Most popular
Swarna Regular
12.00%p.a.
- Tenure up to 12 months
- Pay interest monthly or at closure
- Part-release of ornaments allowed
Our branch will call you within one working day.
Incorporated under the Companies Act, 2013
Your ornaments are insured end to end
Weighed and tested in front of you
Agents with company ID cards
As a Nidhi company we lend and take deposits only from our own members — the same people who own the company.
Effective 1 September 2026. Interest is compounded quarterly and can be paid out monthly, quarterly, or at maturity.
| Tenure | Members | Senior citizen members | Effective yield* |
|---|
For private circulation among members only. Under the Nidhi Rules, 2014 we do not advertise to solicit deposits from the public. *Annualised yield at quarterly compounding for regular members.
1 pavan = 8 grams. Weight is net of stones and wax. Final amount is set by the branch appraiser.
Rate 8.50% p.a., compounded quarterly.
Ornaments or coins plus Aadhaar and PAN. New customers become members at the same counter.
Our certified appraiser tests purity and weighs net gold. You see every reading.
Ornaments are packed in a tamper-proof pouch you sign, then stored in our strong-room vault.
Cash up to the legal limit, the rest by NEFT or IMPS to your account — usually within 30 minutes.
A Nidhi is a company whose members save and borrow among themselves. Every depositor and borrower is a shareholder. The money raised in Alappuzha stays in Alappuzha and is lent back to the fishermen, coir workers, farmers, traders and families who put it there.
We are incorporated under the Companies Act, 2013, and file our half-yearly returns with the Ministry of Corporate Affairs.
Figures are placeholders — replace with your actual numbers before launch.
Our loans and deposits are open only to members, so every relationship begins with one share.
Original for verification, plus one self-attested copy.
Required for deposits of ₹50,000 and above.
Recent colour photos. We can take one at the branch.
Electricity bill, ration card or voter ID.
Monday to Saturday, 9:30 am to 5:30 pm. Closed on Sundays, second Saturdays and public holidays.
Sample branch list — addresses and phone numbers are placeholders.
At the registered office, Alappuzha, at 11:00 am. Notice and annual report sent to all members.
New FD rates apply to deposits opened or renewed on or after 1 September 2026.
All branches closed on Thiruvonam. Gold loan interest due dates falling on holidays move to the next working day.
Form NDH-3 for the half-year ended 31 March 2026 filed with the Registrar of Companies.
A Nidhi is a company incorporated under the Companies Act, 2013 and governed by the Nidhi Rules, 2014. It exists to build saving habits among its members and lends only to them. It is regulated by the Ministry of Corporate Affairs.
No. We accept deposits and give loans only to our members. You become a member by buying one equity share of ₹10 with your KYC documents — it takes about ten minutes at any branch.
Up to 75% of the market value of the net gold content. Use the gold loan calculator above for an estimate; the branch appraiser confirms the final figure after testing.
Your ornaments are sealed in a pouch you sign, stored in a burglary-resistant strong room, and covered by insurance for the whole loan period.
Talk to your branch before the due date — you can pay the interest and renew. If a loan stays overdue we send written notices before any auction, and any surplus from an auction is returned to you.
No. Deposit insurance by DICGC applies only to banks. Nidhi deposits are not covered, which is one reason we keep lending secured against gold, property and deposits.
Visit any of our 8 branches in Alappuzha district, Monday to Saturday.
Stay alert: Our staff will never ask for your OTP, PIN or password. We don't collect cash outside our branches except through ID-carrying RD agents. Report suspicious calls to the branch manager.
Online access to your gold loan, deposit and savings accounts will open here once the member portal is live.
Until then, your branch can share your account statement on WhatsApp or print a passbook update.