Savings Deposit
Flexible member savings with account access, nomination and applicable balance requirements.
- Minimum amount
- [VERIFY: Minimum balance]
- Tenure
- Ongoing (no fixed tenure)
- Effective from
- [VERIFY: Effective date]
A mutual-benefit company for its members
Member-Focused Savings and Secured Financial Support
Anjani Nidhi helps eligible members build disciplined savings and access approved secured loans through transparent terms, convenient local service and responsible member support.
Verified company information
We publish only audited or legally verifiable facts. Items marked [VERIFY] are pending documentary confirmation and compliance review.
- Legal company name
- Anjani Nidhi Limited [VERIFY]
- Incorporation year
- [VERIFY]
- CIN
- [VERIFY: Corporate Identification Number]
- Registered office
- [VERIFY: Registered office address]
- Active branches
- [VERIFY]
- Active members
- [VERIFY]
What is Anjani Nidhi?
Anjani Nidhi is a mutual-benefit company formed to encourage savings among its members and provide eligible members with financial assistance in accordance with applicable Nidhi rules and company policies.
Member savings
Deposit services available only to eligible, approved members. Current terms are governed by the applicable member circular.
Recurring Deposit
A disciplined monthly contribution plan designed to help members save toward planned goals.
- Minimum amount
- ₹[VERIFY] per month
- Tenure
- [VERIFY: e.g. 12 to 60 months]
- Effective from
- [VERIFY: Effective date]
Fixed Deposit
A fixed-tenure member deposit with returns calculated according to the applicable member circular.
- Minimum amount
- ₹[VERIFY]
- Tenure
- [VERIFY: e.g. 6 to 60 months]
- Effective from
- [VERIFY: Effective date]
Monthly Income Deposit
A fixed-tenure member deposit that pays periodic income at the applicable rate. [VERIFY: publish only if genuinely offered]
- Minimum amount
- ₹[VERIFY]
- Tenure
- [VERIFY]
- Effective from
- [VERIFY: Effective date]
Member loans
Secured facilities available only to eligible members, subject to valuation, documentation and approval.
Gold Loan
A secured facility available to eligible members against approved gold ornaments, subject to valuation and approval.
- Available only to eligible members
- Secured facility — subject to valuation and approval
- Interest and charges as per the applicable circular
Loan Against Deposit
A secured facility for eligible members against their own Anjani Nidhi deposit, subject to policy and approval.
- Available only to eligible members
- Secured facility — subject to valuation and approval
- Interest and charges as per the applicable circular
Property-Secured Loan
A secured facility for eligible members against approved immovable property, subject to valuation, title verification and approval.
- Available only to eligible members
- Secured facility — subject to valuation and approval
- Interest and charges as per the applicable circular
Why members choose Anjani
Transparent product information
Every product page states eligibility, minimum amounts, tenure and calculation method.
Clear rates and charges
Rates are published with circular numbers and effective dates — never without context.
Local branch assistance
Authorized branch teams help with applications, documents and servicing.
Documented grievance process
A published grievance policy with reference numbers and defined escalation levels.
Nomination support
Nomination facilities on deposits, with simple forms and branch assistance.
Convenient calculators and forms
Illustrative calculators and downloadable forms for every common request.
How membership works
A clear, documented process from enquiry to member services.
- 1
Check eligibility
Understand membership criteria and required documents.
- 2
Complete the application
Submit the membership form and KYC documents through an authorized channel.
- 3
Verification and approval
The company verifies the information and completes the applicable membership process.
- 4
Access member services
Approved members can access eligible savings and secured-loan services.
Calculators
Estimate deposit maturity or loan instalments. Results are illustrative only and do not constitute approval, an offer or a guaranteed return.
₹1,00,000
₹5,000₹20,00,000
7 %
1 %12 %
24 months
6 months120 months
Results are illustrative estimates only and do not constitute approval, an offer or a guaranteed return. Actual figures depend on the applicable member circular, rate effective dates, payment regularity, deductions and company terms. Services are available only to eligible members, subject to approval.
