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People’s Money. People’s Trust.

Nidhi Company Registration in India

Start Bharat ensures your Nidhi Company is fully compliant and legally strong.

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    OverviewA Nidhi Company is a non-banking finance structure built for mutual benefit among members. Regulated under Section 406 of the Companies Act, 2013, it allows you to accept deposits and lend money — exclusively to registered members — with RBI-exempt status. Start Bharat helps you incorporate your Nidhi Company, draft rules, and handle ROC compliance — so your financial venture starts secure and smooth.

    Nidhi Companies Registered Across India
    100 +
    Compliance Success in First Filing
    10 %
    Member-Based Setups Enabled
    0 +

    Who Is This For?Start Bharat’s Nidhi Company Registration is ideal for founders and groups building community-first financial businesses.

    Local Communities & Financial Trusts

    Resident groups, co-operative-style teams, or societies building internal savings networks.

    Finance Professionals Launching Lending Ventures

    Chartered accountants, NBFC consultants, and financial advisors seeking a legal lending entity.

    Traditional Moneylenders Formalizing Operations

    Businesses doing informal gold loans or chit funds who want RBI-exempt formal registration.

    Family-Led Investment Networks

    Families pooling capital for short-term deposits and group-based lending, with defined return rules.

    Small Institutions Managing Deposits & Loans

    Town-based entities operating local deposit schemes looking for government-approved structure.

    Solutions OfferedStart Bharat provides a full package for registering and legally setting up your Nidhi Company.

    Benefits Nidhi Companies help local businesses and communities build structured lending ecosystems — safely and legally.

    Step-by-Step ProcessStart Bharat handles your complete Nidhi Company setup — legally, compliantly, and on time.

    Frequently Asked Questions

    We’ve amassed a large number of frequently asked questions (FAQs)

    A Nidhi Company is a member-based, non-banking financial institution registered under Section 406 of the Companies Act, 2013. It promotes savings and mutual benefit by accepting deposits and giving loans to members only.

    You need 3 directors, 7 shareholders, and ₹10 lakh paid-up capital. All members must be individuals. A registered office in India is mandatory.

    No. Though financial in nature, Nidhi Companies are exempt from RBI regulations. They follow MCA rules and NDH compliance norms.

    No. Nidhi Companies can only accept deposits and issue loans to their registered members — not to the general public or corporations.

    Within a year, you must have 200 members, maintain a net owned fund to deposit ratio of 1:20, and file NDH-1, NDH-2 (if needed), NDH-3, and annual returns.

    Yes, but only after 3 years of profitable operation and with at least ₹20 lakh net owned funds. Branches must be within the same district unless otherwise approved.

    Get StartedLaunch a people-first lending business — legally and securely.