Register Nidhi (Mutual Benefit) Company

Nidhi word is basically a “Sanskrit” word which means a reservoir of funds or a treasure. In a modern world Nidhi Company is a type of Finance Company which is registered and regulated by the Govt. of India through Ministry of Corporate Affairs (MCA). These companies can take deposit or lend money to its members only. 

Nidhi Company is a company registered under the Companies Act, 2013, which has a sole objective of cultivating the habit of thrift and savings amongst its members. Nidhi word is basically a “Sanskrit” word which means a reservoir of funds or a treasure. In a modern world Nidhi Company is a type of Finance Company which is registered and regulated by the Govt. of India through Ministry of Corporate Affairs (MCA). These companies can take deposit or lend money to its members only. 

NIDHI COMPANY REGISTRATION

 

 

Basic information

 

Nidhi Company is a company registered under the Companies Act, 2013, which has a sole objective of cultivating the habit of thrift and savings amongst its members. Nidhi word is basically a Sanskrit” word which means a reservoir of funds or a treasure. In a modern world Nidhi Company is a type of Finance Company which is registered and regulated by the Govt. of India through Ministry of Corporate Affairs (MCA). These companies can take deposit or lend money to its members only. Therefore, the funds contributed for a Nidhi company are only from its members and used only by the shareholders of the Nidhi Company.

 

Nidhi Company is a class of NBFCs and RBI is empowered to issue directions to them in matters relating to their deposit acceptance activities. However, in recognition of the fact that these Nidhi Companies deal with it’s shareholder-members only, RBI has exempted Nidhi Companies from the core provisions of the Reserve Bank of India Act, 1934 and other directions applicable to Nidhi Companies. Therefore, Nidhi Company is an ideal entity to take deposit from and lend to a specific group of people (that is within the members of the Company only).

 

 

What is the Nidhi Company ?

 

 

A Nidhi Company is a closely held public Company started initially with 7 members/ subscribers and 3 Directors which carry solely the business of providing loans to its members only and borrow therefrom, accepting the deposits from the members and promoting the habit of savings among the its members only for their mutual benefit and therefore Nidhi Company is also known as Mutual Benefit Company or Mutual Benefit Society. A Nidhi Company is required to increase the number of its members more than 200 within a first year after its incorporation and needs to file the return thereof half yearly with the Ministry of Corporate Affairs (MCA) under the Companies Act, 2013.

 

As per the provisions of Companies Act, 2013, every Nidhi Company ensure;

 

          1. Not less than two hundred members;
          2. Net Owned Funds of ten lakh rupees or more;
          3. Unencumbered term deposits of not less than 10 % of the outstanding deposits
          4. Ratio of Net Owned Funds to deposits of not more than 1:20

 

What will you receive in Company registration package ?

 

 

  1. DIN of 3 Directors
  2. DSC of 7 Promoters
  3. Name Reservation
  4. MOA & AOA
  5. Incorporation Certificate
  6. Directors Appointment
  7. PAN & TAN
  8. GST Registration
  9. Post Incorporation compliances
  10. Filing of Declaration of Commencement of Business

 

 

 

Advantages of Private Limited Company Registration

 

1. Separate Legal Entity (Management & ownership is separate):

 

Nidhi Company is a legal entity and a juristic person established under the Companies Act, 2013. Hence, a company has a wide range of legal capacities and the members (Shareholders/Directors) of a company have no personal liability to the creditors of a company for company's debts.

 

2. Perpetual succession gives longest business life:

 

Nidhi Company has 'perpetual succession', which means uninterrupted existence until it is legally dissolved. A company being a separate legal person, is unaffected by death or other departure of any member and it continues to be in existence irrespective of changes in ownership.

 

3. Easy financing activities amongst members of the Company internally:

 

Nidhi Companies can provide loans to its members only and borrow from only its members, accepting the deposits from the members no outsiders or third party is involved in lending and borrowing activities hence risk of borrowing is not there. Further, under the Companies Act, 2013, a Nidhi Company is not required to comply with the rules relating to Acceptance of Deposits.

