section 406 of the Companies Act 2013, dealing exclusively with its own members for savings and loans. Unlike NBFCs, Nidhis do not need RBI licensing — they are regulated by the MCA. Within 1 year of incorporation a Nidhi must enrol 200+ members and reach ₹20 lakh net-owned funds to apply for full Nidhi status (NDH-4).
Everything required for Nidhi Company Registration. Government statutory fees (MCA stamp duty, trademark filing fee, etc.) are charged at actual cost and shown separately before payment.
Pvt Ltd-style incorporation with "Nidhi Limited" suffix
MoA aligned with Nidhi Rules 2014
NDH-1 / NDH-2 / NDH-3 form filings
200-member onboarding playbook
NDH-4 application after 1 year
Keep these documents ready before starting. Our team will guide you through secure upload to our portal.
Pro Tip
Scan documents in 300 DPI and keep file size under 5MB. Coloured scans work best for Aadhaar and PAN.
7 director KYC (PAN, Aadhaar)
Registered office proof + NOC
Member acceptance form template
Nidhi-rules-aligned MoA
A Nidhi Company borrows from and lends only to its members, cultivating thrift and mutual savings within a closed group.
Nidhis are exempt from core RBI NBFC licensing requirements, since they deal only with members under Section 406 rules.
It can be started with modest paid-up equity, making member-based finance accessible to small communities and localities.
Loans are given against collateral like gold, property or deposits, keeping the lending book low-risk and recoverable.
Operating within its members and limited branches keeps governance straightforward compared with full-fledged banks or NBFCs.
Communities forming a member-based savings society
Groups promoting thrift and mutual lending
Local cooperatives offering credit to members only
Promoters wanting a finance entity without an NBFC licence
Neighbourhood or workplace savings collectives
Minimum seven members and three directors at incorporation
Minimum paid-up equity capital of Rs.10 lakh
At least 200 members within one year of incorporation
Net owned funds of Rs.20 lakh and ratio not exceeding 1:20 to deposits
Register a Public Limited Company with "Nidhi Limited" in the name. 7 members minimum.
Declaration of compliance with Nidhi Rules.
Enrol 200+ members and build ₹20 lakh net-owned funds in year 1.
After 1 year, apply for full Nidhi status.
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No — Nidhis are exempt from RBI registration. They are regulated only by MCA under Nidhi Rules 2014.
No. Nidhi can only deal with members — borrowing and lending strictly intra-member.
Nidhi can apply for time extension via NDH-2 with the Regional Director, otherwise face ₹5,000-25,000 penalty.
Join 500+ businesses who trusted us for Nidhi Company Registration.
Five stages, SLA-tracked, with a named CA who replies in under 12 minutes during business hours.
You
FilingLab
Govt
01
You
Initial requirements
You share KYC and service-specific details.
1 day
02
FilingLab
Document preparation
Our CA team drafts every form and supporting document.
2 days
03
FilingLab
Verification & filing
Senior review, then submission to the relevant government portal.
Same day
04
Govt
Government processing
Authority reviews and approves the application.
5–15 days
IF REJECTED
If the government raises a clarification, we respond within 24 hours at no extra service fee.
05
FilingLab
Certificate + handover
Final certificate downloaded and shared. Compliance calendar goes live.
Same day
01
You
· 1 day
Initial requirements
You share KYC and service-specific details.
02
FilingLab
· 2 days
Document preparation
Our CA team drafts every form and supporting document.
03
FilingLab
· Same day
Verification & filing
Senior review, then submission to the relevant government portal.
04
Govt
· 5–15 days
Government processing
Authority reviews and approves the application.
IF REJECTED
If the government raises a clarification, we respond within 24 hours at no extra service fee.
05
FilingLab
· Same day
Certificate + handover
Final certificate downloaded and shared. Compliance calendar goes live.
