ComplyKart Services
Nidhi Company
Package Inclusions:
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Free Incorporation Advisory by expert Chartered Accountant
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DSC of Seven Directors
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DIN of three Directors
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Name Reservation of Nidhi Company
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Central Govt. License
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MoA & AoA
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Company PAN & TAN
CA/CS-guided review
Your documents and structure are checked before anything is filed.
Written scope first
Inclusions and payable charges are explained before work begins.
Support till it’s done
One team owns your filing, from the first call to the final handover.
Plans from ₹24,999
Pick the plan that fits the stage of your business. Any variable government charges are shown in a written breakup before filing.
Get a free callback
Your details stay private — we only call about this enquiry.
Experience behind every filing
A quick snapshot of the work so far.
Fees
Fees and packages for Nidhi Company
Pick the plan that fits the stage of your business. Every plan starts with a written breakup — no surprises later.
Choose a plan to prefill the callback form.
🤔 Not sure which plan fits you?
Two quick questions. We'll tell you which plan actually fits.
1. How soon do you need this done?
Starter
₹24,999
What’s included
- DSC & DIN for directors
- Name reservation with MCA
- MOA & AOA drafted per Nidhi rules
- SPICe+ incorporation filing
- PAN & TAN issued
- NDH-1 and NDH-4 filing guidance
- Member onboarding document templates
Growth
₹39,999
What’s included
- Everything in Starter
- Statutory registers set up correctly
- First-year compliance checklist — member count, deposit rules, filings
- Net owned funds compliance guidance
- Welcome briefing with your expert on Nidhi dos and don'ts
Scale
₹59,999
What’s included
- Everything in Growth
- Dedicated relationship manager
- RBI correspondence support
- Quarterly compliance health check for year one
Done right, or your money back.
If our experts find your requirement can't be fulfilled as scoped, you get a full refund of the professional fee — no questions, no fine print. Government charges already paid are pass-through and go to the government, not us.
Every quote shows the professional fee, government charges and taxes as separate lines — you approve the full breakup in writing before paying anything.
Stamp duty, filing fees and department charges go to the government, not to us. They vary by state, capital and applicant count, so we show them separately for your case.
The free consultation comes first. You only pay after you have seen the exact scope, the exact breakup and the expected timeline — no surprises later.
1
Free consultation. Tell us what you need; a CA, CS or advocate maps the exact scope.
2
Written quote. You receive the plan, the line-by-line breakup and the timeline in writing.
3
You approve, then pay. Work starts only after you sign off on the quote.
Nidhi Company Registration Package Inclusions
- Public limited company incorporation as Nidhi base
- NDH-4 declaration filing with the ROC
- 200-member enrolment documentation guidance
- Deposit and lending rulebook briefing
- Compliance calendar: NDH-1/2/3 and annual filings
You know exactly which filings, documents and handover items belong to your selected plan.
Capital, stamp duty, applicant count and case-specific government charges are shown separately.
Choose the tier around the way you plan to operate, not simply the highest price.
Overview
Overview
Nidhi (Hindi: fund) Company is a type of loan Company, recognized under Section 406 of the Companies Act, 2013, governed by Nidhi Rules, 2014, and exempted from the stringent regulatory compliances of other NBFCs. Only members of the company can make deposits and take loans amongst themselves, so it serves as a mutual benefits society in the form of a company. The objective of a Nidhi company is to promote a habit of thrift among its members and reserve funds for mutual benefit. They are also known as Permanent Fund, Benefit Funds, Mutual Benefit Funds and Mutual Benefit Company.
They are regulated by Ministry of Corporate Affairs. Reserve Bank of India is empowered to issue directions to them in matters relating to their deposit acceptance activities. They are incorporated as a public limited company and hence, they have to comply with two set of norms, one of Public limited company as per Companies Act, 2013 and another is for Nidhi rules, 2014. Every Nidhi shall, within a period of one year from the commencement must ensure that it has not less than 200 members.
At the time of incorporation, a Nidhi Company is required to have at least 3 directors and 7 shareholders/ members as it is a type of public Company. It also requires an initial paid-up equity capital of only Rs. 5 Lakhs. A Nidhi Company can operate from more than one branch after 3 years and also from different districts after getting RD approval.
