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Nidhi Company Registration

@18,499/-

🏦 Nidhi Company – Registration & Compliance Services

A Nidhi Company is a type of Non-Banking Financial Company (NBFC) recognized under the Companies Act, 2013, created to promote savings among its members and provide loans only to its members. It is one of the most popular forms of community-based finance in India, especially for mutual benefit societies.

At Lakshya Tax Consultancy, we provide end-to-end support in registering and managing a Nidhi Company with complete compliance and expert guidance.

✅ What is a Nidhi Company?

A Nidhi Company is formed only for its members, with the objective of accepting deposits and lending money to its members, thereby encouraging thrift and savings. It falls under the purview of the Ministry of Corporate Affairs (MCA) and is regulated by Nidhi Rules, 2014.

🔎 Key Features of a Nidhi Company

✔️ No RBI Approval Required – Easy registration compared to NBFCs.
✔️ Members-Only Operations – Accepts deposits & lends only to members.
✔️ Encourages Savings – Promotes financial discipline in a community.
✔️ Low Setup Cost – Cheaper compared to NBFC registration.
✔️ Limited Liability – Members’ liability is restricted to their shareholding.

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Company Name Registration Form

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Key Compliance Requirements of a Nidhi Company ?

Get your query resolved by the Best Nidhi Company Registration Consultant in India

  • Must have at least 3 Directors and achieve a minimum of 200 members within 1 year of incorporation.

  • Required to maintain accurate accounting records and file annual returns with the Ministry of Corporate Affairs (MCA).

  • Financial statements such as Balance Sheet, Profit & Loss Account, and Cash Flow Statement must be filed within prescribed timelines.

  • Subject to Statutory Audit by a qualified Chartered Accountant to ensure compliance and transparency.

  • Deposits can be accepted only from members and must not exceed 20 times the Net Owned Funds (NOF).

LakshyaTaxConsultancy, a leading Business Consultant, offers quick Nidhi Company Registration Online Service in India with five simple steps:

1. First and foremost, we will apply for your Digital Signature Certificate (DSC) and Director Identification Number (DIN)

2. Choosing a Unique Name for your Company.

3. Preparing required Nidhi Company registration documents.

4. Filing e-forms with MCA.

5. Allotment of COI. Congratulations, your Nidhi Bank Registration is now complete.

The only step left is to open your Nidhi Company Current Bank Account using the COI allotted by the MCA department. You can begin your Lending business operations now.

It is important to note that:

Nidhi Company Registration are a sort of NBFC (Non-Banking Financial Corporation) that is regulated and managed by the Companies Act, 2013. The single essential aspect that sets this company from others is that it only accept deposits from and makes loans to its members, i.e., shareholders, and it only works for the mutual benefit of its members. The RBI has exempted this company from the RBI Act of 1934’s main regulations because it exclusively deals with the money of its owners or members.

🌟 Why Choose Lakshya Tax Consultancy?

✔️ Hassle-Free Registration – Complete guidance on documentation, drafting MOA & AOA, and ROC filings.
✔️ Expert Compliance Support – Timely reminders and assistance with MCA filings & statutory audits.
✔️ 100% Online Process – Fast, transparent, and cost-effective registration.
✔️ Dedicated Legal & Financial Experts – Professional guidance at every step of your Nidhi journey.

👉 With Lakshya Tax Consultancy, registering and managing your Nidhi Company becomes a smooth and transparent process, ensuring you focus on building trust and financial growth among your members while we take care of the legalities.

 
Features of Nidhi Company

Features you can't resist

Separate Legal Entity

In a Nidhi Company Registration, the Company, Directors and its Shareholders are considered as Separate Legal entities, thus shields from personal liability and protects from other risks and losses.

Easy to Change Owners

It is easy to change the members and directors at any given point of time. The cost associated with the addition or removal of Directors or Shareholders from a Nidhi Company is quite nominal and the process can be completed within the same day as well.

No RBI Regulations

The Benefit of Nidhi Company Incorporation is that, it does not require to take prior approval from RBI to start its loan business. Thus, the Comapny can start its business as soon as it incorporates.