Estimated result
- Deposit amount
- ₹1,00,000
- Estimated interest
- ₹14,888
- Estimated maturity value
- ₹1,14,888
Calculation basis: compound interest, compounded quarterly on the deposit amount for the selected tenure. The rate used is an input for illustration; the applicable rate is specified in the current member circular with its effective date.
Request details from a branchCurrent rates and notices
Member-rate circular
Current circular: [VERIFY: Rates last updated date]
Applicable deposit and loan rates are published with circular numbers and effective dates on the Rates and Charges page, along with an archive of previous circulars.
Important notices
Current member-rate circular [VERIFY]
Rate Circular · [VERIFY]
Website under content verification
Important Notice · [VERIFY]
Governance and transparency
Verifiable disclosures are our main commitment to members.
Annual Reports
Yearly archive of annual reports and audited financial statements.
Rates and Charges
Current circular with effective dates and previous versions.
Fair Practice Code
Our commitments on transparency, fair assessment and ethical recovery.
Grievance Redressal
Complaint channels, grievance officer and escalation levels.
Branch network
Search branches by state, district, city or PIN code. Every listed branch is a real operating location.
[VERIFY: Head Office / Branch name]
[VERIFY: Complete address], [VERIFY: City], [VERIFY: State] — [VERIFY]
[VERIFY] · Mon–Sat, 9:30 AM – 5:30 PM [VERIFY]
Member education
What is a Nidhi company?
Understand the mutual-benefit principle, member-only structure and how a Nidhi differs from a bank.
Read moreFD versus RD: understanding the difference
Compare fixed-tenure lump-sum deposits with disciplined monthly saving to choose what fits your goal.
Read moreHow to protect yourself from OTP fraud
Simple habits that keep your accounts safe — and how to verify an authorized Anjani representative.
Read moreFrequently asked questions
Who can become an Anjani Nidhi member?
Individuals who meet the company's membership eligibility criteria and complete the prescribed application, KYC and approval process can become members. See the Membership page for details.
Are services available to non-members?
No. Anjani Nidhi provides deposit and loan services only to eligible, approved members in accordance with applicable Nidhi rules and company policies.
What documents are required?
Typically the membership application form, PAN, approved identity proof, approved address proof and photographs. The exact list is provided on the Membership page and confirmed at the branch.
How do I add a nominee?
Submit the prescribed nomination form at your branch. Nomination can be registered at account opening or added or updated later.
How are deposit returns calculated?
Returns are calculated according to the rate, method and effective date specified in the applicable member circular for each product and tenure.
Are calculator results guaranteed?
No. Calculator results are illustrative estimates only. They do not constitute approval, an offer or a guaranteed return. Actual figures depend on the applicable circular and company terms.
How do I apply for a secured loan?
Submit an enquiry or visit an authorized branch. All loans are available only to eligible members, are secured in nature and are subject to valuation, documentation and approval.
How can I submit a complaint?
Use the complaint form on the Grievance Redressal page, email the grievance officer or contact your branch. Every complaint receives a reference number and follows the documented escalation process.
How do I verify an Anjani employee or representative?
Contact the official customer-care number or your branch to confirm whether a person is an authorized representative. Never share OTP, PIN or passwords with anyone.
Where can I find the latest rates and charges?
The Rates and Charges page publishes the current member-rate circular with its effective date, along with an archive of previous circulars.
Protect yourself from fraud
Never share your OTP, PIN, password or card details with anyone — including anyone claiming to represent Anjani Nidhi. We never ask for these details by phone, SMS, email or website forms. Verify representatives through our official customer-care number before sharing any information.
Still have a question?
Visit the full FAQ page or contact your nearest authorized branch.
Interested in becoming an Anjani Nidhi member?
Review the eligibility requirements and submit a membership enquiry. Our authorized team will explain the process, documents and applicable terms.