 

4. Easy share transfer process:

 

Securities can be easily transferred in a company through Demat facility since all the public companies now compulsorily required to convert all of its securities from physical form to Demat (Electronic balance) Form. The signing, filing and transfer of share transfer instruments/ forms and issuance of physical share certificates is now done away with which makes transfer process fastest and transparent.

 

5. Owning Property in own name:

 

A Company being an artificial person, can acquire, own, and alienate, property in its own name. The property owned by a company could be machinery, building, intangible assets, land, residential property, factory, etc., No shareholder can make a claim upon the property of the company - as long as the company is a going concern.

 

What are the minimum requirements for Registering a Company in India?

 

  1. Minimum 3 Directors
  2. Minimum 7 Shareholders *
  3. There is no minimum capital requirements
  4. DSC of all the promoter - shareholders of proposed Company
  5. DIN of the proposed Directors
  6. Unique Name for the proposed Company
  7. Registered office Address of the Company

* (The Directors and Shareholders can be the same or different persons.)

 

 

What is next after registration of Company ?

 

  1. Appointment of 1st Auditors
  2. Opening of Bank Accounts
  3. Filing of Declaration for Commencement of Business in form INC-20A
  4. Filing of half yearly returns of Nidhi Company in form NDH-1
  5. Minutes of Board meeting and their committees
  6. GST registration of the Company
  7. Trade Marks Registration
  8. Share Certificates to the subscribers
  9. Statutory Registers preparations
  10. Filing of Form AOC-4
  11. Filing of Form MGT-7

 

What is the procedure for Company registration ?

 

Step 1: Obtain the DSC Tokens of all the shareholders

Step 2: Apply for Name Reservation

Step 3: Prepare and filing of Form Spice Form INC-32 for incorporation

Step 4: Obtain the Certificate of Registration

Step 5: File Form INC-20A for Declaration of Commencement of Business

 

The entire process for registration of Company will take at least 7 to 15 working days from the receipt of all the necessary documents and filing with the ROC.

 

Precautions to be taken while name reservation

 

  1. Meaningful: The name of your company should have some meaning even though more than two words combination is used. The name taken by the promoters of the Company should not be able to be challenged by anyone.

 

  1. Unique: It should not create resemblance with the existing Company or LLP names or even the Trade Marks (either registered or in the process of registration).

 

  1. Activity reflecting: In the name of your proposed Company, activity or main business object should be reflected or represented.

 

Should not be illegal / offensive: The name of your company should not be against law. It should not be abusive or against the customs and beliefs of any religion.

Documents


Passport Photo

Passport Photo of all parties


PAN Card

PAN Card of all parties


Aadhaar Card

Aadhaar Card of all parties


Landlord NOC

Format will be provided


Rent Agreement

Copy of Rent agreement (If rented property)


Electricity/ Gas bill

Bank Statement for Office of Company


Copy of Index II

Property Tax Receipt (If owned property)


Other Documents

Other documents will be intimated through e-mail.

FAQ

Nidhi Company is incorporated for the object of cultivating the habit of thrift and savings amongst its members, receiving deposits from and lending to its members only, for their mutual benefit. Nidhi Companies are also called the Mutual Benefit Society. Nidhi Company is regulated by the Ministry of Corporate Affairs (MCA). Every Nidhi Company shall, immediately after incorporation,ensure that it has- Not less than two hundred members; Net Owned Funds of ten lakh rupees or more; Unencumbered term deposits of not less than ten per cent. of the outstanding deposits as specified in rule 14; and Ratio of Net Owned Funds to deposits of not more than 1:20

Cultivate secured and lucrative investmentsto its members Gives fund benefits and locker facility Help in channelizing small savings The lower rate of credit for the members Separate Legal Existence from its management body Limited Liability on members in liquidation Flexibility of Ownership Separation of Ownership and Management Perpetual Succession Easy Transferability

You are required to fill-in the Enquiry Form as mentioned on the screen and the required list of documents and quotation will be at your Figure Tips. No Charges are required to be paid.

