Savings Account
A simple everyday account for members to save regularly and withdraw when needed.
- Open to members after KYC
- Aggregate balance up to ₹1,00,000 at any time
- Interest credited as per the rate notified to members
A Nidhi Company · Samastipur, Bihar · Since 2017
Savings and credit,
built on trust between members.
Drishti Nidhi India Limited helps its members cultivate the habit of thrift and saving, and supports them with secured loans when they need it, all within the mutual-benefit framework of a Nidhi company.
Member-owned
Every depositor and borrower is a shareholder. The money of members is used for the benefit of members.
Regulated framework
Incorporated under the Companies Act, 2013 and run as per the Nidhi Rules, 2014 of the Ministry of Corporate Affairs.
Secured lending
Loans are given only against gold, property or deposits, which keeps members' savings protected.
Local & personal
A neighbourhood institution where you speak to people who know you, not a call centre.
For our members
Deposits & secured loans
Savings & Deposits
Fixed Deposit
Park a lump sum for a fixed tenure and earn a known return on maturity.
- Tenure from 6 months to 60 months
- Choice of monthly, quarterly or cumulative interest
- Loan facility against the deposit
Recurring Deposit
Build savings with a fixed monthly instalment that suits your budget.
- Tenure from 12 months to 60 months
- Small monthly instalments
- Disciplined saving towards a goal
Loans
Gold Loan
Quick funds against gold or silver jewellery, with transparent valuation in your presence.
- Secured against gold, silver or jewellery
- Fast processing with minimal paperwork
- Ornaments kept in secure custody
Loan Against Property
Larger needs met against residential or commercial property owned by the member.
- Up to 50% of the property's assessed value
- Clear title and documentation required
- Repayment in easy instalments
Loan Against Deposits
Borrow against your own FD, NSC, KVP or life insurance policy without breaking it.
- Against Nidhi FD, NSC, KVP or LIC policies
- Lower documentation
- Keep your savings intact
Membership
Becoming a member takes four steps
- 01
Visit or contact us
Speak to our team at the office or reach us on phone or WhatsApp.
- 02
Complete KYC
Submit Aadhaar, PAN, photographs and address proof.
- 03
Get shares allotted
Subscribe to a minimum of 10 equity shares of ₹10 each.
- 04
Start using services
Open savings or deposit accounts, or apply for a secured loan.
Have a question?
Visit our office or send us a message. We're happy to help.