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Nidhi Company Registration

Member-based deposits & lending — RBI-exempt, done by the book.

Online across Kerala & all India 20–30 working days (subject to MCA processing)

A company accepts deposits and lends only among its own members — and is RBI-exempt as a result. The regulatory bargain is strict: 200 members + ₹10 lakh net-owned-funds within one year, plus ongoing NDH filings. We register it with the right MOA/AOA structure and set up the Year 1 compliance calendar so you cross the threshold cleanly.

Incorporation

Registered, Nidhi-compliant from day one.

₹23,599all-in (our fee + GST)
Our fee
₹19,999
GST (18%)
₹3,600
You pay us
₹23,599

+ government fees at actuals — see below. Receipts always shared.

  • Name approval with mandatory "Nidhi Limited" suffix
  • Incorporation with Nidhi-specific MOA/AOA clauses
  • issued
  • Allotment of 3
  • Company &
  • Member & capital structuring guidance
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Operational

Incorporated + operational basics.

₹29,499all-in (our fee + GST)
Our fee
₹24,999
GST (18%)
₹4,500
You pay us
₹29,499

+ government fees at actuals — see below. Receipts always shared.

  • Everything in Incorporation
  • auditor appointment
  • commencement of business
  • First drafting
Start on WhatsApp
Most Popular

Year-1 Compliance

Hits the 200-member / NDH-4 milestone cleanly.

₹46,019all-in (our fee + GST)
Our fee
₹38,999
GST (18%)
₹7,020
You pay us
₹46,019

+ government fees at actuals — see below. Receipts always shared.

  • Everything in Operational
  • statutory compliance return (within 90 days of FY-end)
  • "deemed Nidhi" declaration (within 120 days of crossing 200 members + ₹10 lakh NOF)
  • AOC-4 + MGT-7 first-year filings
  • DIR-3 KYC + financial statement preparation
  • Year-1 compliance calendar with milestone tracking
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Full Mission

Nidhi + brand + full first-year stack.

₹62,539all-in (our fee + GST)
Our fee
₹52,999
GST (18%)
₹9,540
You pay us
₹62,539

+ government fees at actuals — see below. Receipts always shared.

  • Everything in Year-1 Compliance
  • 1 Trademark application
  • filing
  • 12 months of GST return filing (if applicable)
Start on WhatsApp

Government fees, in the open

MCA fees + stamp duty + name reservation — typically ₹6,000–15,000 total (varies by state and capital). for 7 subscribers + 3 directors if needed. Receipts shared.

Documents you’ll need

  • PAN + Aadhaar of 7 subscribers + 3 directors
  • Photos of all
  • Address proof of each
  • Registered office proof + NOC / rent agreement
  • Minimum equity capital declaration (₹5 lakh)

How it works

  1. 1Plan choice + payment — WhatsApp checklist
  2. 2DSCs procured for all 10+ signatories
  3. 3Name reserved with "Nidhi Limited" suffix
  4. 4Nidhi-compliant MOA/AOA drafted (specific lending clauses + member-only restrictions)
  5. 5Incorporation filed; CIN issued
  6. 6Year-1 calendar set up — 200-member + NOF target tracked weekly

Questions, answered

What's the catch with Nidhi being "RBI-exempt"?
It's a strict trade-off. You can only deal with members — no public deposits, no lending to outsiders, no advertising for funds. Miss the 200-member or ₹10 lakh NOF target in Year 1 (via NDH-2 extension max), and you lose the status entirely. We track this weekly.
How are deposits and loans rate-capped?
Savings deposits up to 6% interest; FD/RD up to 12.5%; lending capped at 7.5% above deposit rate. Maximum 1:20 deposit-to-NOF ratio. We brief your board on these limits in the Operational tier and up.
How is this different from an NBFC?
An NBFC is RBI-licensed and serves the public; a Nidhi is MCA-registered and serves only members. NBFC licences take 6–18 months and cost ₹5+ lakh; Nidhi takes 4 weeks and costs ~₹20k. Right structure depends on your customer base.

Every order also includes

Live status updates on WhatsApp
12-month compliance calendar & deadline reminders
All your documents, organised & shared back
Full price breakup before you pay — never after

Ready for Nidhi Company?

Message us now — a real reply in minutes, a clear price before you pay.