The following types of Business entities are in existencein India: Private Limited Company Public Limited Company One Person Company Producer Company Section 8 Company Nidhi Limited Company Non-Banking Finance Companies Mutual Fund Companies Foreign Subsidiary Companies Chit Fund Companies Limited Liability Partnership Partnership Firm Sole Proprietorship

At leastThreeDirector At least SevenSubscribers(The Director and Shareholder can be same) DIN is included in the Incorporation process itself no separate requirements DSC (Digital Signature Certificate) for all the Subscribers to MOA Minimum Amount of Share Capital of INR. 5 Lakhs Documents as enlisted in the requirement list itself

The Memorandum of Association (MOA) states the main objects of the proposed company.The Articles of Association (AOA) on the other hand, contains the bylaws, rules and regulations and procedures for conducting the routine business operations and affairs of the Company. The Memorandum of Association and the Articles of Association of the Company are constitutional and important documents, however they cannot override the provisions contained in the Companies Act, 2013 and the rules made thereunder

Authorized capital is the maximum amount of share capital with which a company is incorporated. Authorized capital can be increased by company at any time with shareholders’ approval. Paid-up share capital cannot be more than the authorised share capital.

Paid-up share capital of a company is that amount of capital which is issued to the subscribers and/or other shareholdersagainst which money towards such allotment of shares is paid by the shareholders. Paid-up capital will always be less than the authorized capital or registered capital.

It is unique Identification Number allotted to an individual who is an existing director of a company or intends to be appointed as director of a company pursuant to section 152 (3), 153 of the Companies Act, 2013. Every individual, intending to be appointed as a director of the company, will have to file an application for allotment of DIN in Form DIR-3. After filing of an application in the prescribed form the DIN approval letter will be sent through an Email to the applicant by the Ministry of Corporate Affairs

Digital Signature Certificates (DSC) are the certificate in the electronic format issued by the Certifying Authorities containing the Identity details of an individual which are carried through the DSC Tokens similar to the Pen Drives. Digital certificate can be presented electronically to prove your identity and to sign digitally certain E-forms on the Government Portals like Ministry of Corporate Affairs, DGFT, Income Tax, RBI, etc.

Yes, an existing Company can be converted into other type of Company by complying with the provisions of Companies Act, 2013 such as; Private Limited into Public Limited and vice-versa Private or Public to Section 8 Company and vice-versa OPC to Private or Public Company From Private to OPC subject minimum criteria as specified in the Companies Act, 2013 From Company to Co-Operative Societies From Partnership or LLP or Proprietary into Company However, conversion from Company to other unregistered form of business is not allowed under the Companies Act, 2013.

No Hidden charges. Every detail regarding charges istransparent as you can see in the Quotation file in your mailbox.

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     * @param  string  $path
Arguments
  1. "file_put_contents(/home/naruto2020/public_html/storage/framework/sessions/LnjJjVunnXssjXSAVyP3grrJv629j84Uqzyh0YaU): failed to open stream: Permission denied"
    
  2. array:1 [
      "exception" => ErrorException {
        #message: "file_put_contents(/home/naruto2020/public_html/storage/framework/sessions/LnjJjVunnXssjXSAVyP3grrJv629j84Uqzyh0YaU): failed to open stream: Permission denied"
        #code: 0
        #file: "/home/naruto2020/public_html/vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php"
        #line: 122
        #severity: E_WARNING
      }
    ]
    
/home/naruto2020/public_html/vendor/laravel/framework/src/Illuminate/Log/Writer.php
     *
     * @param  string  $message
     * @param  array  $context
     * @return void
     */
    public function critical($message, array $context = [])
    {
        $this->writeLog(__FUNCTION__, $message, $context);
    }
 
    /**
     * Log an error message to the logs.
     *
     * @param  string  $message
     * @param  array  $context
     * @return void
     */
    public function error($message, array $context = [])
    {
        $this->writeLog(__FUNCTION__, $message, $context);
    }
 
    /**
     * Log a warning message to the logs.
     *
     * @param  string  $message
     * @param  array  $context
     * @return void
     */
    public function warning($message, array $context = [])
    {
        $this->writeLog(__FUNCTION__, $message, $context);
    }
 
    /**
     * Log a notice to the logs.
     *
     * @param  string  $message
     * @param  array  $context
     * @return void
Arguments
  1. "error"
    