Complykart is the Industry leader in Registration of different businesses, Accounting and Compliance management. With a team of expert professionals, ComplyKart offers exceptional services within short time in economical price. Get a free consultation for Nidhi Company registration and business setup in India by scheduling an appointment with our expert professionals.
Main Highlights of Nidhi Company
- Nidhi Company is the lowest expense loan Company as compared to NBFC & other loan Companies
- Nidhi Company is regulated under Companies Act, 2013, o need to follow stringent RBI rules for Nidhi Companies.
- Nidhi Company can earn maximum interest of 20% on loan at reducing balance method.
- Nidhi Company can accept deposit upto 20 times of its net worth.
- Nidhi Company is allowed to lend only against gold, property, FD, Government Securities
- Nidhi Company can open 3 branches within the district of its operation.
- Nidhi Company must add minimum 200 members within 1 year of its incorporation.
- A Nidhi Company cannot carry om a business of chit funds, hire purchase finance, leasing finance etc.
Benefits
Advantages of a Nidhi Company
Open each benefit to see what it means for you.
Easy to Set-up & Operate
Nidhi Company can be set up as a normal Company. Approval is not required to be obtained from any authorities. A Nidhi Company can be setup in 15 days from submission of documents.
Separate Legal Entity and Perpetual Existence
Being a public company, Nidhi Company is a juristic person that can own property and incur debts in own name. Its legal existence continues even in the event of death/incapacity of any of its directors or members, until it is legally dissolved.
Ease of Borrowing and Raising Funds
In a tight-knit group like a Nidhi Company, it is easier to raise funds, borrow and lend, as compared to a bank and more structured as compared to an informal setting.
Ease of Borrowing and Raising Funds
In a tight-knit group like a Nidhi Company, it is easier to raise funds, borrow and lend, as compared to a bank and more structured as compared to an informal setting.
Encourages Savings
Since it is a mutual benefit society, members are encouraged to maintain a thrifty lifestyle in order to maximize savings. This is one of the major motivations of setting up a Nidhi Company.
Limited Liability
Nidhi Companies are registered as public limited companies, they have all the features of the latter, including limited liability, which implies that any member of the company is not personally liable for any damage inflicted by another member or an external circumstance, which leads to losses, financial or otherwise. Only the assets of the business are at risk.
Documents
Documents required for Nidhi Company Registration
Clear, current documents matter more than a long checklist. Names, dates of birth and addresses should match across every record — that's what the MCA checks first. Tick what you already have below.
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Identity and address proof (all directors & shareholders)
Verified against MCA requirements
Registered office and company proof
Verified against MCA requirements
What is a CIN?
Every Private Limited Company gets a unique 21-character Corporate Identification Number from the MCA. It's proof your company legally exists. You'll need it for bank accounts, tax filings, and contracts. We handle the entire application — you just provide the documents above.
Not sure if your documents are ready?
Send us what you have. A ComplyKart expert will review them for free and tell you exactly what's missing — no obligation.
Get Free Document ReviewQuestions Founders ask us about documents
What if my address proof is old?
Utility bills and bank statements must be less than 2 months old. If yours are older, get a fresh copy — the MCA rejects stale proofs.
Do I need original documents?
No. Clear scans or photos work for the entire process. We never ask you to courier originals.
What if directors live in different cities?
That's normal. Each director uploads their own documents separately. Our system keeps everything organised.
I'm outside India. Can I still register a company?
Yes. India allows 100% foreign ownership in most sectors, and the entire process happens online. You need one Indian resident director, and your passport + address proof must be apostilled — we'll guide you through both. NRI founders and foreign investors do this with us regularly.
Check if you're eligible →How long does registration actually take?
7 to 10 working days from the day your documents are verified. Name approval takes 2-3 days, MCA incorporation another 5-7. We track every stage and update you.
Can I start if I'm missing one document?
Yes. Start now with what you have — we begin name reservation and DSC while you arrange the rest. Most founders are missing one proof; it rarely blocks the timeline.
Process
Nidhi Company Registration process — step by step
You’ll see each stage, what’s pending and what we need from you — so filings don’t bounce back.
