{"id":14017,"date":"2018-08-31T07:56:47","date_gmt":"2018-08-31T07:56:47","guid":{"rendered":"https:\/\/www.legalraasta.com\/blog\/?p=14017"},"modified":"2026-04-08T11:17:50","modified_gmt":"2026-04-08T05:47:50","slug":"nbfc-nidhi-company-microfinance-company","status":"publish","type":"post","link":"https:\/\/www.legalraasta.com\/blog\/nbfc-nidhi-company-microfinance-company\/","title":{"rendered":"NBFC Vs Nidhi Company Vs Micro-Finance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.legalraasta.com\/blog\/nbfc-nidhi-company-microfinance-company\/#What_is_NBFC\" title=\"What is NBFC\">What is NBFC<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.legalraasta.com\/blog\/nbfc-nidhi-company-microfinance-company\/#NBFC_Nidhi_Company_Microfinance_company_Denifition_with_Regulations\" title=\"NBFC, Nidhi Company, Microfinance company Denifition with Regulations\">NBFC, Nidhi Company, Microfinance company Denifition with Regulations<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.legalraasta.com\/blog\/nbfc-nidhi-company-microfinance-company\/#NBFC_Registration_and_Regulations\" title=\"NBFC Registration and Regulations\">NBFC Registration and Regulations<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.legalraasta.com\/blog\/nbfc-nidhi-company-microfinance-company\/#What_is_Nidhi_Company\" title=\"What is Nidhi Company\">What is Nidhi Company<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.legalraasta.com\/blog\/nbfc-nidhi-company-microfinance-company\/#Requirements_and_regulation_for_Nidhi_Company\" title=\"Requirements and regulation for Nidhi Company\">Requirements and regulation for Nidhi Company<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.legalraasta.com\/blog\/nbfc-nidhi-company-microfinance-company\/#What_is_a_micro-finance_company\" title=\"What is a micro-finance company\">What is a micro-finance company<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.legalraasta.com\/blog\/nbfc-nidhi-company-microfinance-company\/#Regulations_for_Micro-finance_company\" title=\"Regulations for Micro-finance company\">Regulations for Micro-finance company<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"What_is_NBFC\"><\/span>What is NBFC<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>An<a href=\"https:\/\/www.legalraasta.com\/blog\/regulations-for-nbfcs\/\" target=\"_blank\" rel=\"noopener noreferrer\"> NBFC<\/a> is defined as the business of loans and advances or acquisition of shares, stocks, debentures, bonds as well as securities whether issued by the government or local authority but excluding such institutions whose principal business is related to agricultural activities, industrial activity or purchase or sale of any goods or services. Non-banking financial institutions usually have a principal\u00a0business of receiving deposits under any scheme in one lump sum or in installments whether by contribution or by any other method. In this article, we will let you know the difference between NBFC, Nidhi company, Microfinance company.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"NBFC_Nidhi_Company_Microfinance_company_Denifition_with_Regulations\"><\/span><strong>NBFC, Nidhi Company, Microfinance company Denifition with Regulations<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"NBFC_Registration_and_Regulations\"><\/span><strong><a href=\"https:\/\/www.legalraasta.com\/nbfc-registration\/\" target=\"_blank\" rel=\"noopener noreferrer\">NBFC Registration<\/a> and Regulations<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Once the incorporation been done under the <a href=\"https:\/\/www.legalraasta.com\/companies-act-2013\/\" target=\"_blank\" rel=\"noopener noreferrer\">Companies Act<\/a>, the public deposits accepted by NBFCs shall follow some rules and regulations of the Reserve bank of India.<\/p>\n<ol>\n<li>Deposits repayable on demand is not allowed in <a href=\"https:\/\/www.legalraasta.com\/blog\/classification-of-nbfcs-in-india\/\" target=\"_blank\" rel=\"noopener noreferrer\">NBFCs<\/a><\/li>\n<li>The minimum period of public deposits is 12 months and the maximum period of 60 months can be received.<\/li>\n<li>Deposits interest rate must not be higher than the ceiling rate as prescribed by RBI.<\/li>\n<li>The deposits are not insured and there is no guarantee of their repayment by RBI.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Nidhi_Company\"><\/span><strong>What is Nidhi Company<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The word Nidhi in the Indian language means TREASURE. The company which is incorporated as a Nidhi with the object of Cultivating the habit of thrift and savings amongst its members is known as <a href=\"https:\/\/www.legalraasta.com\/nidhi-company\/\" target=\"_blank\" rel=\"noopener noreferrer\">Nidhi company<\/a>. Besides, receiving deposits from and lending to, its members only for their mutual benefits and which complies. However, according to the Indian financial sector, it refers to a mutual benefit society notified by the Central\/ Union Government as a <a href=\"https:\/\/www.legalraasta.com\/blog\/run-nidhi-company\/\" target=\"_blank\" rel=\"noopener noreferrer\">Nidhi company<\/a>. If a company is carrying on Nidhi business such as borrowing from members and lending to members only, are known under different names like Nidhi, Permanent Fund, Benefits Funds, Mutual Benefits Funds and Mutual Benefits Company.