Interest Rate: Starting from 10% per annum
Loan Amount: Up to ₹10 Lakhs
Tenure: 1 – 5 Years
Apply NowInterest Rate: Starting from 8.5% per annum
Loan Amount: Up to ₹50 Lakhs
Tenure: Up to 25 Years
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Loan Amount: Up to 75% of Gold Value
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Apply NowInterest Rate: Starting from 10% per annum
Loan Amount: Up to ₹25 Lakhs
Flexible EMI Options Available
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EVALUATE Nidhi Limited is a member-based financial institution in India formed to encourage savings and lend money among its members only. It accepts deposits from members and uses those funds to give loans back to members under specific rules. However, under the Nidhi Rules, 2014 and the Companies Act, a Nidhi Company is not allowed to provide unsecured personal loans simply based on income or credit worthiness like commercial banks or NBFCs. Instead, it can only give secured loans to its members, meaning the loan must be backed by collateral such as gold, property, fixed deposits, insurance policies, etc.
EVALUATE nidhi limited can provide loans only to its registered members, and such loans may be used by members for personal or business purposes. However, it does not provide open commercial business loans to the public like banks or NBFCs. Loans given by a Nidhi must be secured with collateral (such as gold, property, or financial securities) and are granted within prescribed limits based on the company’s deposit size.
EVALUATE nidhi limited generally does not provide formal “group loans” like microfinance institutions. Under the Nidhi Rules, it can grant loans only to its registered members, usually as individual secured loans backed by collateral such as gold, property, or deposits. However, if several members jointly apply the loan is still treated as a member-based loan, not a separate group-lending scheme.
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