about us

Building the Finest Quality Bank.

Customers

Banking Outlets

Employees

Deposit Accounts

Corporate solutions for your business.

Worldwide banking has changed quickly and NIDHI has endeavored to adjust to these changes. The bank anticipates the future with fervor and a guarantee to carry more prominent advantages to our individuals.NIDHI, with long periods of hard work to the Country through dynamic monetary cooperation in all portions of the economy - Banking, Industry, Exchange and Trade, Administration Area, Foundation Area and so forth.

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services

we offer Banking Software with MicroFinance for your personal and professional banking needs.

Banking Solutions For Your Everyday Requirements.

Nidhi Software is a particular software solution used by Nidhi companies, which are non-banking monetary establishments that work in India. These organizations are basically common advantage social orders that acknowledge stores from individuals and give credits and other financial services to their individuals.

Savings Management

A module that allows customers to open and manage savings accounts.

Loan Management

It includes features such as credit scoring, collateral management, and repayment tracking.

Deposit Management

With the RD,FD,DD,MIS options, you can easily manage daily, weekly, and monthly deposit plans and RD -FD Accounts .

Analytics & Reporting

It includes features such as dashboard reporting, data visualization, and predictive analytics.

Payment Processing

It includes features such as payment gateways, transaction processing, and fraud prevention.

Security & Compliance

It includes features such as access control, data encryption, and regulatory reporting.

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Ensuring there's a high level of customer service.

Primary goal is to empower and manage the cost of all offices for developing frugality,saving propensities and to deliver all monetary help to its part simply by getting long and transient stores and specifically repeating,fixed and different stores, not being current records from the individuals as are permitted by regulation for Common Advantages Organizations, and to concede credits to the individuals just as against protections of relentless properties (inside City) as well as on the security of stores, versatile, for example, gold, silver, gems, Kisan Vikas Patra, Public Saving Testaments Plan, insurance contracts and other Government protections up on such conditions and condition as may occasionally endorsed in regulation for Nidhi or Shared Advantages Organizations.

  • Payment Processing

    It includes features such as payment gateways, transaction processing, and fraud prevention.

  • RD-FD Management

    With the RD-FD options, you can easily manage daily, weekly, and monthly deposit plans and RD -FDAccounts .

  • Analytics & Reporting

    It includes features such as dashboard reporting, data visualization, and predictive analytics.

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FAQ

Do we need to come to the bank branch for availing disbursements?

No, with our software, disbursements can be conveniently availed online or through designated agents, ensuring hassle-free transactions.

Can we open a Savings Account (SB) with the bank?

Yes, our software facilitates opening Savings Accounts (SB) seamlessly, providing customers with a range of banking services.

Do we need to come to the bank branch for availing disbursements?

No, our software enables easy access to disbursements without the need for physical visits to the bank branch, offering convenience to users.

Can we open an SB account, in case we don't want to borrow?

Absolutely, our software allows customers to open Savings Accounts (SB) without any obligation to borrow, providing flexibility in banking options.

How will the bank decide my home loan eligibility?

Our software employs advanced algorithms to assess various factors such as income, credit history, and repayment capacity to determine your home loan eligibility accurately.

What is the minimum and maximum age to apply for a home loan?

The minimum and maximum age to apply for a home loan may vary depending on regulatory requirements and bank policies.

How much time does the bank require to process the loan?

The processing time for loans varies depending on factors such as documentation, verification, and internal processes. However, our software streamlines the loan processing workflow to minimize turnaround time and enhance efficiency.

What is the minimum and maximum loan one can borrow?

The minimum and maximum loan amounts depend on factors such as income, creditworthiness, and the value of the collateral. Our software provides flexible options tailored to individual needs within regulatory limits.

Is it mandatory to have a good credit score to apply for a loan?

While a good credit score can enhance your chances of loan approval, our software considers various factors beyond just credit history to assess eligibility. We prioritize financial inclusion and offer options for individuals with limited or no credit history.

Can I track my loan application status online?

Yes, our software provides a user-friendly interface where borrowers can conveniently track their loan application status in real-time, ensuring transparency and reducing the need for manual follow-ups.

What collateral options are accepted for securing a loan?

Our software supports a wide range of collateral options, including property, gold, fixed deposits, and more, allowing borrowers to choose the most suitable security based on their preferences and assets.