  2. "file_put_contents(/home/naruto2020/public_html/storage/framework/sessions/LnjJjVunnXssjXSAVyP3grrJv629j84Uqzyh0YaU): failed to open stream: Permission denied"
    
  3. array:1 [
      "exception" => ErrorException {
        #message: "file_put_contents(/home/naruto2020/public_html/storage/framework/sessions/LnjJjVunnXssjXSAVyP3grrJv629j84Uqzyh0YaU): failed to open stream: Permission denied"
        #code: 0
        #file: "/home/naruto2020/public_html/vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php"
        #line: 122
        #severity: E_WARNING
      }
    ]
    
/home/naruto2020/public_html/vendor/laravel/framework/src/Illuminate/Foundation/Exceptions/Handler.php
     */
    public function report(Exception $e)
    {
        if ($this->shouldntReport($e)) {
            return;
        }
 
        if (method_exists($e, 'report')) {
            return $e->report();
        }
 
        try {
            $logger = $this->container->make(LoggerInterface::class);
        } catch (Exception $ex) {
            throw $e; // throw the original exception
        }
 
        $logger->error(
            $e->getMessage(),
            array_merge($this->context(), ['exception' => $e]
        ));
    }
 
    /**
     * Determine if the exception should be reported.
     *
     * @param  \Exception  $e
     * @return bool
     */
    public function shouldReport(Exception $e)
    {
        return ! $this->shouldntReport($e);
    }
 
    /**
     * Determine if the exception is in the "do not report" list.
     *
     * @param  \Exception  $e
     * @return bool
     */
Arguments
  1. "file_put_contents(/home/naruto2020/public_html/storage/framework/sessions/LnjJjVunnXssjXSAVyP3grrJv629j84Uqzyh0YaU): failed to open stream: Permission denied"
    
  2. array:1 [
      "exception" => ErrorException {
        #message: "file_put_contents(/home/naruto2020/public_html/storage/framework/sessions/LnjJjVunnXssjXSAVyP3grrJv629j84Uqzyh0YaU): failed to open stream: Permission denied"
        #code: 0
        #file: "/home/naruto2020/public_html/vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php"
        #line: 122
        #severity: E_WARNING
      }
    ]
    
/home/naruto2020/public_html/app/Exceptions/Handler.php
 
    /**
     * A list of the inputs that are never flashed for validation exceptions.
     *
     * @var array
     */
    protected $dontFlash = [
        'password',
        'password_confirmation',
    ];
 
    /**
     * Report or log an exception.
     *
     * @param  \Exception  $exception
     * @return void
     */
    public function report(Exception $exception)
    {
        parent::report($exception);
    }
 
    /**
     * Render an exception into an HTTP response.
     *
     * @param  \Illuminate\Http\Request  $request
     * @param  \Exception  $exception
     * @return \Illuminate\Http\Response
     */
    public function render($request, Exception $exception)
    {
        return parent::render($request, $exception);
    }
}
 
Arguments
  1. ErrorException {
      #message: "file_put_contents(/home/naruto2020/public_html/storage/framework/sessions/LnjJjVunnXssjXSAVyP3grrJv629j84Uqzyh0YaU): failed to open stream: Permission denied"
      #code: 0
      #file: "/home/naruto2020/public_html/vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php"
      #line: 122
      #severity: E_WARNING
    }
    
/home/naruto2020/public_html/vendor/laravel/framework/src/Illuminate/Foundation/Bootstrap/HandleExceptions.php
    }
 
    /**
     * Handle an uncaught exception from the application.
     *
     * Note: Most exceptions can be handled via the try / catch block in
     * the HTTP and Console kernels. But, fatal error exceptions must
     * be handled differently since they are not normal exceptions.
     *
     * @param  \Throwable  $e
     * @return void
     */
    public function handleException($e)
    {
        if (! $e instanceof Exception) {
            $e = new FatalThrowableError($e);
        }
 
        try {
            $this->getExceptionHandler()->report($e);
        } catch (Exception $e) {
            //
        }
 
        if ($this->app->runningInConsole()) {
            $this->renderForConsole($e);
        } else {
            $this->renderHttpResponse($e);
        }
    }
 
