GST registration was painless. They asked for documents, did the filing, and shared the certificate within a day. We were back to selling without the usual portal back-and-forth.
Ravi Menon
Founder, D2C apparel brand
Govt. of India Recognised MSME NDH-4 Compliance Bundled
Nidhi Company Registration in 18-25 Days
A mutual-benefit company that lends and borrows only among its members. We handle SPICe+ incorporation, NDH-1 / NDH-4 readiness, and 1-year compliance.
18-25 Days Avg. Delivery (post DIN)
Expert CAs
100% Secure
100+Businesses Served
5/5Customer Rating
18-25 DaysAvg. Delivery (post DIN)
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Govt-Approved Filings
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Dedicated Support
Common across nidhi company registration engagements
Pvt Ltd
LLP
OPC
Sole Prop
Partnership
D2C
SaaS
Services
Expert review
A clear nidhi company registration workflow with scope, documents, and status visible.
Finance services work best when the filing path is explicit. We confirm the scope, check documents, prepare the filing, submit after review, and share acknowledgements or certificates.
18-25 DaysAvg. Delivery (post DIN)
ExpertReview support
Document checklist confirmed before submission
Dedicated WhatsApp updates during the filing process
No hidden government-portal work left for you after payment
What's Included
Everything Included
Everything you need, handled end-to-end.
Your Bundle Breakdown
- 7 Director DSCs (Class 3)
- 3 DINs + 4 verified members
- Name reservation + MOA / AOA drafting
- SPICe+ INC-32 incorporation
- PAN, TAN, COI
- 1-year compliance calendar (NDH-1, NDH-4)
Talk to Our Expert
Clear scope, defined delivery, and dedicated support included.
- 18-25 Days Avg. Delivery (post DIN)
- CA-backed, money-back assurance
- No hidden charges, no upsells
- Dedicated WhatsApp support
Review Process
What We Check Before Filing
Document checklist reviewed before portal submission or drafting starts
Identity, address, and business activity details matched across the full file
Resubmission support included if the authority asks for clarification
Understanding Nidhi Company Registration
What is a Nidhi Company?
A Nidhi Company is a non-banking financial entity recognised under Section 406 of the Companies Act, 2013, formed for the sole purpose of lending and borrowing money among its members. It is the only financial structure in India that does not need an RBI licence — its activities are restricted to its registered members only.
Nidhis are popular in Tier-2 / Tier-3 cities for community savings, jewel-loan businesses, and chit-style mutual benefit operations. They cannot accept deposits from non-members, cannot do micro-finance to outsiders, and cannot issue preference shares. Bizeract handles SPICe+ incorporation, NDH-1 (members onboarded within 1 year), and NDH-4 (status declaration) — the two compliance landmines that cause most Nidhi rejections.
200+ membersRequired within 1 year of incorporation (NDH-1)
₹10 lakh paid-upMinimum equity capital under Nidhi Rules 2014
No RBI licenceOnly NBFC-type entity exempt from RBI registration
Eligibility
Who Needs This Service?
Benefits
Benefits
No RBI registration
Only NBFC-type entity outside RBI's purview. Saves the multi-month RBI licensing pain.
Member-only model
Lends and borrows only among members → low default risk and tight community control.
Limited paid-up requirement
₹10 lakh equity capital — far lower than NBFC ₹2 crore minimum.
Perpetual succession
Separate legal entity. Survives founder exits.
Tax slab advantage
Taxed at corporate slab rate (currently 22% u/s 115BAA) — often lower than partnership / individual.
NDH-4 = recognition
Once NDH-4 declaration is approved, the Nidhi badge is locked in. Strong trust signal for member onboarding.
Get nidhi company registration done rightExpert review. Clear scope. Callback in 30 minutes.
Book Consultation Filing workflow
How it works
A clear step-by-step process. Done by experts, on your behalf.
1
Discovery + name
Map your member base, geography, and 3-year plan. Reserve 2 names ending in "Nidhi Limited".
2
DSC + DIN
Class-3 DSCs for 7 founding directors, DIN allotment for the first 3.
3
SPICe+ filing
INC-32 with MOA/AOA drafted to Nidhi rules. ROC issues COI in 5-7 working days.
4
Compliance handover
NDH-1 (200 members in 12 months) and NDH-4 (status declaration) calendar set up. Year-1 reminder schedule.
Documents required
Documents needed for Nidhi Company Registration
We confirm the exact document set for your entity type before filing.
Required for most applicants
- PAN of all 7 directors
- Aadhaar of all 7 directors
- Latest electricity bill / utility bill of registered office
- Rent agreement + NOC from owner (if rented)
- Property tax receipt (if owned)
- Passport-size photo of every director
Depends on business type
- Bank statement (3 months) for KYC
- Email and mobile number for OTP
Get Nidhi Company Registration handled end-to-end
18-25 Days Avg. Delivery (post DIN). Clear scope, expert review, and no hidden steps.
FAQs
Frequently Asked Questions
How is a Nidhi different from an NBFC?
NBFCs are RBI-licensed and can lend to anyone. Nidhis are MCA-registered (no RBI licence) but can only lend to and borrow from their own members. Different paid-up requirements (₹2 Cr for NBFCs vs ₹10 lakh for Nidhis).
What is NDH-1 and why is it mission-critical?
NDH-1 is the form that confirms you have onboarded at least 200 members within 1 year of incorporation. Failure to file = the Nidhi licence is auto-revoked. We track this for you.
Can a Nidhi accept FDs?
Yes — Fixed Deposits, Recurring Deposits, and Savings Deposits, but only from members. Maximum FD tenure 60 months; rates capped 2% above SBI rates. No deposit from non-members ever.
Are loans capped?
Yes, by member deposits ratio. Lending ceiling per member is ₹2 lakh / 7.5 lakh / 12 lakh / 15 lakh depending on aggregate deposits. Only secured loans (gold / property / FD-backed) allowed.
Can a Nidhi expand outside its state?
Yes, but each branch outside the registered state requires NDH-2 prior approval. Branches must be opened gradually over 3 years; max 3 branches in 3 years initially.
Are TDS / GST applicable?
GST applies on commission / processing fees collected (not on interest). TDS u/s 194A applies on interest paid to depositors above thresholds. Bookkeeping must be tight from day one.
What does the process look like?
Fill the form → expert calls within 30 minutes → share documents on WhatsApp → we file → you receive certificates / acknowledgements. Zero office visits.
Are there hidden fees beyond the offer price?
No. The offer price covers the full scope listed in the bundle. Government fees (where applicable, like ROC for incorporations) are passed through at actuals — disclosed upfront before you pay.
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