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Nidhi Company Registration 2026
India’s No. 1 Nidhi Company Registration Service Provider
Experience a hassle-free and smooth Nidhi Company Registration with Avinext Legal Services. Our professionals handle the entire process with accuracy and compliance.
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Nidhi Company Registration Guide & Procedure
Share Your Basic Details
Provide the proposed Nidhi Company name, business objective, member details, and KYC documents through our simple online form.
Document Verification & Name Approval
We verify all documents, check name availability, and prepare legal drafts required for smooth Nidhi Company incorporation.
Application Drafting & Filing
Our experts prepare MOA, AOA, digital signatures, and complete SPICe+ filing with the Ministry of Corporate Affairs on your behalf.
Approval, Queries & Compliance
We track your application, respond to MCA queries, and provide support until your Nidhi Company registration is approved.
Certificate of Incorporation Issued
After approval, you receive the Certificate of Incorporation, PAN, TAN, and official Nidhi Company status to begin operations.
Register your Nidhi Company with complete documentation, MCA filing, and compliance support. Start your registration today.
Nidhi Company Registration 2026: Complete Process Step By Step
Nidhi Company Registration 2026 – Overview
A Nidhi Company is a type of Non-Banking Financial Company (NBFC) recognised under Section 406 of the Companies Act, 2013 and governed by the Nidhi Rules, 2014. Its primary objective is to cultivate the habit of savings among its members and provide loans to them from the funds contributed by those members.
Nidhi Companies are formed as public limited companies and are allowed to accept deposits and give loans only to their members. In 2026, the incorporation process is fully online through the MCA portal using the SPICe+ forms and related e-filing utilities.
Benefits of Nidhi Company Registration
- Member-focused finance: Nidhi Companies work only for their members, ensuring transparent and community-driven financial support.
- Encourages savings: Promotes the habit of regular savings among members through recurring, fixed and other deposit schemes.
- Easy loan access: Members can obtain secured loans at comparatively reasonable interest rates.
- Simple structure: Less complex compared to many other NBFC structures, with limited external regulatory burden.
- Low cost of formation: Incorporation and operational costs are comparatively lower than many other financial entities.
- Limited liability & separate entity: Members enjoy limited liability and the company has its own legal identity.
Eligibility for Nidhi Company Registration
Before forming a Nidhi Company in India, you must ensure that the proposed company and promoters meet the basic legal and regulatory requirements:
| Criteria | Details |
|---|---|
| Type of Company | Must be incorporated as a Public Limited Company with “Nidhi Limited” as the last words of its name. |
| Minimum Directors | At least 3 Directors at the time of incorporation. |
| Minimum Shareholders | At least 7 Members at incorporation. Within 1 year, the company must have at least 200 members. |
| Share Capital | Recommended minimum paid-up equity share capital is generally ₹10,00,000 or as per latest applicable rules. |
| Objects of Company | The main object in MOA must be to cultivate the habit of thrift and savings among members and to lend or borrow money from members only. |
| Resident Director | At least one director must be a resident in India as per Companies Act provisions. |
Key Regulatory Conditions for Nidhi Companies
Nidhi Companies are subject to specific restrictions and conditions under the Nidhi Rules, 2014. Some of the important operational conditions are:
| Area | Condition |
|---|---|
| Membership | Company can accept deposits and grant loans only to its members. Bodies corporate and trusts generally cannot be members. |
| Business Activities | Cannot engage in chit fund, hire purchase, leasing finance, insurance or securities trading and cannot issue preference shares or debentures. |
| Deposits & Loans | Must comply with prescribed deposit limits and loan-to-deposit ratios and lend against permitted securities (e.g., gold, property, deposits). |
| Branches | Branches can be opened subject to conditions such as profitability and prior compliance with Nidhi Rules for a specified number of years. |
| Use of Name | Company must use the words “Nidhi Limited” in its name and on its letterheads, signboards and official publications. |
Documents Required for Nidhi Company Registration
- KYC of Directors & Shareholders: PAN, Aadhaar, passport (for foreign nationals), and recent address proof (bank statement / utility bill).
- Photographs: Passport-size photos of all proposed directors and shareholders.
- Registered Office Proof: Latest electricity bill / water bill / property tax receipt for the office address.
- Rent Agreement & NOC: If the premises are rented, a valid rent agreement and No-Objection Certificate from the owner.
- Draft MOA & AOA: Memorandum and Articles of Association with the main object of carrying on Nidhi business and restrictions as per Nidhi Rules.
- Declaration & Consents: Declarations from directors, consent to act as director, and details required in SPICe+ forms.
- Contact Details: Active email ID and mobile number of the main contact person for MCA communication and OTPs.
Nidhi Company Registration Process 2026 – Step by Step
- Obtain Digital Signature Certificates (DSC): DSCs are required for all proposed directors to sign incorporation e-forms.
- Apply for Director Identification Number (DIN): DIN is allotted for each director, usually through the SPICe+ form.
- Name Reservation: Apply for a unique name ending with “Nidhi Limited” through the RUN service or SPICe+ Part A.
- Draft MOA & AOA: Draft Memorandum and Articles of Association clearly specifying Nidhi objectives, membership rules and lending/borrowing framework.
- File SPICe+ Form: Fill SPICe+ Part B with details of directors, shareholders, capital structure, registered office and attach required documents.
- Apply for PAN & TAN: PAN and TAN are normally applied along with the incorporation form itself.
- Verification by ROC: The Registrar of Companies examines the incorporation application and may ask for clarifications or additional documents.
- Certificate of Incorporation: Once approved, you receive the Certificate of Incorporation with Company Identification Number (CIN), along with PAN & TAN.
- Post-Incorporation Nidhi Compliance: Within the prescribed time, ensure compliance with Nidhi Rules such as minimum members, net owned funds and filing of required returns (e.g., NDH forms as applicable).
- Start Operations: Open bank account, accept deposits from members, advance loans as per rules and maintain proper accounts and statutory records.
Nidhi Company Registration – Govt. Fees & Professional Charges
The cost of forming a Nidhi Company depends on authorised share capital, state of registration and professional service charges. Below is an indicative breakup:
| Cost Component | Details (Approx.) |
|---|---|
| ROC Filing Fees & Stamp Duty | Varies as per authorised share capital slab and state-specific stamp duty on MOA, AOA and incorporation documents. |
| Name Reservation & PAN/TAN | Standard MCA fees for name reservation, SPICe+ filing and integrated PAN/TAN allotment. |
| Professional / Consultancy Charges | Depends on scope of services – drafting, document preparation, filing, follow-up, post-incorporation Nidhi compliance and advisory. |
*For an exact quotation based on your capital, number of directors and state of incorporation, it is advisable to consult a professional or compliance expert.
Why Choose Us
From registration to annual compliance, we simplify every step with expert guidance, transparent pricing and on-time delivery tailored to your organisation.
Pan-India Service
We assist NGOs, startups and companies across India with fully online documentation and support – no need to visit any office.
Experienced CA / CS Team
Your work is handled by qualified professionals who understand regulations, funding requirements and ground-level challenges.
Fast & Transparent Process
Clear timelines, document checklists and regular updates – so you always know the exact status of your application.
Long-Term Compliance Support
Beyond registration, we help with 12A, 80G, FCRA, GST and annual filings, keeping your organisation compliant year after year.
Nidhi Company Registration – FAQs
Common questions about Nidhi Company formation, RBI rules, capital & compliance requirements.