Cultivating Thrift.
Securing Member Futures.
BSL Nidhi Limited offers disciplined savings schemes with competitive quarterly compounded returns and prompt, secure credit solutions tailored exclusively for enrolled members.
Statutory Regulatory Compliance
Governed under Section 406 of the Companies Act, 2013 and Nidhi Rules, 2014.
Guaranteed Safe Custody
Ornaments and deposit certificates maintained in bank-grade safe vaults.
Ethical & Transparent Returns
Quarterly compounding and prompt monthly income credits straight to savings accounts.
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Committed to ethical, transparent, and legally tenable financial services.
Disciplined Savings with Superior Returns
Choose from our tailored deposit schemes structured for regular growth, senior citizen security, and monthly cash flow.
Fixed Deposit Scheme
Lump-sum investment with quarterly compounding returns and flexible tenures.
- High yield returns up to 12.00% per annum
- Loan against FD facility available up to 90% of deposit value
- Nomination facility available and recommended
Recurring Deposit Scheme
Systematic monthly disciplined savings plan that matures with high accumulated interest.
- Cultivates systematic monthly savings discipline
- Starting from as low as ₹500 per month
- Loans available against active regular RD accounts
Monthly Income Scheme (MIS)
Ideal for retirees and passive income seekers looking for guaranteed monthly interest cash flow.
- Predictable monthly earnings credited straight into your account
- 100% Principal amount returned securely at end of term
- Great for senior citizens and household budget support
Daily Deposit Scheme (DDS / Pigmy)
Small daily doorstep savings collection designed specifically for shopkeepers, traders, and daily earners.
- Authorized agent doorstep collection with physical/digital receipts
- Save small amounts daily (starts at ₹50/day)
- Senior citizens receive 0.50% extra interest on eligible tenures
Prompt Financial Credit for Members
Transparent, low-documentation lending solutions secured against gold, deposits, and real estate assets.
Loan Against Gold
Instant credit against gold ornaments with safe bank-grade vault custody and zero hidden penalties.
- Immediate disbursal with minimal documentation
- Ornaments insured and stored in bank-grade safe custody
- Flexible repayment options (monthly interest or bullet repayment)
Loan Against Deposit
Immediate liquidity against your FD or RD without breaking your investment or losing interest.
- Avail up to 90% of your Fixed or Recurring Deposit value
- Your original deposit keeps accumulating interest normally
- Zero CIBIL requirement; secured by your own deposit
Loan Against Property
Leverage residential or commercial real estate equity for business expansion or personal goals.
- Substantial loan quantum for business growth or personal needs
- Transparent valuation and prompt legal verification
- Competitive reducing balance interest rates
Why Choose BSL Nidhi Limited?
Built on four timeless pillars: integrity, relationship, diligence, and adaptability.
Statutory Governance
Incorporated under Companies Act, 2013 and regular statutory audits under Nidhi Rules 2014.
Superior Interest Yields
Earn higher compounded deposit interest compared to traditional commercial banking channels.
High-Security Vaults
Bank-grade safe custody for pledged gold ornaments with full physical inspection protocols.
Dedicated Service
Doorstep agent collection for DDS, instant transaction receipts, and friendly member support.
Have Questions About Our Deposit Schemes or Gold Loans?
Our branch executives are available Monday to Saturday (10:00 AM – 6:00 PM) to assist you.