About us

A mutual-benefit company for our members

Drishti Nidhi India Limited is a public limited company incorporated as a Nidhi under the Companies Act, 2013. We exist to encourage saving among our members and to help them meet their credit needs responsibly.

What is a Nidhi company?

A Nidhi is a company formed for cultivating the habit of thrift and savings among its members, receiving deposits from members and lending to them for their mutual benefit. Nidhi companies are declared under Section 406 of the Companies Act, 2013 and must follow the Nidhi Rules, 2014 issued by the Ministry of Corporate Affairs.

Because only members can deposit with or borrow from a Nidhi, the institution stays close to the community it serves. Lending is restricted to secured loans against gold, property and deposits, and the rules cap the interest that can be charged.

Our vision

To be the most trusted savings and credit partner for families and small businesses in our community.

Our mission

To encourage disciplined saving, offer fair and transparent secured credit, and treat every member with honesty and respect.