Mutual benefit · SPICe+ · NDH-4

Nidhi Company Registration Online in India

A public company that accepts deposits from and lends only to its members. Built for community savings and lending groups.

Company typePublic limited
To incorporate7 members, 3 directors
Within 120 days200 members, ₹20 lakh net owned funds
ApprovalNDH-4 from Central Government
  • Name reservation with 'Nidhi Limited'
  • DSC and DIN for 3 directors
  • MOA and AOA drafting to Nidhi Rules
  • Certificate of Incorporation
  • PAN and TAN
  • NDH-4 declaration support
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300+ foundersCA & CS teamNo hidden charges

Overview

Who this is for

  • Community savings groups
  • Mutual benefit societies formalising their operations
  • Promoters running member-based lending

Regulated trust

A registered structure members can rely on.

Mutual benefit

Deposits and loans stay within the membership.

No RBI licence

Nidhis operate under MCA's Nidhi Rules rather than as NBFCs.

What's included

Everything we handle for you

  • Name reservation with 'Nidhi Limited'
  • DSC and DIN for 3 directors
  • MOA and AOA drafting to Nidhi Rules
  • Certificate of Incorporation
  • PAN and TAN
  • NDH-4 declaration support
  • Member onboarding guidance

Documents

What you'll need

Scans or clear phone photos are fine. We check everything before filing.

Each director / member

  • PAN card
  • Aadhaar card
  • Passport-size photo
  • Address proof

Registered office

  • Utility bill (last 2 months)
  • Rent agreement or owner's NOC

Capital

  • Proof of share capital to be subscribed

Process

How it moves, step by step

  1. Week 1Structure

    Confirm members, directors and capital against the Nidhi Rules.

  2. Week 1Signatures and name

    DSCs for directors and name approval.

  3. Week 2Incorporation

    SPICe+ filing with Nidhi-compliant MOA and AOA.

  4. Within 120 daysMembers and funds

    Reach 200 members and ₹20 lakh net owned funds.

  5. Within 120 daysNDH-4

    File for Central Government declaration; start Nidhi business only after approval.

Common mistakes we help you avoid

Lending to non-members, which isn't permitted
Missing the 120-day NDH-4 deadline
Starting deposits or loans before NDH-4 approval
Not maintaining the required net owned funds

What comes next

What stays on your calendar

  • Half-yearly
    NDH-3 return
  • Yearly
    AOC-4, MGT-7 and income tax return
  • Ongoing
    Maintain member, deposit and capital ratios under the Nidhi Rules

Let us run the calendar

A compliance retainer covers these filings with WhatsApp reminders before every due date.

See your dates in the compliance calendar →

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Reviews

Trusted by 300+ founders

Founders come to us for company incorporation, trademark registration and annual compliance, and stay for the support.

All reviews
ExcellentTrustScore 4.3 out of 5, onTrustpilot (opens in new tab)

Excellent Service Provider

Excellent Service Provider, Quick response,Mr Sai Nagesh is giving prompt response and timely coordination. Really i am so satisfied with Arambh Services.
D
Dr.K RAJ KUMARIndia · Oct 2026
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We are very happy with the services…

We are very happy with the services provided by AARAMBH Agency. They helped us register our Private Limited Company within a short time and guided us at every step. Their charges are also very reasonable compared to other agencies. As we were new to this, they explained everything clearly and supported us throughout the process. Even after registration, they are still in touch with us and guiding us whenever needed. We really appreciate their support, professionalism, and friendly approach. Highly recommended for anyone planning to start a company 😊🤝
K
KANNAMANI HR CONSULTANTSIndia · Oct 2026
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FAQ

Nidhi questions

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All FAQs
Can a Nidhi accept deposits from the public?

No. Only from its members.

How many members are needed?

At least 7 to incorporate. Within 120 days you need 200 members and ₹20 lakh net owned funds, and must file NDH-4 for Central Government approval.

Start today

Start your Nidhi today

Structure, documents, timeline and your state-specific fee, in one conversation.

300+ foundersCA & CS teamNo hidden charges