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Nidhi company
Members se deposit, members ko loan
- Company incorporation
- Nidhi ke hisaab se MoA, AoA
- 200 members aur NOF ki planning
- NDH-4 filing
₹34,999 se shuru + GST
Government fee aur stamp duty alag
NBFC · Nidhi · Microfinance · Credit society
NBFC, Nidhi company, Section 8 microfinance ya credit co-operative, har ek ka capital, regulator aur rules alag hain. Hum aapke plan ke hisaab se sahi structure batate hain, phir registration aur saal bhar ka compliance.
Kaam mein kya shamil hai
Fees
Saari fees "se shuru" aur + GST hain. Government fee, stamp duty aur capital requirement alag. Final fee scope dekh kar pehle likhit mein.
Members se deposit, members ko loan
₹34,999 se shuru + GST
Government fee aur stamp duty alag
Har saal ka kaam
₹29,999 per saal se shuru + GST
Members aur branches ke hisaab se
Non-profit, chhote loans
₹39,999 se shuru + GST
Government fee alag
RBI Certificate of Registration
₹1,49,999 se shuru + GST
NBFC ke type ke hisaab se
RBI returns aur ROC
₹59,999 per saal se shuru + GST
NBFC ke layer aur size ke hisaab se
Members ke liye credit / thrift
₹29,999 se shuru + GST
Government fee aur state ke hisaab se
Is page par di gayi jaankari general information hai, professional advice nahi. Positions facts aur us waqt ke law par depend karti hain — apne case ke liye humse baat kar lijiye.
₹10 crore capital ke bina NBFC nahi ban sakta. Hum aapke capital aur plan ke hisaab se seedha sahi option batate hain, taaki paisa aur time bekar na jaye.
Nidhi aur NBFC mein galti ka matlab penalty ya license par khatra. Returns, audit aur policies hum saal bhar sambhalte hain.
Scope
Capital aur business ke hisaab se aam choice.
NBFC (ICC) registration with RBI.
Nidhi company, ₹10 lakh capital se shuru.
Section 8 microfinance company.
State ya multi-state credit co-operative.
RBI approval ke saath takeover (company takeover page dekhiye).
Pending returns aur compliance ka clean-up.
Kanoon kya kehta hai
Ye basic rules pehle samajh lijiye. Details latest notification ke hisaab se check karte hain.
Naye NBFC ke liye minimum net owned fund ₹10 crore. RBI ka Certificate of Registration ke bina lending business nahi.
Sirf members se deposit aur members ko loan. NDH-4 declaration, 200 members aur ₹20 lakh NOF ki shartein.
Non-profit microfinance. Deposit nahi le sakti; RBI exemption tabhi jab loan limits aur baaki shartein poori hon.
| Structure | Regulator | Capital (shuru mein) | Deposit le sakte hain? |
|---|---|---|---|
| NBFC (ICC) | RBI | ₹10 crore NOF | Nahi (naye NBFC) |
| Nidhi company | MCA | ₹10 lakh paid-up, phir ₹20 lakh NOF | Sirf members se |
| Section 8 microfinance | MCA | Koi fixed minimum nahi | Nahi |
| Credit co-operative | State / Central Registrar | Bye-laws ke hisaab se | Sirf members se |
Ye baatein pehle se jaan lijiye
Bina registration ke public se paisa lena ya lending business chalana gambhir kanooni problem hai.
Tay samay mein 200 members aur NOF na hone par NDH-4 reject ho sakta hai.
Capital aur plan ke hisaab se galat form chunne par baad mein badalna mehenga padta hai.
CGA ka process
Aap kya karna chahte hain, kitna capital aur kahan. Sahi structure ki salah.
Business plan, projections, MoA/bye-laws aur promoter documents.
MCA, RBI ya Registrar ke paas application aur queries ka jawab.
Returns, audit coordination, policies aur reminders.
Documents
Ye list taiyar rakhiye. Photo ya scan WhatsApp par bhej dijiye — original sirf zaroorat par. Case ke hisaab se list thodi badal sakti hai.
Zaroori
Saari fees "se shuru" aur + GST hain. Government fee, stamp duty aur capital requirement alag.
License, declaration ya registration RBI, MCA ya Registrar ka faisla hai. CGA documents aur process ki zimmedari leta hai, approval ki guarantee nahi.
Capital aur limits latest notification ke hisaab se badal sakti hain. Final eligibility application se pehle check karte hain.
RBI ke scale based regulation ke hisaab se naya NBFC shuru karne ke liye minimum net owned fund ₹10 crore hai. Isliye chhote lending business ke liye Nidhi, Section 8 microfinance ya credit co-operative aksar zyada practical hote hain.
Nidhi company members se deposit leti hai aur sirf members ko loan deti hai. Ye MCA ke Nidhi Rules ke under chalti hai, RBI license nahi chahiye, lekin Central Government ka declaration (NDH-4) zaroori hai.
Nidhi Rules ke hisaab se incorporation ke baad tay samay mein kam se kam 200 members aur ₹20 lakh net owned fund hona chahiye, aur NDH-4 file karna hota hai. Hum incorporation se pehle hi ye plan karte hain.
Ye non-profit company chhote business aur housing loans de sakti hai. Deposit nahi le sakti. RBI ki exemption kuch shartein poori karne par hi milti hai, jaise loan ki limit aur profit na baantna.
Credit co-operative state ya multi-state co-operative act mein register hoti hai aur Registrar ke under chalti hai. Nidhi company Companies Act mein hoti hai. Dono members ke saath hi kaam karte hain.
License dena RBI ka faisla hai. Hum eligibility, business plan, documents aur application ki zimmedari lete hain aur RBI ki queries ka jawab dene mein madad karte hain.
Aur bhi
Capital, state aur aap kya karna chahte hain, bataiye. Hum sahi structure aur poora kharcha ek message mein bata denge.