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Our Schemes
(On Deposit of Rs. 10000/-)

Period Rate of Interest Maturity Amount
12 Month 11.00% 11100/-
24 Month 11.50% 12300/-
36 Month 11.75% 13520/-
48 Month 11.75% 14700/-
60 Month 12.00% 17800/-

Terms & Conditions:-

  1. Minimum FD would be of Rs.1,000 and further in multiple of Rs.1,000
  2. Interest calculation Quarterly compound.
  3. No TDS Deducted on interest. Paid by A.D. Nidhi on Deposit.
  4. Loan available against deposit up to 70% of deposited amount after one month from the date of deposit.
  5. Rate of Interest on loan against FD would be 6% higher than applicable rate of interest to your deposit.
2 Years FDP After 1 year one can go for premature payments facility, in this case only saving a/c interest would be payable on deposit amount.
3 Years FDP After 1 year one can go for premature payments facility, in this case only saving a/c interest would be payable on deposit amount and if one want withdraw After 2 years-the rate of interest would be calculated 3% less than the applicable rate of interest.
(On Deposit of Rs. 1000/- par Month)

Period Rate of Interest Maturity Amount
12 Month 11.00% 12700/-
18 Month 11.00% 19570/-
24 Month 11.25% 26800/-
36 Month 11.50% 42610/-
48 Month 11.75% 60720/-
60 Month 12.50% 82110/-
Tenure of Payment:-
The tenure of the account is 12 months and above.

Mode Of Payment:-
All payments to the company shall be made either in cash or by cheque/draft against the receipt countersigned by its authorized signatory payments by any mode or media other than mentioned above shall be at the member account holder’s own risk. The cheque/draft shall be credited in the name of member Account Holder subject to clearance by the bank. Out station cheques shall not be accepted.

Issue of Passbook
A passbook will be issued to every Member Account Holder. The Member Account Holder shall get the pass book updated at regular intervals. If any discrepancy or difference in the amount is found between the entries made in the passbook and receipts duly countersigned by the authorized signatory of the branch office bearing seal. Payment shall be made on the basis of receipts only.

Terms & Conditions:-

  • Interest will be calculated on yearly basis.
  • Recurring Deposit minimum amount Rs 100/-, thereafter in multiples of Rs 100/-
  • Loan on deposits will be charged at 18% yearly compound interest basis.
  • Lapse on payment of installment amount will make the defaulter pay Rs 2 per 100 per month with installment amount.
  • 1 month after paying last installment or maturity amount due date whichever is more will be applicable for payment of maturity amount.
  • Irregular deposits are not entitled for pre mature payment and loan facility against it.
  • On irregular deposits if all irregular pending deposits are paid then such account will be treated as regular. Even if there is default in payment of 1 installment, the said account will be treated as irregular.
  • After maturity date, payment on irregular accounts will be made after deducting the penalty amount maximum to the limit of interest earned on such account. No deductions will be made on principle amount of such accounts.

Loan facility on Recurring Deposits :

  • On 24 month and 36 month deposit schemes, after 1 year (after receiving of 12 installments) loan up to 60% of deposited amount will be given.
  • On 48 month and 60 month deposit schemes, after 1.5 years (after receiving of 18 installments) loan up to 60% of deposited amount will be given

Payment on pre mature Recurring Deposits :

  • On 1 year deposit scheme: Not applicable
  • On 2 years deposit scheme: After completion of 18 month pre mature payment will be made and 4% interest will be applicable on such amount on yearly basis.
  • On 3 years deposit scheme: After completion of 30 months pre mature payment will be made and 5% interest will be applicable on such amount on yearly basis.
  • On 4 years deposit scheme: After completion of 2 years pre mature payment will be made and 6% interest will be applicable on such amount on yearly basis
  • On 5 years deposit scheme: After completion of 3 years pre mature payment will be made and 7.5% interest will be applicable on such amount on yearly basis.
Interest Payment Table (On Deposit of Rs. 10000/-)