    /**
     * Render an exception to the console.
     *
     * @param  \Exception  $e
     * @return void
     */
    protected function renderForConsole(Exception $e)
    {
        $this->getExceptionHandler()->renderForConsole(new ConsoleOutput, $e);
Arguments
  1. ErrorException {
      #message: "file_put_contents(/home/naruto2020/public_html/storage/framework/sessions/LnjJjVunnXssjXSAVyP3grrJv629j84Uqzyh0YaU): failed to open stream: Permission denied"
      #code: 0
      #file: "/home/naruto2020/public_html/vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php"
      #line: 122
      #severity: E_WARNING
    }
    
[internal]
Arguments
  1. ErrorException {
      #message: "file_put_contents(/home/naruto2020/public_html/storage/framework/sessions/LnjJjVunnXssjXSAVyP3grrJv629j84Uqzyh0YaU): failed to open stream: Permission denied"
      #code: 0
      #file: "/home/naruto2020/public_html/vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php"
      #line: 122
      #severity: E_WARNING
    }
    

Environment & details:

empty
empty
empty
empty
empty
Key Value
TZ
"Asia/Kolkata"
REDIRECT_REDIRECT_UNIQUE_ID
"YQwadBQxi2D3N0zXfSPvIQAAAA8"
REDIRECT_REDIRECT_SCRIPT_URL
"/services/nidhi-mutual-benefit-company-registration"
REDIRECT_REDIRECT_SCRIPT_URI
"https://legalraj.com/services/nidhi-mutual-benefit-company-registration"
REDIRECT_REDIRECT_HTTPS
"on"
REDIRECT_REDIRECT_SSL_TLS_SNI
"legalraj.com"
REDIRECT_REDIRECT_STATUS
"200"
REDIRECT_UNIQUE_ID
"YQwadBQxi2D3N0zXfSPvIQAAAA8"
REDIRECT_SCRIPT_URL
"/services/nidhi-mutual-benefit-company-registration"
REDIRECT_SCRIPT_URI
"https://legalraj.com/services/nidhi-mutual-benefit-company-registration"
REDIRECT_HTTPS
"on"
REDIRECT_SSL_TLS_SNI
"legalraj.com"
REDIRECT_HANDLER
"application/x-httpd-ea-php73"
REDIRECT_STATUS
"200"
UNIQUE_ID
"YQwadBQxi2D3N0zXfSPvIQAAAA8"
SCRIPT_URL
"/services/nidhi-mutual-benefit-company-registration"
SCRIPT_URI
"https://legalraj.com/services/nidhi-mutual-benefit-company-registration"
HTTPS
"on"
SSL_TLS_SNI
"legalraj.com"
HTTP_USER_AGENT
"CCBot/2.0 (https://commoncrawl.org/faq/)"
HTTP_ACCEPT
"text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8"
HTTP_ACCEPT_LANGUAGE
"en-US,en;q=0.5"
HTTP_IF_MODIFIED_SINCE
"Thu, 15 Apr 2021 10:26:47 GMT"
HTTP_ACCEPT_ENCODING
"br,gzip"
HTTP_HOST
"legalraj.com"
HTTP_CONNECTION
"Keep-Alive"
HTTP_X_HTTPS
"1"
PATH
"/usr/local/jdk/bin:/usr/kerberos/sbin:/usr/kerberos/bin:/usr/local/sbin:/usr/local/bin:/sbin:/bin:/usr/sbin:/usr/bin:/usr/X11R6/bin:/usr/local/bin:/usr/X11R6/bin:/root/bin:/opt/bin"
SERVER_SIGNATURE
""
SERVER_SOFTWARE
"Apache"
SERVER_NAME
"legalraj.com"
SERVER_ADDR
"**************"
SERVER_PORT
"***"
REMOTE_ADDR
"3.235.227.117"
DOCUMENT_ROOT
"****************************"
REQUEST_SCHEME
"https"
CONTEXT_PREFIX
"/cgi-sys"
CONTEXT_DOCUMENT_ROOT
"/usr/local/cpanel/cgi-sys/"
SERVER_ADMIN
"**********************"
