Keep your Nidhi company on the right side of the Nidhi Rules and the Companies Act. A dedicated compliance expert tracks half-yearly NDH-3 returns, member and fund norms, ROC annual filings and clears overdue filings before penalties build up.
Free call & custom quote · Professional fee + government fee
Nidhi company compliance is the set of Nidhi-specific returns, membership and fund norms, deposit and loan rules and ordinary company filings that a Nidhi must follow under the Companies Act, 2013 and the Nidhi Rules, 2014. It applies in addition to the annual filings every company has to make.
Last updated: October 2026. Rules, limits, forms and due dates can change, so we confirm the current position before filing. This page is general information, not legal advice.
A Nidhi company is a mutual benefit company that encourages thrift and savings among its members. It accepts deposits from and lends to its members only. It is regulated by the Ministry of Corporate Affairs under Section 406 of the Companies Act, 2013 and the Nidhi Rules, 2014, rather than by the Reserve Bank of India.
Because it handles member money, a Nidhi carries extra obligations. It must reach a minimum membership and net owned funds within the first year, follow limits on deposits and loans, and file Nidhi-specific forms such as NDH-3 every half-year. It must also hold board meetings and an AGM, get accounts audited and file the usual ROC annual forms.
Delays are costly. Late fees accumulate, deposit-taking can be restricted, directors face penalties and prolonged default can lead to loss of Nidhi status or strike-off. For forms and company master data, use the official Ministry of Corporate Affairs portal. To protect your Nidhi's name and logo, see our trademark registration online service.
Common limits every Nidhi director should know. Confirm current figures before relying on them.
What applies to your Nidhi depends on its age, size and filing history.
Forms under the Nidhi Rules filed on top of the usual ROC forms.
Minimum members and funds that must be met and shown.
Limits on how member money can be taken and lent.
The yearly filings every private or public company makes.
Meetings and records the Companies Act requires.
Returns, audit and help for missed filings.
Not sure which filings apply to your Nidhi? Share your CIN and our experts will review your master data free of charge.
Why Nidhi directors keep their compliance up to date.
Timely returns protect your standing as a declared Nidhi company.
On-time filing avoids per-day additional fees on ROC and Nidhi forms.
Reduces the risk of penalties and disqualification of directors.
Clear records and proper norms build confidence among depositors.
Meeting the norms avoids restrictions on accepting member deposits.
Deposit, loan and member registers stay organised for any review.
Handled from anywhere in India without visiting a Registry office.
From health check to filed returns, here is how online Nidhi compliance works with us.
Timelines depend on how quickly records are ready and on portal workload. Not to scale.
We check your CIN, Nidhi declaration status, director KYC and past filings to find what is pending.
We compare your members, net owned funds, deposits and loans against the Nidhi Rules.
Books are reconciled, and the statutory auditor is appointed or reappointed with ADT-1 where required.
We draft notices, board report, minutes and resolutions for board meetings and the AGM.
NDH-3, AOC-4, MGT-7 and other applicable forms are filed on the MCA portal.
You get filing acknowledgements and a calendar of upcoming due dates.
Keep these ready to avoid delays. Our expert will confirm the exact list for your company.
The total cost depends on the number of members, transactions, deposits and loans, and how many periods are pending. It generally has three parts:
ROC filing fees depend on the form and authorised capital. Late filing adds an additional fee per day. We confirm current fees before filing.
Our fee depends on the size of the Nidhi and the filings involved. Call free for a custom quote before you pay anything.
Statutory audit fee, DSC, overdue periods, extension applications and notices are charged separately.
We share a clear, itemised quote before you begin – no hidden charges. Get your free quote →
Choose the situation that matches your Nidhi, or call free for a custom quote.
Your Nidhi is up to date and needs its returns filed on time.
Returns are pending, a norm is not met, or you have received a notice.
You want Nidhi, ROC and secretarial work handled in one place.
Our professional fee is quoted after a free call. Government fee and audit fee are separate; additional fees apply to late filings. Not sure which option fits? Ask for a free compliance check.