Period Rate Of Interest Monthly Income
1 Year 11.00% 91.60/-
2 Year 11.25% 93.75/-
3 Year 11.50% 95.80/-
4 Year 12.00% 100/-
5 Year 13.00% 108/-

Terms & Conditions:-

  • Minimum MIS would be of Rs. 10000/- and further in multiple of Rs.10000/-
  • No TDS Deducted on interest paid by A.D. Nidhi on Deposits.
  • Special MIS is applicable only for Senior citizens, women, and Govt. employ and for pensioners.
  • Loan available against Deposit up to 75% of deposited amount after one month from the date of deposit.
  • Rate of interest on loan against Deposit would be 5% higher than applicable rate of interest to your Deposit.
Payment before maturity not allowed for 90 days deposit scheme and Payment before Maturity allowed to other MIS plans, in this case the Calculation of interest on pre-mature payment will be applicable as per savings a/c’s rate of interest and already paid interest amount will be deducted from the principal amount.
Daily Deposit Scheme (D.D.S)
  • The minimum denomination of the scheme is Rs.10/- per day and in multiples of 10.
  • The company reserves the right to reject any application for opening the account without assigning any reason.
  • The company reserves the right to attach/transfer any account to any its branch.
  • Defaulters will be charged at the rate of Rs. 2/- per Rs. 100/- per 15 days.
Period Rate of Interest
12 Month 8.25%
24 Month 10.25%

Tenure of Payment
The tenure of the account is 12 months and above.

Mode Of Payment:-
a) All payments to the company shall be made either in cash or by cheque/draft against the receipt countersigned by its    authorized signatory payments by any mode or media other than mentioned above shall be at the member account     holder’s own risk. The cheque/draft shall be credited in the name of member Account Holder subject to clearance by the     bank. Out station cheques shall not be accepted.
b) Installments are to be paid regularly in each working day. The member account holder will have to deposit 30 days     payment in the month.

Issue Passbook:-
A passbook will be issued to every Member Account Holder. The Member Account Holder shall get the pass book updated at regular intervals. If any discrepancy or difference in the amount is found between the entries made in the passbook and receipts duly countersigned by the authorized signatory of the branch office bearing seal. Payment shall be made on the basis of receipts only.

Maturity:-
The Member Account Holder shall surrender the passbook and duly signed maturity form to the company and the maturity shall be paid along with interest as per the below mentioned Chart. No additional interest would be paid on the maturity amount, if taken after the scheduled period

  • Maturity payment of regular accounts.
    On deposit of Rs. 10/- per day Maturity Amount shall be paid to the Member Account Holder within 7 days from the demand made with the company as per the following chart(for daily mode)
  • Maturity Payment of irregular accounts.
    The account where in the member Account Holder has not continued the account regularly, as specified in clause (1) above would be treated as irregular Account. The company will charge liquidated damages on these irregular accounts on account of non receipt of deposit installments in time and the resultant loss of investment opportunity, etc. The liquidated damages would be deducted from or adjusted against the interest amount payable to the member account holder. No deduction of any kind shall be made from the principal amount deposited by the member account holder. Therefore, at the time of maturity, the payment in these accounts shall be made with interest as per the chart available at the company offices.
  • Pre-Maturity
    Pre-Maturity is not allowed at any point of time but member can avail loan facility.
Saving Account
Saving money habit will improve the quality of life and will help you to feel better and to sleep better. One will be happier knowing he/she has some money aside for unexpected expenses and look forward to achieve some of their dreams. A.D. Nidhi Mutual Benefit India Nidhi Limited has introduced uniquely designed “Saving Account” to inbuilt the habit of saving among people.