Interest Income

Nidhi Company enjoys the benefit of having a steady income in the form of Interst inome. Also, Nidhi Comapny can earn Interest upto 20% P.a.

Ease of Expansion

Nidhi Comapny can open maximum upto 3 branches within the district after sucessfully completing its 3 years after incorporation.

Safe Lending

Nidhi Company is allowed to lend money against securities like gold, immovable property, FDs, etc. thus providing the adequate resources for recovery.

Minimum Investment

Nidhi Company can be incorporated with a minimum paid up capital of Rs. 5 Lakhs.

Low Risk of NPAS

As we all know that Nidhi Company is allowed to deal with its members only, it provides reasonable assurity about the safety of the money lend by it.

Easy Fund Availibility

A Nidhi Company Registration is required to make minimum of 200 members which ultimately provides it with easy fund availability from its members.

📑 Documents Required for Nidhi Company

 

✔️ PAN & Aadhaar Card
✔️ Address Proof (Bank Statement / Utility Bill – not older than 2 months)
✔️ Passport Size Photos
✔️ DSC & DIN (if available)

For Registered Office:
✔️ Utility Bill (Electricity / Water / Gas – not older than 2 months)
✔️ Rent Agreement (if rented) + NOC from Owner)

Other:
✔️ Draft MOA & AOA
✔️ Details of initial Directors & Shareholders (Min. 3 Directors & 7 Shareholders)

Nidhi Company Registration Procedure

More simple than it looks!

1. Preparations of Digital Signature (DSC)

1st we apply for DSCs of all the Directors & Subscribers. Digital Signatures are required for signing all the documents while incorporating your Nidhi Company.

2. Filing Application for Director's DIN

After DSCs, we will apply for the Director Identification Number (DIN) for each of the proposed directors. It is the unique number allotted by the MCA to each director of the Proposed Nidhi Company.

3. Choosing Unique Name for your Nidhi Company

Meanwhile applying for your digital signatures, we will help you in selecting a Unique Name for your Company. This process completes on the same day.

4. Preparing Forms and Documents

Once your Company name is approves, our experts will start preparing all the required e-forms and other documents. These documents will contain the company’s business objectives i.e., MOA and AOA and other legal documents that needs to be submitted to the department.

5. Filing e-forms with MCA

After completing all the formalities and documents, we upload e-forms prepared in step-3 on the MCA portal which takes approx 2 days for either approval or rejection. Relax, our experts will get your Nidhi Company registered in a single shot.

6. Allotment of COI, PAN & TAN

Once, the approval is confirmed from the department, the MCA will issue the Certificate of Incorporation, the company’s PAN and TAN using which a Current Bank Account can be opened and you can start your business operations right away. CONGRATULATIONS.

Requirements For Post-Nidhi Company Registration

Important Compliance Checkpoints

Once the Nidhi Company Registration process is completed online, the company must comply with certain statutory requirements within a defined timeline. These compliances are essential for the company to continue operating legally and to maintain its status as a Nidhi Company in India.

📌 Post-Incorporation Requirements of a Nidhi Company

After incorporation, a Nidhi Company must fulfill certain compliance requirements within the prescribed timelines as per the Companies Act, 2013 and Nidhi Rules, 2014. These ensure transparency, financial discipline, and smooth functioning.

1️⃣ Minimum 200 Members

  • A Nidhi Company must have at least 200 members (shareholders) within 1 year of incorporation.

  • The company is also required to file a return of statutory compliances in Form NDH-1 with the Registrar of Companies (ROC) along with the list of members within 90 days from the close of the first financial year.

2️⃣ Net Owned Funds (NOF) – Minimum ₹10 Lakhs

  • The company must maintain a minimum Net Owned Funds (NOF) of ₹10 lakhs at all times.

  • NOF = (Paid-up Equity Share Capital + Free Reserves) – Accumulated Losses – Intangible Assets.

  • This requirement ensures that the company has a strong financial base to protect members’ interests.