Step 1 of 6
Understand what a Nidhi company is
A Nidhi company borrows from and lends only to its members — it cannot do business with outsiders, cannot advertise for deposits, and is governed by the Nidhi Rules, 2014 under the Companies Act, 2013.
Incorporate as a public limited company
You first incorporate as a public limited company through SPICe+ on the MCA portal, with MOA objects restricted to Nidhi business. A minimum of 3 directors and 7 members is required.
Build the member base
Within one year of incorporation, the company must have at least 200 members and meet the net owned funds requirements under the Nidhi Rules. This is the make-or-break compliance for Nidhi status.
Apply for Nidhi declaration (Form NDH-4)
Once the member and net owned funds criteria are met, we file Form NDH-4 with the MCA seeking declaration as a Nidhi company. MCA scrutiny is detailed, so the filing must be airtight.
Receive Nidhi status
On approval, the company is declared a Nidhi company. The end-to-end process typically takes 30-60 days including MCA scrutiny, assuming the member base is ready.
Meet ongoing Nidhi filings
Nidhi companies must file annual returns in Form NDH-1 and half-yearly returns in Form NDH-3, along with regular company filings. We track these deadlines for you.
Why ComplyKart
How ComplyKart helps in this Entire Process
You should know who’s doing what. Open a stage to see how the work is shared.
Consulting
Our Nidhi Company Incorporation experts will provide you with the best consultancy on Registration procedure and the req...
Help in preparing Relevant Documents
We help our clients in preparation of application and necessary documents to be presented to Registrar for Registration.
Filing of Document with Registrar
We will file the e-Form INC- 32, MOA & AOA along with necessary documents required for getting the approval which is obt...
Follow-Up
Our experts continuously follow up with the development with the Authorities and ensure speedy registration process.
Consulting: Our Nidhi Company Incorporation experts will provide you with the best consultancy on Registration procedure and the required documents to be provided.
For NRI founders & foreign investors
If a founder or investor is outside India
You don't need to fly down. Most of our foreign-founder incorporations are completed without the founder ever visiting India — 100% foreign ownership is allowed in most sectors, and the entire process happens online.
Before you start
- 100% foreign ownership is allowed in most sectors — no Indian partner needed
- One Indian resident director is required by law — we help you find a compliant way forward
- Check whether your sector permits automatic-route foreign investment
- Your passport + address proof need an apostille, not an embassy visit
- Map ownership, beneficial ownership and pricing early
After incorporation
- Receive funds through permitted banking channels
- Complete RBI/FEMA reporting (FC-GPR, FLA) and keep the bank evidence
- Coordinate tax and ongoing compliance advice early
Free 15-minute eligibility call. No obligation.
FAQ
Frequently Asked Questions
Search all 2 answers, or filter by the stage you’re thinking about.
Showing 2 of 2 answers
The major objective of a NIdhi Company is charity and does not have profit as it major motto.
Naming a Nidhi company doesn’t require the term Nidhi with the company name.
Nothing matches that search. Try a shorter word, or choose “All questions”.
What clients say about working with us
Real stories from businesses we've worked with.
Our Trademark was applied in all the classes with a short span of time by Complykart Trademark Experts and I can say the level of expertise and commitment they carry is remarkable. It's an A+ from my side. We are now sticking to ComplyKart only.
I found the professionalism of the staff at complykart.com, a pleasure to work with. As a foreigner to India, they took the time to explain the documentation and assisted in every question I raised. I was pleased that complykart.com made it easy for my Business.
Trust, Commitment, Dedication and responsiveness are the best things with ComplyKart. Thanks for handling our Merger assignment with so much care. After my business disputes, complykart handles all things with own sense of understanding.
Learning center
Guides on Nidhi Company
Deeper reading from our articles — the same rules, explained in plain words.
Trust & transparency
Sources & how we keep this page accurate
Primary sources we refer to:
- Ministry of Corporate Affairs (MCA)
- GST Portal
- Income Tax Department
- IP India (Trademark / Patent / Copyright)
Last verified: 6 October 2026
Compliance rules change. If something on this page looks outdated, tell us on WhatsApp and we'll fix it — and your filing will always follow the current rules, not just what's written here.
Get a free consultation
Talk to a ComplyKart professional about Nidhi Company. The first consultation is free.