Feature of Saving Account

Main Features Saving Account
Minimum Deposit Rs 1000 only 
Nomination Facility
Attractive Rate of Interest 6.00 %
SMS Facility

Salient Features

  1. Nomination facility available for deposits.
  2. There can be only one Nominee for a deposit account whether held singly or jointly.
  3. A person legally empowered to operate a minor's account can file a nomination on behalf of the minor.
  4. Applicants can make nomination by filling up the prescribed form.
  5. The nomination details can be changed during the subsistence of the account relationship by filling up the Form prescribed
  6. For more details approach your branch.

Documentation Require for account opening

Identity Proof : Address Proof :
Passport, Adhar Card Passport, Adhar Card
PAN card Telephone bill
Voter ID card Electricity bill
Driving license Bank Statement with Cheque
Government ID card Certificate/ ID card issued by Post office
Photo ration card  
Senior citizen ID card  

Note -

  1. Please produce the original document(s) for verification & a photocopy of each document.
  2. Mandatory to provide Permanent address and telephone number.
  3. Please avail of the nomination facility.
  4. Mandatory to complete the KYC Norms

* terms & condition apply and all deposit plan only for members/shareholders.
Reaching the unreached (Micro Loan a livelihood promotion from A.D. Nidhi)
Micro-credit by itself is helpful for the more enterprising poor members in economically dynamic areas. Less enterprising poor households need to start with savings before they can benefit from micro-credit, because they need to cope with risk. To offer these services in a cost-effective manner, it is not possible to work with poor households individually and they need to be organized into groups, informal associations and sometimes cooperatives or producer companies. The formation of such groups and making them function effectively, requires society development services. Microfinance started with the recognition that poor people had the capability to lift themselves out of poverty if they had access to affordable savings & loans.. With the right opportunities, the poor have proved themselves to be productive and capable of borrowing, saving and repaying, even without collateral Provides self-employed women financial assistance to support their business enterprises, such as raising livestock, running local retail shops called kirana stores, providing tailoring and other assorted trades and services.

What We Do
A.D. Nidhi serves thousands of poor women across villages and urban slums. We have achieved this scale through an innovative combination of using a for non-profit model, drawing on best practices from the business world and deploying technology. We are using the channel that we have created to provide a full range of financial services to the poor members. By providing the poor this range of economic tools, we are looking forward to the eradication of poverty.

Product Features Benefits
  • A.D. Nidhi Micro Loan (Income Generation) -Loans range from Rs.5, 000 to Rs. 10,000 for the first loan; subsequent loan amounts determined by past credit history and increased each in set increments up to a maximum limit as decided by the Company.
  • Term of the loan is 50 weeks with principal and interest payments due on a monthly basis
  • There are times when we need certain information from you to respond to requests and to authenticate your identity when you register for online account information access.
Key Features
  • A.D. Nidhi Micro Loan (Income Generation) -Loans range from Rs.5, 000 to Rs. 10,000 for the first loan; subsequent loan amounts determined by past credit history and increased each in set increments up to a maximum limit as decided by the Company.
  • Term of the loan is 50 weeks with principal and interest payments due on a monthly basis
  • There are times when we need certain information from you to respond to requests and to authenticate your identity when you register for online account information access.
Let the gold add glitter to your life. Unlock the value of your gold while you continue to own it.
A.D. Nidhi Ltd designed to provide liquidity against gold and gold Jewelers without having to sell them. Let your gold help you bring the golden period in life...

Features & Benefits-

  1. Availed for any amount between Rs.1,000 to a maximum of Rs.10 Lakhs.
  2. Hassle-free quick processing of loans
  3. Minimum documentation and quick disbursal
  4. Simplified Paperwork.
  5. Easy Payment options.
  6. ATL - Anytime Liquidity
  7. No EMI, Service only Interest and enjoy the Loan facility
Terms & Conditions:-
  1. The rate of interest will be @ 14% to 18% per month.
  2. Avail loan amount ranging from Rs. 1000 to 2 Lakhs
  3. The valuation of the gold ornaments will be done by A.D. Nidhi through authorized value, and the cost of valuation will be borne by borrower.
  4. Two colored photographs of gold ornaments are required.
  5. Two colored photographs of borrower and his/her ID proof are required.
  6. The loan interest will be paid on monthly basis.
  7. In case of nonpayment of interest for 11 months, the Gold ornaments will be sold by A.D. Nidhi.
  8. The expenditure on sale of Gold ornaments plus due loan amount and 5% penalty rest on due amount interest will be deducted and balance amount will be deposited in to loan account.
  9. The borrower has to provide an affidavit declaring the ownership of the ornaments.
  10. In case the borrower does not pay the interest a penalty of 5% has to be paid along with next interest installment.