SCRIPT_FILENAME
"**************************************"
REMOTE_PORT
"*****"
REDIRECT_URL
"/index.php"
GATEWAY_INTERFACE
"CGI/1.1"
SERVER_PROTOCOL
"HTTP/1.1"
REQUEST_METHOD
"GET"
QUERY_STRING
""
REQUEST_URI
"/services/nidhi-mutual-benefit-company-registration"
SCRIPT_NAME
"/index.php"
ORIG_SCRIPT_FILENAME
"/usr/local/cpanel/cgi-sys/ea-php73"
ORIG_PATH_INFO
"/index.php"
ORIG_PATH_TRANSLATED
"**************************************"
ORIG_SCRIPT_NAME
"/cgi-sys/ea-php73"
PHP_SELF
"/index.php"
REQUEST_TIME_FLOAT
1628183157.2814
REQUEST_TIME
1628183157
argv
[]
argc
0
APP_NAME
"Laravel"
APP_ENV
"local"
APP_KEY
"***************************************************"
APP_DEBUG
"true"
APP_URL
"http://localhost"
LOG_CHANNEL
"stack"
DB_CONNECTION
"*****"
DB_HOST
"127.0.0.1"
DB_PORT
"3306"
DB_DATABASE
"*****************"
DB_USERNAME
"*****************"
DB_PASSWORD
"******************"
BROADCAST_DRIVER
"log"
CACHE_DRIVER
"file"
SESSION_DRIVER
"file"
SESSION_LIFETIME
"120"
QUEUE_DRIVER
"sync"
REDIS_HOST
"127.0.0.1"
REDIS_PASSWORD
"****"
REDIS_PORT
"****"
GUPSHUP_USER_ID
"**********"
GUPSHUP_PASSWORD
"*********"
GUPSHUP_FROM
"********"
MAIL_DRIVER
"smtp"
MAIL_HOST
"*****************"
MAIL_PORT
"***"
MAIL_USERNAME
"******************"
MAIL_PASSWORD
"****************"
MAIL_ENCRYPTION
"tls"
MAIL_FROM_ADDRESS
"******************"
MAIL_FROM_NAME
"********"
PAYPAL_MODE
"****"
PAYPAL_CLIENT_ID
"********************************************************************************"
PAYPAL_SECRET
"********************************************************************************"
PUSHER_APP_ID
""
PUSHER_APP_KEY
""
PUSHER_APP_SECRET
""
PUSHER_APP_CLUSTER
"mt1"
MIX_PUSHER_APP_KEY
""
MIX_PUSHER_APP_CLUSTER
"mt1"
Key Value
APP_NAME
"Laravel"
APP_ENV
"local"
APP_KEY
"***************************************************"
APP_DEBUG
"true"
APP_URL
"http://localhost"
LOG_CHANNEL
"stack"
DB_CONNECTION
"*****"
DB_HOST
"127.0.0.1"
DB_PORT
"3306"
DB_DATABASE
"*****************"
DB_USERNAME
"*****************"
DB_PASSWORD
"******************"
BROADCAST_DRIVER
"log"
CACHE_DRIVER
"file"
SESSION_DRIVER
"file"
SESSION_LIFETIME
"120"
QUEUE_DRIVER
"sync"
REDIS_HOST
"127.0.0.1"
REDIS_PASSWORD
"****"
REDIS_PORT
"****"
GUPSHUP_USER_ID
"**********"
GUPSHUP_PASSWORD
"*********"
GUPSHUP_FROM
"********"
MAIL_DRIVER
"smtp"
MAIL_HOST
"*****************"
MAIL_PORT
"***"
MAIL_USERNAME
"******************"
MAIL_PASSWORD
"****************"
MAIL_ENCRYPTION
"tls"
MAIL_FROM_ADDRESS
"******************"
MAIL_FROM_NAME
"********"
PAYPAL_MODE
"****"
PAYPAL_CLIENT_ID
"********************************************************************************"
PAYPAL_SECRET
"********************************************************************************"
PUSHER_APP_ID
""
PUSHER_APP_KEY
""
PUSHER_APP_SECRET
""
PUSHER_APP_CLUSTER
"mt1"
MIX_PUSHER_APP_KEY
""
MIX_PUSHER_APP_CLUSTER
"mt1"
0. Whoops\Handler\PrettyPageHandler