Legal & Compliance | Richha Nidhi Limited

Statutory Nidhi Company Declaration

Richha Nidhi Limited (CIN: U67100BR2019PLN043668) is a Non-Banking Financial Company (NBFC) incorporated under Section 406 of the Companies Act, 2013 and is strictly governed by the Nidhi Rules, 2014. We are officially registered and regulated by the Ministry of Corporate Affairs (MCA), Government of India.

As per the official Gazette notification and the core principles of a Nidhi Institution, our primary objective is to cultivate the habit of thrift and savings amongst our members. We are legally authorized to accept deposits (Savings, FD, RD, MIS) and lend money ONLY to our registered members for their mutual benefit, against tangible securities like Gold, Property, or fixed deposits.

As per Official Gazette of India | Compliant with Nidhi Rules, 2014

Privacy Policy

Learn how Richha Nidhi Limited collects, strictly encrypts, uses, and safeguards your personal KYC data and financial transaction information under the IT Act.

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Terms of Service

The detailed rules, regulations, and terms governing your membership, use of our banking portals, deposit schemes, and loan products as per MCA guidelines.

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Refund & Withdrawal

Our official policy regarding premature closure of FD/RD accounts, deposit refunds, and cancellation of services (subject to the locking periods defined in Nidhi Rules).

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KYC & Membership

Mandatory Anti-Money Laundering (AML) and KYC guidelines. Details the documents required (Aadhar, PAN) to legally become a shareholder/member of the Nidhi.

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Important Regulatory Notice

1. Membership Mandatory: Richha Nidhi Limited does NOT deal with the general public. All financial transactions (Deposits & Loans) are strictly limited to registered members/shareholders only.

2. RBI Exemption: Nidhi Companies are exempted from the core provisions of the RBI Act and are regulated by the MCA. The Reserve Bank of India does not guarantee the repayment of deposits accepted by Nidhi Companies.

3. Authorized Channels: We never ask for OTPs or passwords over the phone. Please operate and deposit money only through our official portal or physical branches located in Gopalganj, Bihar.