Gold Loan - Eligibility
Anyone who is the member and owns gold ornaments can avail the loan. (Note: Minors are not eligible.) To obtain the loan, you need to submit your gold jewellery (within the Karat range of 18 to 24 k) at your nearest MSMBINL branches. The loan amount will be sanctioned on the basis of gold valuation which involves verification of its purity. The weight of stones etc. fixed on the ornaments will be deducted for the intention of valuation.
Gold Loan - Documents
To abide by the KYC (Know Your Customer) Policy of RBI and approved KYC norms of our Company, we insist to produce one document of identity proof (Such as Ration Card with photo, Driving License, PAN Card, Voter ID card, Passport, Aaadhar Card etc.) and one document of residential address proof (Such as Telephone Bill, Electricity Bill, Water Bill, Bank account / Credit Card Statement, Municipal / Local/House Tax Bill / Receipt, Authentic Rent Receipt / Lease Document, Letter from reputed employer/ Public Authority).There are no end-use restrictions in gold loans.
You can avail a loan in Indian rupees against the security of FIXED DEPOSIT BOND OF THE A.D. Nidhi. The loan may be used to meet emergency financial requirements, to carry on business activities. You need not close the deposit prematurely, and can avail the loan:
  1. At the branch where you maintain the deposit.
  2. As an overdraft or as a demand loan.
  3. For a maximum of 75% of the face value of deposit, and including the interest accrued on the deposit.
  4. At an interest rate of 7.5% higher than your base rate of deposits.

Features & Benefits-

  1. Attractive Interests Rates
  2. Doorstep Service
  3. Balance Transfer Facility
  4. Nominal Prepayment Charges
What are the supporting documents required while applying for the loan?

Common Requirements for all Applicants.:-
  1. Application form duly filled in (with photograph of the entire applicant).
  2. Residence and Age verification, which may be established from the PAN card, Election ID, Passport, Drivers license and Ration card etc.
  3. Copy of approved plan and sanction letter from local civic authority.
  4. Copy of NA permission.
  5. One/two guarantor/s form/s and salary certificates. - If guarantor is in business, copies of I.T. returns or assessment orders for the last three years are required.
  6. Bank Pass-book of statements for the last one year.
  7. Latest salary slip/statement showing all deductions in case of employed applicants.
  8. Certified copies of Balance Sheets and Profit and Loss accounts, IT acknowledgments, advance tax challans (for company / firm and personal account) for the last three years in case of self employed applicants.
  9. Memorandum/Articles of Association for companies, partnership deeds for firms and a brief profile of your company/ firm in case of self employed applicants.

Additional Requirement:-

A. (In case of purchase from builder)
  1. Copy of Agreement for sale.
  2. Copy of registration receipt.
  3. Copy of sanctioned plan & sanction letter of the competent authorities.
  4. Copy of NA permission/ULC order.
  5. Copies of receipts of payments already made.
  6. NOC from builders in our format.
B. (In case of direct allotment in a Co-operative Housing Society)
  1. Allotment letter.
  2. Share certificate, Society registration certificate.
  3. Copy of sale/lease deed in favor of the society.
  4. NOC from society in our format.
  5. Possession letter in original.
C. (In case of resale)
  1. Copy of all previous vendors agreements duly stamped and registered and the registration receipts. (Original to be given before disbursement).
  2. NOC from Society/Builder in our format.
  3. Original Share Certificate.
Specification
A.D. Nidhi Kisan Bond is Term Deposit Product where in depositor gets Three Times of his/her deposit amount in a Specification time period.