Every Nidhi company has to comply, whether it is new or well established.
First-year membership, fund and declaration steps need early attention.
Understand the ongoing obligations before you incorporate and collect deposits.
Keep NDH-3, ROC and secretarial filings on a steady calendar.
Plan the extension application and remedial steps in time.
Share the filing load and avoid personal penalties.
If returns have been missed, speak to us quickly before penalties grow.
A quick view of how the position changes as obligations slip. Ask us where your Nidhi stands.
| Position | When it applies | What is needed | Cost | Risk |
|---|---|---|---|---|
| On time | Norms met and forms filed within due dates | Regular NDH and ROC filings | Government fee only | Lowest |
| Extension sought | Members or funds short in the first year | Extension application (NDH-2) | Fee plus professional effort | Moderate |
| Late filing | Due date missed by days or months | Filing with additional fee | Fee plus per-day late fee | Moderate to high |
| Prolonged default | Norms or returns missed for long | Year-wise clean-up and notice replies | Higher, grows with delay | High, loss of status possible |
A compliance calendar and timely records prevent most problems.
Indicative dates for an April–March financial year. Dates can change, so confirm before relying on them.
Reach the required members and net owned funds, and complete the declaration and first-year returns (NDH-4, NDH-1, or NDH-2 for extension).
Hold at least four board meetings a year with no gap above 120 days.
Half-yearly return generally due within 30 days of the end of the half-year.
The AGM is due within six months of the financial year end.
ADT-1 within 15 days, AOC-4 within 30 days and MGT-7 within 60 days of the AGM.
Second half-yearly return, and the income tax return for most companies.
Protecting your brand is part of staying protected as a business. See our trademark registration online service, or if you have received a trademark notice, our trademark hearing online support.
Quick answers on Nidhi company compliance in India.
It is the set of Nidhi-specific returns, membership and fund norms, deposit and loan rules, and ordinary company filings that a Nidhi company must follow under the Companies Act, 2013 and the Nidhi Rules, 2014.
Nidhi companies are regulated by the Ministry of Corporate Affairs under Section 406 of the Companies Act, 2013 and the Nidhi Rules, 2014. They are not regulated by the Reserve Bank of India as NBFCs.
NDH-3 is the half-yearly return of a Nidhi company. It is generally due within 30 days of the end of each half-year, that is by 30 October for April to September and by 30 April for October to March.
A Nidhi must generally have at least 200 members and net owned funds of Rs 10 lakh within one year of incorporation. It must also keep unencumbered term deposits of at least 10 percent of its outstanding deposits and keep deposits within 20 times its net owned funds.
NDH-4 is the application for declaration as a Nidhi company by the Central Government. NDH-1 is the return of statutory compliances, filed after the first year to report that the membership and fund requirements have been met. Time limits apply, so we confirm them for your company.
An application for extension of time can be made using Form NDH-2 within the prescribed period. Without compliance, the company can face action under the Nidhi Rules and the Companies Act, including restrictions on accepting deposits.
No. A Nidhi may accept deposits from and lend to its members only, and it is restricted from activities such as chit funds, hire purchase, leasing and insurance business. Loans are subject to security and limit conditions under the Nidhi Rules.
Like other companies, generally AOC-4 for financial statements, MGT-7 or MGT-7A for the annual return and ADT-1 for auditor appointment, along with board meetings, an AGM and director KYC. These come on top of the Nidhi-specific returns.
Late filing attracts additional fees, and breach of the Nidhi Rules can attract penalties on the company and its officers, restrictions on accepting deposits, director disqualification and, in serious cases, strike-off or loss of Nidhi status.
It depends on the number of members, transactions, number of pending periods and filings involved. Government fees are separate from our professional fee, and we share an itemised quote after a free call.
Not sure what your Nidhi has filed? Speak to our compliance expert today – the health check and the quote are free.
Tell us what you need and our team will get back to you with the right guidance.
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