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Your Trust, Our Commitment

Trust and Transparency in Every Step

Nidhi Capital Finance is a trusted Non-Banking Financial Company (NBFC) focused on providing accessible and reliable personal loan solutions. We understand that financial needs can arise at any point in life, and our goal is to offer lending options that are flexible, transparent, and tailored to individual circumstances.

With a customer-first approach and a commitment to responsible lending, we aim to support our clients through a clear and professional process. Our team works diligently to maintain transparency at every step, ensuring that you feel informed and confident in your financial decisions.

At Nidhi Capital Finance, we believe in building long-term relationships based on trust, clarity, and service excellence.

  • Fully Digital Application.
  • Easy Process & Quick Disbursal .
  • No Collateral Needed.
Loan Image


Your Trusted Partner in Financial Assistance

Minimum Loan Amount: Rs 50,000

Maximum Loan Amount: Up To Rs 20,00,000

Minimum Interest Rate: 5.99% Per Annum

Maximum Interest Rate: 18% Per Annum

Minimum Repayment Tenure: 12 Months

Maximum Repayment Tenure: Up to 120 Months

Processing Fees: 2% Of The Loan Amount

EMI Bounce Charge: Rs 590/- Bounce Charge

No Pre-Closure Charges

Annual Interest Rate: Approx 18% P.a

Why Choose Nidhi Finance?

Flexible terms and reliable service

Eligibility & Criteria Required

To be eligible for a loan from Nidhi Finance, applicants must meet specific criteria depending on their employment type. We ensure responsible lending by providing loans only to individuals and businesses with the capacity to repay comfortably.

1
Salaried Individuals
  • Age: 21–60 years
  • Minimum ₹20,000 monthly income
  • At least 1 year of work experience
2
Self-Employed Professionals
  • Minimum age: 25 years
  • Stable business for 2+ years
  • Annual income: ₹2.5 Lakhs+
3
Business Owners
  • Minimum age: 25 years
  • 3+ years of business operation
  • Turnover: ₹5 Lakhs+/year

Documents Required List

To process your application quickly, please prepare the following documents based on your profile.

📋
Common for All
  • Passport-sized photo
  • Aadhaar/PAN/Passport (ID Proof)
  • Address Proof (Bill/Rent/Passport)
  • Last 6 months’ bank statement
💼
Salaried Individuals
  • 3-month salary slips
  • Form 16 / ITR
  • Employee ID/Offer Letter
🏢
Business Owners & Self-Employed
  • 2 years ITR
  • Business Registration Certificate
  • Last year’s P&L Statement
  • GST Certificate (if applicable)

Loan Representative Example

Loan Summary Details
Loan Amount ₹50,000
APR 5.99%< To 18%/td>
Tenure 12 Months
Processing Fee 2% of the loan amount
GST on Processing Fee ₹180
Amount Disbursed ₹48,820
EMI ₹4,998
Total Repayment Amount ₹59,978
Total Interest ₹9,978

This example demonstrates the total cost of a ₹50,000 loan with all applicable fees and interest over 12 months.

Make informed decisions about your financial future!

If you apply for a loan of ₹50,000 at an APR of 5.99% for 12 months, you will incur ₹1,000 as processing fee (2% of loan amount) and ₹180 as GST. Your total repayment amount will be ₹54,238, including ₹3,238 as total interest. T&C apply. Final APR may vary based on your credit profile.



Office address

101-103, Mittal Court, A Wing, 10th Floor, Nariman Point, Mumbai 400021 - Maharashtra

Helpline number

1800-572-9818

Mail address

support@nidhicapital.in

🔔 Important Information

Interest Rate: Starting interest rate may vary based on factors such as credit history, existing financial obligations, and the lender's discretion.

Eligibility: Loan approval is subject to successful completion of KYC and income verification procedures.

Annual Percentage Rate (APR) offered between 02nd Oct 2022 to 31st Mar 2023:
Min APR - 5.99%, Max APR - 18%

Repayment Schedule: Minimum - 12 months, Maximum - 240 months ^T&C apply

Example: On a personal loan of ₹1,00,000 at 8% interest p.a. for a tenure of 24 months, the monthly EMI will be ₹4,523.