Start your own Micro-Finance business with a Nidhi Company. It is a Mutual Benefit Society formed to encourage savings among members. No RBI license is required to start.
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A Nidhi Company is a type of Non-Banking Financial Company (NBFC) regulated by the Ministry of Corporate Affairs. It is formed to borrow and lend money to its members. It works on the principle of mutual benefit and is the easiest way to start a loan business in India.
Nidhi Companies are exempted from strict RBI regulations and licensing, making them easier to form and operate.
You can start with a minimum capital of ₹5 Lakhs (later increased to ₹10 Lakhs within a year), which is much lower than other NBFCs.
Nidhi Companies lend money against securities like Gold, Property, or Deposits, ensuring the loans are secured and low-risk.
Compliance requirements are simpler compared to full-fledged NBFCs, making it manageable for small finance businesses.
Digital Signatures for all 3 Directors and 7 Shareholders.
Applying for a unique name ending with "Nidhi Limited".
Filing SPICe+ forms with MOA & AOA tailored for Nidhi objects.
File Form NDH-4 to declare Nidhi status within the stipulated time.
We provide a dedicated Startup Advisor, monthly compliance status reports, and ensure 100% accurate filing at the lowest fees in the market.
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