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About Us

AARAMBHA LAXMI NIDHI LIMITED. Nidhi Company registered® under Pursuant to Sub-Section (2) of section 7 of the Companies Act, 2013 and rule of 8 of the companies (Incorporation Rules, 2014) GPNL is regulated by Ministry of Corporate Affairs (MCA) and its rules. “Nidhi” means a company which has been incorporated as a Nidhi with 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, and which complies with such rules as are prescribed by the Central Government for regulation of such class of companies. The Central Government may by notification direct any of the provision of this Act shall not apply of shall apply with some exceptions, modifications and adaptation specified in the notification to any Nidhi company. Aarambha Laxmi Nidhi Limited founding members and is currently operational in the state of Maharashtra. The NIDHI is backed with members from variety of backgrounds, community, social status and age group, making it one of the most versatile organizations currently functional.

Aarambha Laxmi Nidhi Limited. is “public prosperity” by offering financial services to all groups of people and offering equal opportunity to all, to live an improved life by financial enablement and empowerment. The mission of the NIDHI is to create self sufficient sustainable ecosystem of members through Investment, the NIDHI is to enable financial inclusion by providing affordable financial services to the under – privileged and socially excluded community, and inculcate the saving habit among the common man through innovative low cast financial products and services using NIDHI’s regulations. The NIDHI is authorized by its laws to accept deposits from its members under different schemes, from saving account to term deposits like daily deposit, monthly deposit and fixed deposits. The deposit schemes are designed to deliver maximum value to its members, offering attractive rate of interest along-with other benefits. The NIDHI’s rate of interest is among the best rates offered in the industry in comparison to nationalized banks, financial institutions and other co – operative societies, making it the preferred choice of investment by members.

Aarambha Laxmi Nidhi Limited. is currently operating in Uttar Pradesh. Would be help of thousands adviser specialized in sales and marketing, helping the members choose the best plans for invest depending upon their requirements.

MEMBERSHIP

When you became a member of Aarambha Laxmi Nidhi Limited you are allotted one share under Nidhi notification norms is ₨ 10 only. But this gives you a right to participate in the management process of the organization through the MCA (Ministry of Corporate Affairs).

REGULATORY FRAMEWORK

Nidhis are companies registered® under section 620A of the Companies Act, 1956 (Section 406 of the new Companies Bill 2012, as passed by Lok Sabha) and is regulated by Ministry of Corporate Affairs (MCA).Even though Nidhis are regulated by the provisions of the Companies Act, 1956, they are exempted from certain provisions of the Act, as applicable to other companies, due to limiting their operations within members. Nidhis are also included in the definition of Non- Banking Financial companies or (NBFCs) which operate mainly in the unorganized money market. However, since 1997, NBFCs have been brought increasingly under the regulatory ambit of the RBI. Non-banking financial entities partially or wholly regulated by the RBI include:

LEGALITY

Nidhi (Mutual Benefit Society) Company

Nidhi in the Indian context / language means “treasure”. However, in the Indian financial sector it refers to any mutual benefit society notified by the Central / Union Government as a Nidhi Company. They are created mainly for cultivating the habit of thrift and savings amongst its members. The companies doing Nidhi business, viz. borrowing from members and lending to members only, are known under different names such as Nidhi, Permanent Fund, Benefit Funds, Mutual Benefit Funds and Mutual Benefit Company. Nidhis are more popular in South India and are highly localized single office institutions. They are mutual benefit societies, because their dealings are restricted only to the members; and membership is limited to individuals. The principal source of funds is the contribution from the members. The loans are given to the members at relatively reasonable rates for purposes such as house construction or repairs and are generally secured. The deposits mobilized by Nidhis are not much when compared to the organized banking sector.


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