Nidhi Company Registration in Delhi – Complete Guide (2025)

A Nidhi Company is a type of Non-Banking Financial Company (NBFC) recognized under the Companies Act, 2013. It is formed with the objective of cultivating the habit of thrift and savings among its members and providing loans only to its members.

If you're planning to create a community-based finance entity in Delhi, a Nidhi Company is a smart, low-risk, and compliant way to begin.

Why Start a Nidhi Company in Delhi?

 Favorable business environment and access to legal consultants
 Fast communication with regional RoC & RD office
 Easy access to professionals for audits and compliance
 Large and financially aware population base
 Well-developed digital and banking infrastructure

What is a Nidhi Company?

A Nidhi Company is formed under Section 406 of the Companies Act, 2013 and governed by the Nidhi Rules, 2014. Its core function is to:

• Encourage saving among members

• Accept deposits from and lend money to its members

• Function like a mutual benefit society — by the members, for the members

It does not require RBI approval, unlike other NBFCs.

Basic Requirements for Nidhi Company Formation

• Minimum 7 shareholders and 3 directors

• All members must be individuals (no company or firm as a member)

• Minimum capital requirement is ₹10 lakhs

• The name must end with “Nidhi Limited”

• The company must have a registered office address in Delhi

Documents Required for Registration

For Directors and Shareholders:

• PAN Card and Aadhaar Card

• Address proof (Voter ID / Passport / Driving License)

• Passport-size photograph

• Email ID and mobile number

For Registered Office:

• Rent Agreement or ownership proof

• Electricity bill or utility bill (not older than 2 months)

• NOC from the owner (if rented)

What We Offer at YKG Global

At YKG Global, we provide end-to-end support for Nidhi Company Registration, including:

 Name reservation with MCA
 Drafting of MOA & AOA
 Filing of SPICe+ Forms
 Obtaining DIN & DSC for all directors
 PAN, TAN, and Company Incorporation Certificate
 Support in post-registration compliances under Nidhi Rules, 2014
 Expert advice on member enrollment and loan/deposit rules

Post-Incorporation Compliances

Within 1 year of incorporation, the company must:

• Enroll at least 200 members

• Maintain Net Owned Funds of at least ₹10 lakh

• Maintain a ratio of Net Owned Funds to deposits not more than 1:20

• File NDH-1, NDH-2, and NDH-3 with RoC as applicable

• Appoint an auditor and conduct annual filing

FAQs – Nidhi Company in Delhi

Q1. Is RBI approval required for Nidhi Company?
No, Nidhi Companies are exempt from RBI licensing, but must follow Nidhi Rules, 2014.

Q2. Who can invest or take a loan from a Nidhi Company?
Only registered members of the company.

Q3. Can a Nidhi Company operate branches?
Yes, after fulfilling certain conditions and after 3 years of profitability.

Q4. What is the timeline for registration?
Usually 15–25 working days, depending on document readiness and MCA processing.

Why Choose YKG Global?

 40+ years of experience in company registration and NBFC compliance
 5,000+ global clients across financial and legal domains
 In-depth understanding of Nidhi Rules and ROC Delhi protocols
 Transparent pricing and full post-incorporation guidance
 Personalized assistance with every step of the process

Ready to Register Your Nidhi Company?

Let us help you build your financial community with ease and compliance.

📧 Email: Rishi@ykgglobal.com
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