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

Last updated 26 September 2026

How much does Nidhi company registration cost in total?

The out-of-pocket cost of registering a Nidhi company is the professional fee, plus state stamp duty, plus any MCA fee that applies to your authorised capital. Shunya's professional fee is ₹1,999. The DSC issuer's charge, government fees, stamp duty and other third-party or statutory costs are billed separately, and your CA walks you through them on your callback.

Take Kavitha, who leads a 40-member community savings group in a small town, as an illustration. She wants to turn the group into a proper Nidhi company so members can save and borrow within a legal framework. She hears three different "costs" from three people: a small filing figure, a "₹10 lakh" figure and a "₹20 lakh" figure. All three are true, but they are different things. Only the first is a cost of registering.

So before you compare any quote, separate the fee (money that leaves your pocket for good) from the capital (money that stays in your company). This guide does exactly that, and it points out which numbers we deliberately leave general because they change by state or are not confirmed.

What are the components of the Nidhi registration fee?

A Nidhi company registration has five cost components: the professional fee, the MCA fee, name reservation, state stamp duty and the digital signature. Each goes to a different party, which is why one blended "total" from a provider can hide more than it shows.

The professional fee covers the CA's work. It does not cover the government, state or third-party lines. For the general picture across structures, see our guide to company registration cost in India.

Is the ₹10 lakh paid-up capital or ₹20 lakh NOF a registration fee?

No. The ₹10 lakh minimum paid-up equity capital and the ₹20 lakh minimum Net Owned Funds (NOF) are capital requirements under the Nidhi Rules, not fees. Nobody charges them to you. Your members subscribe to shares, the money sits in the company's bank account, and you can use it for the company's permitted business.

Paid-up capital is what members have actually paid for their shares. The Nidhi Rules, as amended in 2022, set the minimum at ₹10 lakh (the older figure of ₹5 lakh you may still see on blogs is stale).

Net Owned Funds (NOF) is, broadly, your paid-up equity plus free reserves, less accumulated losses and intangible assets. The rules require at least ₹20 lakh, and the money raised from preference shares does not count towards it. Your CA computes NOF from your books.

Here is the practical point. A company applying for Nidhi status needs 200 members and ₹20 lakh NOF in place by the time it files Form NDH-4, which for companies incorporated on or after 19 April 2022 is within 120 days of incorporation. So budget for the capital your members must bring in, and do not confuse it with what you pay professionals. Details are in our guide to Nidhi company requirements: members and Net Owned Funds.

How much are the MCA fee and stamp duty for a Nidhi company?

As of September 2026, the MCA incorporation fee on SPICe+ (Simplified Proforma for Incorporating Company Electronically Plus) is nil if authorised capital is up to ₹15 lakh. Because a Nidhi needs ₹10 lakh paid-up now and ₹20 lakh NOF within 120 days, your authorised capital may end up above ₹15 lakh. In that case fee slabs apply, and your CA confirms the exact amount for your figure before filing.

There is a trap here worth knowing. Raising authorised capital later needs Form SH-7, and a company that has not complied with the NDH-4 rule cannot file SH-7 or PAS-3 (return of allotment). So it is usually cheaper and simpler to fix a sensible authorised capital at the start than to fix it later.

Stamp duty on the electronic Memorandum and Articles of Association is a state subject. It differs from state to state, so we do not print a number here. Your CA confirms the figure for your state before you pay. If you want a state-level view of the general costs, our state guides such as company registration cost in Tamil Nadu show how the components add up.

What does the NDH-4 declaration cost?

The government fee for Form NDH-4, the application to be declared a Nidhi, is not something we can state with confidence. Various blogs quote a range, but we could not confirm it from an official source, so treat any figure you see as unverified and confirm the current fee on the MCA portal or with your CA before you plan your budget.

What matters more is scope. Shunya's Nidhi page describes the incorporation work: verifying documents, obtaining DSC and DIN, preparing SPICe+ with a Nidhi-compliant MOA and AOA, and filing it with the Registrar of Companies. The page does not list NDH-4 as part of that work. If you want CA support on NDH-4 as well, ask on the free callback so the scope and any extra cost are clear before you start.

Also remember that NDH-4 needs a fit-and-proper declaration from every promoter and director. You can read the full process in our guide to the Nidhi company NDH-4 declaration process.

What Nidhi costs come after registration?

After registration, a Nidhi company carries recurring costs that a "registration only" quote does not show. Budget for them from day one, because they decide whether the company stays in good standing.

• Statutory audit every year, and the auditor's certificate that the company has complied with the Nidhi Rules.
• Half-yearly return NDH-3, which must be certified by a practising company secretary, chartered accountant or cost accountant.
• Annual ROC filings such as AOC-4 and MGT-7, as for any public company. See Nidhi company annual compliance and returns.
• Unencumbered deposits: the rules require at least 10% of deposits outstanding to be held in unencumbered term deposits with a scheduled commercial bank or post office. This is locked money, not a fee, but it affects how much you can lend.

None of these are Shunya charges. They are statutory obligations of the company, and the professionals you appoint set their own fees.

Can you register a Nidhi company yourself to save the professional fee?

Yes, you can file SPICe+ yourself on the MCA portal, and the professional fee is the only line you would save. For a Nidhi, the risk is less about the form and more about the Nidhi-specific drafting: the objects clause and the rules on members-only deposits and lending have to fit the Nidhi Rules from the start, or you face amendments later.

DIY makes sense if you are comfortable with DSC, DIN, MOA and AOA drafting and MCA queries. Paying a CA makes sense if you want a practising Chartered Accountant to review the filing before it goes in and to handle any officer query. If a Nidhi is not the right fit, compare it with a private limited company or a Section 8 company before you spend anything.

To start, request a callback on the Nidhi page (free, name and phone) and a CA calls within the hour, or pay the professional fee online. You can also WhatsApp or call +91 80809 18797.

This article is for general information only. For your specific situation, consult a practicing CA.