What Is Meaning Of Nidhi?

Are you curious to know what is meaning of nidhi? You have come to the right place as I am going to tell you everything about meaning of nidhi in a very simple explanation. Without further discussion let’s begin to know what is meaning of nidhi?

In India, the term “Nidhi” holds a special significance in the realm of finance and mutual benefit societies. Nidhi, also known as Nidhi Company, is a type of non-banking financial institution that operates on the principles of mutual benefit and financial prosperity for its members. These companies are unique in their structure and purpose, aiming to promote thrift, savings, and lending among their members. In this blog, we will explore the meaning and characteristics of Nidhi, their formation, and how they contribute to the financial well-being of their members.

What Is Meaning Of Nidhi?

The word “Nidhi” in Sanskrit translates to “treasure” or “fund.” In the context of financial institutions, a Nidhi Company is a mutual benefit society that operates primarily for the welfare of its members. These companies encourage savings and facilitate small loans among their members, promoting financial inclusion and community empowerment.

Characteristics Of Nidhi Companies:

  1. Membership: Nidhi Companies have a membership-based structure, where individuals become members by purchasing shares of the company. These members are both shareholders and depositors in the Nidhi.
  2. Core Activities: The primary activities of a Nidhi Company are to encourage thrift, receive deposits from members, and provide loans to its members. These loans are typically smaller in amount and are primarily aimed at meeting the personal or business needs of the members.
  3. Limited Operations: Nidhi Companies operate within a limited area, usually confined to a particular district or region. They cannot engage in activities that require a wide network of branches like traditional banks.
  4. Not for Profit: Nidhi Companies are formed as mutual benefit societies and operate on a not-for-profit basis. Their main objective is to promote financial discipline, encourage savings, and provide financial support to their members.

Formation Of Nidhi Companies:

The formation and operation of Nidhi Companies are governed by the Companies Act, 2013, and the Nidhi Rules, 2014, issued by the Ministry of Corporate Affairs in India. To register as a Nidhi Company, certain requirements must be met:

  1. Minimum Number of Members: A minimum of 200 members is required to form a Nidhi Company.
  2. Minimum Net Owned Funds: The minimum net owned funds (NOF) should be Rs. 10 lakhs or more at the time of incorporation.
  3. Nidhi in the Name: The name of the company must include the term “Nidhi Limited” as part of its name.
  4. Objectives: The primary objectives of the company must be to cultivate the habit of thrift, savings, and provide loans to its members.

Financial Inclusion And Empowerment:

Nidhi Companies play a significant role in promoting financial inclusion, especially in smaller towns and rural areas where traditional banking services may be limited. They provide a platform for members to cultivate the habit of savings and avail themselves of credit facilities for personal or business purposes. By empowering their members economically, Nidhi Companies contribute to the overall financial well-being of the community.


In the world of finance, Nidhi Companies stand as unique and socially responsible institutions, fostering financial discipline, savings, and lending among their members. By providing a platform for mutual benefit and financial empowerment, Nidhi Companies play a crucial role in promoting financial inclusion and community prosperity. As they continue to uphold the principles of thrift and cooperative growth, Nidhi Companies remain an essential part of India’s financial landscape, touching the lives of countless individuals and contributing to their financial success.


What Does Nidhi Name Meaning?

Nidhi – Brilliant; To Bestow; Treasure; Wealth. Gender: Girl. Numerology: 8.

What Does Nidhi Mean God?

In the context of Hindu scriptures, “Nidhi” is a treasure, constituted of nine treasures (nawanidhi) belonging to Kubera (also spelt as Kuvera), the god of wealth. According to the tradition, each nidhi is personified as having a guardian spirit, and some tantrikas worship them.

Where Is The Name Nidhi From?

Nidhi is a Sanskrit feminine given name and a Thai masculine given name that may refer to the following notable people: Nidhhi Agerwal, Indian actress and dancer. Nidhi Bisht (born 1985), Indian casting director filmmaker, lawyer, actress and writer.

Is Nidhi A Good Name?

Nidhi is a name that represents a tendency to exhibit extremes in terms of material success. You are either possessing a great deal of good fortune or none at all. It is your birthright to rule an enterprise – that is, if you are up to the challenge. Balance and power are the two words that describe you.

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