Are there any prepayment charges for clearing the loan before the tenure?

Our software offers flexible repayment options, including the provision for prepayment without imposing any additional charges. Borrowers can repay their loans ahead of schedule without incurring penalties, empowering them to manage their finances efficiently.

Can I apply for a loan jointly with a co-applicant?

Yes, our software facilitates joint loan applications, enabling borrowers to include co-applicants such as family members or business partners to strengthen their loan eligibility and share the repayment responsibility.

What happens if I miss an EMI payment?

In case of a missed EMI payment, our software sends automated reminders to borrowers, allowing them to rectify the situation promptly. We understand the occasional financial challenges and offer flexible solutions to help borrowers manage their repayments effectively.

Is it possible to modify the loan tenure or EMI amount after loan disbursement?

Our software provides options for loan restructuring, allowing borrowers to adjust the loan tenure or EMI amount based on their changing financial circumstances. We prioritize customer satisfaction and aim to accommodate their evolving needs whenever possible.

Can I apply for a loan online, or do I need to visit a physical branch?

Our software offers the convenience of applying for loans online, eliminating the need for in-person visits to the branch. Borrowers can complete the entire application process from the comfort of their homes or offices.

How soon can I expect to receive the approved loan amount after application?

Once your loan application is approved, our software expedites the disbursal process, and you can expect to receive the funds in your account within a short timeframe, typically within a few working days.

Are there any hidden charges or processing fees associated with loan applications?

Transparency is paramount in our software, and we ensure that all charges and fees associated with loan processing are clearly communicated to borrowers upfront. There are no hidden charges, and borrowers can make informed decisions.

What happens if I face difficulties in repaying the loan due to unforeseen circumstances?

Our software prioritizes customer assistance and offers flexible repayment options to accommodate unforeseen circumstances. Borrowers facing financial difficulties can reach out to our customer support team for guidance and assistance.

Is it possible to top-up an existing loan if I need additional funds later?

Yes, our software supports loan top-up facilities, allowing borrowers with a good repayment track record to avail additional funds without the need for a separate application process, making borrowing more convenient.

Can I apply for multiple loans simultaneously using the same account?

While borrowers can apply for multiple loans, our software evaluates each application individually based on eligibility criteria and creditworthiness to ensure responsible lending practices and mitigate financial risks.

How secure is my personal and financial information within the software?

Security is a top priority for us, and our software employs robust encryption protocols and data protection measures to safeguard the confidentiality and integrity of user information, adhering to industry best practices and regulatory standards.

What happens if I want to close my loan before the completion of the tenure?

Our software facilitates hassle-free loan pre-closure, allowing borrowers to settle their outstanding dues before the completion of the tenure without any penalties, enabling them to save on interest costs.

Do you offer any financial planning or advisory services to help borrowers manage their finances better?

Yes, our software provides financial planning tools and advisory services to help borrowers make informed decisions about their finances, including budgeting, saving, and investment strategies, promoting financial literacy and empowerment.

Can I change my loan repayment schedule or switch between EMI and bullet payments during the tenure?

Our software offers flexibility in loan repayment schedules, allowing borrowers to customize their repayment preferences based on their cash flow requirements and financial goals, ensuring greater convenience and control.

Are there any eligibility criteria for becoming a member of the Nidhi/Microfinancing institution?

Yes, there are specific eligibility criteria for membership, which may vary depending on regulatory requirements and institutional policies. Our software ensures compliance with membership criteria while onboarding new members.

What documents are required for loan application processing?

Our software provides a comprehensive checklist of required documents for loan application processing, including identity proof, address proof, income documents, and collateral details, simplifying the documentation process for borrowers.

Is it possible to request a loan restructuring or modification if I encounter financial difficulties during the tenure?

Yes, borrowers facing financial difficulties can request loan restructuring or modification through our software, subject to approval based on individual circumstances and institutional policies, providing a lifeline during challenging times.

Does your software offer integration with external credit bureaus for credit scoring and risk assessment?

Yes, our software seamlessly integrates with leading credit bureaus to access credit reports and perform robust risk assessments, ensuring responsible lending practices and enhancing decision-making accuracy.

How can I access customer support or seek assistance regarding my loan or account-related queries?

Our software offers multiple channels for accessing customer support, including phone, email, and live chat, with dedicated support representatives available to address queries and resolve issues promptly, ensuring a seamless user experience.

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