Eligibility
  • An Individual in his/her own name.
  • Jointly by more than one Individuals.
  • In the name of Trusts, Associations, Educational Institutions, Partnership Firms, Companies and any other Institutions, which are eligible to open a term Deposit account, as per Nidhi Company Rules.
Minimum Deposit Amount
  • INR 5,000/- and further in multiple of INR 1,000/-
Maturity Value
  • On Due Date INR 5,000/- shall accumulate into INR 15,000/-
Duration
  • 10 Year (120 Months)
Premature Payment
  • Not Available up to 3 Years.
  • Interest Rate Applicable on withdrawal after 1 years as per Nidhi Company Terms & Conditions
Nomination Facility
  • Nomination Facility Available.
Loan Facility
  • Not Available upto 1 Years.
  • Maximum of 60% against deposit amount after 1 years.
  • Interest rate shall be applicable as per Nidhi Company’s Terms & Conditions
Specification
BitiyaNidhi Bond is Term Deposit Product where in depositor gets Four Times of his/her deposit amount in a Specification time period.

Eligibility
  • An Individual in his/her own name.
  • Jointly by more than one Individuals.
  • In the name of Trusts, Associations, Educational Institutions, Partnership Firms, Companies and any other Institutions, which are eligible to open a term Deposit account, as per Nidhi Company Rules.
Minimum Deposit Amount
  • INR 5,000/- and further in multiple of INR 1,000/-
Maturity Value
  • On Due Date INR 5,000/- shall accumulate into INR 10,000/-
Duration
  • 5.5 Year (66 Months)
Premature Payment
  • Not Available up to 3 Years.
  • Interest Rate Applicable on withdrawal after 3 years as per Nidhi Company Terms & Conditions.
Nomination Facility
  • Nomination Facility Available.
Loan Facility
  • Not Available upto 1 Years.
  • Maximum of 60% against deposit amount after 1 years.
  • Interest rate shall be applicable as per Nidhi Company’s Terms & Conditions
Specification
A.D. Nidhi Kisan Bond is Term Deposit Product where in depositor gets Three Times of his/her deposit amount in a Specification time period.

Eligibility
  • An Individual in his/her own name.
  • Jointly by more than one Individuals.
  • In the name of Trusts, Associations, Educational Institutions, Partnership Firms, Companies and any other Institutions, which are eligible to open a term Deposit account, as per Nidhi Company Rules.
Minimum Deposit Amount
  • INR 5,000/- and further in multiple of INR 1,000/-
Maturity Value
  • On Due Date INR 5,000/- shall accumulate into INR 10,000/-
Duration
  • 70 Months
Premature Payment
  • Not Available up to 3 Years.
  • Interest Rate Applicable on withdrawal after 1 years as per Nidhi Company Terms & Conditions
Nomination Facility
  • Nomination Facility Available.
Loan Facility
  • Not Available upto 1 Years.
  • Maximum of 60% against deposit amount after 1 years.
  • Interest rate shall be applicable as per Nidhi Company’s Terms & Conditions
Eligibility
  • Resident Indian
Identity Proof
  • Passport
  • PAN card
  • Voter ID card
  • Driving licence
  • Government ID card
  • Photo ration card
  • Senior citizen ID card

Address Proof

  • Passport
  • Telephone bill
  • Electricity bill
  • Bank Statement with Cheque
  • Certificate/ ID card issued by Post office

    * Any other Identity proof or Address proof document can be submitted, subject to the Company satisfaction.

Note

  • Please produce the original document(s) for verification & a photocopy of each document.
  • Please fill the form in CAPITAL LETTERS using Black ink.
  • Please countersign in case of any overwriting.
  • Please avail of the nomination facility.

    * Mandatory to provide Permanent address and telephone number.