3️⃣ NOF to Deposits Ratio – Maximum 1:20

  • A Nidhi Company can accept deposits only up to 20 times of its Net Owned Funds (NOF).

  • For example: If NOF = ₹10 Lakhs, then the company can accept maximum deposits = ₹2 Crores.

  • This ratio is crucial to prevent over-leveraging and to maintain financial stability.

4️⃣ Unencumbered Deposits – Minimum 10%

  • A Nidhi Company must keep at least 10% of its total deposits in unencumbered term deposits with a scheduled commercial bank or post office.

  • “Unencumbered” means these deposits must be free from any lien, pledge, or charge.

  • This acts as a safety reserve, ensuring liquidity to meet unforeseen withdrawal demands.

✅ By adhering to these conditions, a Nidhi Company ensures legal compliance, financial security, and trustworthiness in the eyes of members, regulators, and stakeholders.

Our Incredible Packages

Leading Nidhi Company Registration Experts in India

Foundation Package

₹24999 ₹ 18499/-
(+ Govt Fees)
Registration in 10 working days
Authorised Capital upto 15 lacs
3 DIN & 7 DSC (Class-3)
Certificate of Incorporation
MOA, AOA, PAN, TAN, ESIC, EPF
GST Registration
Professional Website
1 year Domain & Hosting
Basic On-Page SEO
Google Analytics & Web mails
Commencement Certificate
Trademark Registration
Auditor Appointment
ITR of Company
Audit & Annual Compliances
This is Perfect for me
Popular

Compliance Package

₹39999 ₹ 28499/-
(+ Govt Fees)
Registration in 10 working days
Authorised Capital upto 15 lacs
3 DIN & 7 DSC (Class-3)
Certificate of Incorporation
MOA, AOA, PAN, TAN, ESIC, EPF
GST Registration
Professional Website
1 year Domain & Hosting
Basic On-Page SEO
Google Analytics & Web mails
Commencement Certificate
Trademark Registration
Auditor Appointment
ITR of Company
Audit & Annual Compliances
This is Perfect for me
Advance

Complete Care Package

₹58999 ₹ 48999/-
(+ Govt Fees)
Registration in 10 working days
Authorised Capital upto 15 lacs
3 DIN & 7 DSC (Class-3)
Certificate of Incorporation
MOA, AOA, PAN, TAN, ESIC, EPF
GST Registration
Professional Website
1 year Domain & Hosting
Basic On-Page SEO
Google Analytics & Web mails
Commencement Certificate
Trademark Registration
Auditor Appointment
ITR of Company
Audit & Annual Compliances
This is Perfect for me
Popular

Frequently Asked Questions

Your Questions, Answered with Clarity.
What types of businesses do you serve?

We work with startups, SMEs, e-commerce sellers, professionals, and large enterprises—providing customized audit, tax, and advisory solutions.

Yes, we handle all types of GST and Income Tax notices, reply drafting, assessments, and representation before authorities.
Absolutely! We offer end-to-end services online including consultations, documentation, filings, and support—saving your time and effort.
You’ll need PAN, Aadhaar, address proof, business name options, and a utility bill of the office location. We assist with everything.

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Why Choose Us?

Best Online Company Registration in India
Understanding-Client-Needs

7-10 Working Days

"We specialize in delivering the fastest online company registration services in India. We understand the excitement of launching your first venture, and our team ensures a smooth, hassle-free process with complete dedication and precision."

Strategy

One Expert, Just for You

"The moment you choose to register your company with us, we assign you a dedicated personal assistant to guide you through every step—ensuring a seamless process, timely updates, and quick answers to all your questions."

Strategy

Lowest Possible Cost

"The first step into entrepreneurship doesn’t have to be hard—or expensive. At Lakshya Tax Consultancy, we make your business journey simple, stress-free, and affordable, offering the best CA consultancy services in India at the lowest possible cost."

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"We are committed to delivering our very best, every time. Whether it’s day or night, our team is always ready to assist you—because your queries deserve timely answers. Our dedication has earned us a proud 5-star rating on Google. Contact us anytime via call, SMS, email, or WhatsApp, and experience service that never sleeps."

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