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Nidhi Company Registration

register a Nidhi company built for member savings.

A mutual-benefit structure regulated under the Companies Act and the Nidhi Rules — members-only borrowing and lending, a trusted format for community savings and credit groups. CA-assisted, filed on the MCA portal end-to-end.

limited liability — personal assets protected
simple, trusted structure for community-based savings & credit
regulated under the Companies Act & Nidhi Rules — clear compliance framework
no RBI NBFC license needed — member-only lending, not public

Not sure Nidhi is right? Compare Section 8 · Compare Private Limited

Share your founding member details — our CA verifies documents, prepares SPICe+ with Nidhi-compliant MOA/AOA, and files it with the Registrar of Companies.

Reviewed by

CA Rinky Vishwakarma

MCA & Company Law expert

₹1,999 ₹4,999 60% off

professional fee — Nidhi company registration

+ government fees & statutory costs billed separately — a CA confirms the full scope on your first call

100% CA certified

SPICe+ filed, Nidhi Rules compliant CA-reviewed before filing

Start your Nidhi registration

a CA will call you within the hour

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Need help? Call / WhatsApp +91 93269 18797

why groups choose Nidhi

the structure for community trust, member-only lending, and a clear regulatory framework.

Community Trust

a familiar, purpose-built format

Nidhi companies are a well-established, purpose-built format for community-based savings and credit — recognisable and trusted by the members who join them.

Members-Only Model

not open to the general public

Deposits and loans stay within the registered member base — a lower entry barrier than an NBFC, which needs an RBI license to deal with the public.

Regulated Framework

governed by the Nidhi Rules

Operating under the Companies Act and the Nidhi Rules gives your organisation a clear, well-understood compliance framework rather than an informal arrangement.

what you'll need

the basic eligibility and document requirements for Nidhi registration.

Minimum 3 directors and 7 members to incorporate — with further growth in membership and Net Owned Funds expected within a period set by the Nidhi Rules after incorporation. Our CA will confirm the exact current requirements for your case.
PAN & Aadhaar for every director and founding member, plus a passport-size photograph and a Digital Signature Certificate (DSC) — we help you obtain the DSC if you don't already have one.
Registered office proof — an electricity bill or rent agreement, with a no-objection letter from the owner if the property isn't owned by a director.
Nidhi-compliant MOA/AOA — drafted so your objects and lending structure align with the Nidhi Rules from the outset, avoiding compliance issues later.

how we get it done

four steps — from your founding members to a Certificate of Incorporation in your inbox.

share your details

Tell us your founding directors, members, and proposed name. We send a document checklist within the hour.

CA verifies & prepares

Our CA checks name availability, obtains DSC and DIN for directors, and prepares your SPICe+ filing with a Nidhi-compliant MOA/AOA.

filed on the MCA portal

SPICe+ is filed with AGILE-PRO-S for PAN and TAN. Any officer query is handled on your behalf.

certificate delivered

You receive your Certificate of Incorporation — ready to open a bank account and start building your compliance calendar under the Nidhi Rules.

your incorporation expert

every filing handled personally by a qualified Chartered Accountant.

Chartered Accountant

Meet Your Expert

CA Rinky Vishwakarma

MCA & Company Law Specialist

CA Rinky Vishwakarma is a practising Chartered Accountant with deep expertise in company law and MCA compliance. She personally reviews every Nidhi filing — verifying member documents, preparing Nidhi-compliant MOA/AOA, and resolving objections before filing with the Registrar of Companies.

Chartered Accountant MCA Compliance Company Law SPICe+ Filing

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common questions

What is a Nidhi company?

A Nidhi Company is a type of non-banking financial company registered under the Companies Act, 2013 and regulated by the Nidhi Rules, formed to cultivate the habit of savings and lending among its own members only. It cannot accept deposits from or lend to the general public — only registered members.

How is a Nidhi company different from an NBFC?

A Nidhi Company deals only with its own members and does not need an RBI NBFC license, unlike a regular NBFC which can deal with the public and is directly regulated by the RBI. A Nidhi Company is instead governed by the Companies Act and the Nidhi Rules, with its own compliance framework including periodic returns to the Registrar of Companies.

How many directors and members does a Nidhi company need?

A minimum of 3 directors and 7 members is the commonly cited starting point to incorporate a Nidhi company. There are also post-incorporation requirements around growing your membership base and maintaining minimum Net Owned Funds within a period set by the Nidhi Rules — our CA will walk you through the exact current requirements for your case.

Can a Nidhi company accept deposits from the general public?

No. A Nidhi Company can only accept deposits from and lend to its own registered members — this member-only restriction is the defining feature of the structure and is enforced under the Nidhi Rules.

How much does Nidhi company registration cost?

Shunya's professional fee is ₹1,999. Government fees, the DSC issuer's charge and other third-party costs are billed separately. Share your details with us and a CA will walk you through the full cost on your first call.

What compliance does a Nidhi company have after incorporation?

Nidhi Companies must meet ongoing requirements under the Nidhi Rules, including periodic returns (such as NDH-1 and NDH-3) to the Registrar of Companies, membership and Net Owned Fund thresholds within prescribed timelines, and restrictions on the kind of lending and deposit activity permitted. Our CA can guide you through the compliance calendar after incorporation.

register a Nidhi company built for member savings.

Start your Nidhi registration

why groups choose Nidhi

what you'll need

how we get it done

share your details

CA verifies & prepares

filed on the MCA portal

certificate delivered

your incorporation expert

CA Rinky Vishwakarma

before you register your Nidhi

Nidhi Company Registration Cost in India (2026): Fees, Capital and What You Actually Pay

Documents Required for Nidhi Company Registration (Incorporation and NDH-4 Checklist)

Nidhi Company Registration Process and Timeline: Incorporation, then the 120-Day Path to NDH-4

Nidhi Company Requirements (2026): Members, Net Owned Funds, Paid-Up Capital and Deposit Ratios

NDH-4 Declaration for a Nidhi Company: Deadline, Process and What Happens If You Miss It

Nidhi Company Registration at Shunya: What the {{FEE}} Professional Fee Covers and What It Does Not

common questions

ready to structure for your community?