Nidhi Company Registration in Delhi NCR – Requirements & Process (2025)

Setting up a Nidhi Company in Delhi NCR is one of the most preferred options for entrepreneurs who want to start a small-scale lending and savings business. Nidhi Companies operate under the Companies Act, 2013, and are governed by the Ministry of Corporate Affairs (MCA). These companies promote a culture of savings by accepting deposits and lending to members only.

If you want to start a loan and deposit business in Delhi, Noida, Gurugram, Faridabad, or Ghaziabad, then Nidhi Company Registration is one of the easiest and most affordable options.

What is a Nidhi Company?

A Nidhi Company is a type of NBFC (Non-Banking Financial Company) that functions for the mutual benefit of its members.

It can:

● Accept deposits from members

● Provide loans to members

● Encourage savings and thrift habits

But it cannot deal with the public or perform commercial banking activities.

Why Start a Nidhi Company in Delhi NCR?

Delhi NCR is a high-demand zone for local lending and deposit-based business models because of:

➔ Fast-growing urban population

➔ High demand for small loans

➔ Easy customer acquisition

➔ Strong business infrastructure

➔ Availability of young entrepreneurs

Cities like Delhi, Noida, Gurugram, Ghaziabad, and Faridabad are perfect locations to launch a Nidhi Company due to better compliance awareness and large user base.

Eligibility for Nidhi Company Registration in Delhi NCR

To register a Nidhi Company, you must meet these MCA requirements:

Basic Requirements

• Minimum 3 Directors

• Minimum 7 Members

• Minimum ₹10 lakh paid-up capital

• The company name must end with “Nidhi Limited”

Post-Incorporation Requirements (Within 1 Year)

According to Nidhi Rules, 2014, within 12 months of registration, your Nidhi Company must:

‣ Have minimum 200 members

‣ Maintain Net Owned Fund (NOF) of ₹10 lakh

‣ Maintain 1:20 debt-to-equity ratio

‣ Ensure unencumbered deposits ≥ 10% of outstanding deposits

Documents Required for Nidhi Company Registration in Delhi NCR

Documents of Directors & Members

→ PAN card

→ Aadhaar card

→ Passport-size photos

→ Email ID & mobile number

→ Address proof (Bank statement/utility bill)

Registered Office Documents

→ Rent agreement (if rented)

→ Electricity or water bill

→ NOC from the property owner

Company Documentation

→ MOA & AOA (indicating Nidhi objectives)

→ DIR-2 (Consent of directors)

→ INC-9 (Declaration)

Step-by-Step Process for Nidhi Company Registration in Delhi NCR

↔ Digital Signature Certificate (DSC) – All directors must have a DSC.

↔ Director Identification Number (DIN) – Allotted during incorporation.

↔ Name Approval (RUN or SPICe+) – Unique name ending with “Nidhi Limited” (e.g., ABC Nidhi Limited).

↔ Filing SPICe+ Form – Upload MOA, AOA, director details, and registered office proof.

↔ Certificate of Incorporation (COI) – MCA issues COI, PAN, and TAN.

↔ Opening Bank Account – Required immediately after COI.

↔ Starting Operations & Compliance – Add 200 members within 12 months, maintain ₹10 lakh NOF, file annual returns, maintain statutory records.

Business Activities Allowed for Nidhi Companies

Allowed

‣ Accepting Fixed Deposits

‣ Accepting Recurring Deposits

‣ Accepting Savings Deposits

‣ Providing loans to members

‣ Minimal interest lending

Not Allowed

‣ Running chit funds

‣ Microfinance activities

‣ Issuing debentures

‣ Advertising deposits

‣ Trading in securities or investments

Timeline for Nidhi Company Registration in Delhi NCR (2025)

Cost of Nidhi Company Registration in Delhi NCR

The total cost depends on government fees, documentation, and professional services.

Approximate Cost in Delhi NCR

Government fees: ₹12,000 – ₹15,000

Professional fees: ₹20,000 – ₹40,000

Total estimated cost: ₹35,000 – ₹55,000

NOTE : (Prices vary depending on the number of directors and additional services.)

Why is Nidhi Company Registration Popular in Delhi NCR?

– Easy and affordable incorporation

– Low regulatory burden compared to NBFCs

– High trust among members

– Perfect for local loan business

– High scope in Delhi NCR’s growing population

How PSR Compliance Can Help You Register a Nidhi Company

PSR Compliance is one of the leading consultants for Company Registration in Delhi NCR, trusted by startups and businesses across India.

We Provide:

✓ Complete Nidhi Company setup

✓ Documentation & name approval

✓ Digital signatures for all directors

✓ End-to-end SPICe+ filing

✓ MOA & AOA drafting

✓ Post-registration compliances

✓ Annual return filing

✓ Dedicated compliance manager

Why Choose PSR Compliance?

➤ 10+ years of compliance experience

➤ Fastest processing in Delhi NCR

➤ 100% error-free documentation

➤ Affordable pricing

➤ Smooth end-to-end service

FAQs on Nidhi Company Registration in Delhi NCR

Q1. What is a Nidhi Company in India?

A Nidhi Company is a non-banking finance entity that promotes savings and lending among its members.

Q2. Is Nidhi Company registration allowed in Delhi NCR?

Yes, Nidhi Company registration is fully allowed and processed under MCA for all Delhi NCR cities.

Q3. How long does it take to register a Nidhi Company?

The average Nidhi Company registration timeline is 15–25 working days.

Q4. What is the minimum capital required for Nidhi Company registration?

The minimum capital required is ₹10 lakh, as per MCA norms.

Q5. Can PSR Compliance help with Nidhi Company registration?

Yes, PSR Compliance manages complete documentation, MCA filing, and end-to-end registration support.