<\/p>\n<p>If you want to know more about NBFC, Nidhi company, Microfinance company then must follow our <a href=\"https:\/\/www.legalraasta.com\/blog\/\" target=\"_blank\" rel=\"noopener noreferrer\">blog<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Requirements_and_regulation_for_Nidhi_Company\"><\/span><strong>Requirements and regulation for Nidhi Company<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>There are certain requirements of Nidhi company\u00a0which are given below:<\/p>\n<ul>\n<li>Any Nidhi company incorporated under this act will be considered as a <a href=\"https:\/\/www.legalraasta.com\/public-company-registration\/\" target=\"_blank\" rel=\"noopener noreferrer\">public company<\/a>.<\/li>\n<li>It is mandatory to have a minimum paid up equity share capital of Rs. 5 lakhs.<\/li>\n<li>There will be no preference\u00a0shares that would be issued.<\/li>\n<li>If in case, the preference shares already issued then that will be redeemed as per the terms.<\/li>\n<li>The objective of <a href=\"https:\/\/www.legalraasta.com\/register-nidhi-company\/\" target=\"_blank\" rel=\"noopener noreferrer\">Nidhi company registration<\/a> shall be cultivating the habit of thrift and savings amongst its members and as described above.<\/li>\n<li>It has a name with the words &#8216;Nidhi Limited&#8217; as its part.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_micro-finance_company\"><\/span><strong>What is a micro-finance company<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Micro-finance is also known as microcredit. It is a financial service dealing with the loans, savings, and insurance to entrepreneurs\u00a0and person who has a small business. Generally, these small business owners do not have access to traditional sources of capital such as banks or investors. The agenda of a microfinance company is to provide money to the individuals so that he\/she can invest in their own business or by themselves. However, the consumers are looking for the small denomination of loans to finance the purchase of a specific equipment as well as for the capital to start a small business.<\/p>\n<p>Our Legal Raasta blog can help you to provide further differences between NBFC, Nidhi Company, <a href=\"https:\/\/www.legalraasta.com\/blog\/nbfc-mfi-registration-and-requirements\/\" target=\"_blank\" rel=\"noopener noreferrer\">Microfinance Company with the registration process<\/a>. Register your NBFC now by clicking <a href=\"https:\/\/www.legalraasta.com\/nbfc-registration\/\" target=\"_blank\" rel=\"noopener noreferrer\">here<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Regulations_for_Micro-finance_company\"><\/span><strong>Regulations for Micro-finance company<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>There is no minimum capital requirement. The registration is a very easy process. The deposit mobilization from the public is not allowed in case of societies,<\/li>\n<li>In case of a trust, there is no minimum capital requirement. It shall not deposit mobilization form public. Besides, there is a limited scope for expansion.<\/li>\n<li>In case of NBFC-MFI, the registration would be taken up with RBI. Minimum requirement of capital Rs. 5 crores to start MFI. It is not allowed to deposit mobilization from the public.<\/li>\n<li>In case of corporative societies, the Registration process is as easy as others except for Maharashtra. It is allowed to collect deposits from members.<\/li>\n<\/ul>\n<p>For further more information regarding <a href=\"https:\/\/www.legalraasta.com\/nbfc-registration\/\" target=\"_blank\" rel=\"noopener noreferrer\">NBFC Registration<\/a>, <a href=\"https:\/\/www.legalraasta.com\/register-nidhi-company\/\" target=\"_blank\" rel=\"noopener noreferrer\">Nidhi company registration<\/a>, <a href=\"https:\/\/www.legalraasta.com\/blog\/nbfc-mfi-directions-in-india\/\" target=\"_blank\" rel=\"noopener noreferrer\">Directions for NBFC-MFI\u00a0<\/a> you can visit our website: <a href=\"https:\/\/www.legalraasta.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Legal Raasta<\/a><\/p>\n<p>You can ring us on 8750048585 and you can send your query on Email: <a href=\"mailto:contact@legalraasta.com\" target=\"_blank\" rel=\"noopener noreferrer\">contact@legalraasta.com<\/a><\/p>\n<blockquote>\n<p>Related Articles:<\/p>\n<p><a href=\"https:\/\/www.legalraasta.com\/blog\/nbfc-mfi-registration-and-requirements\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;NBFC Micro Finance Institution Requirements &amp; Registration&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\">NBFC Micro Finance Institution Requirements &amp; Registration<\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.legalraasta.com\/blog\/nbfc-mfi-directions-in-india\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Micro Finance Institutions' (NBFC-MFIs) \u2013 Directions&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\">Micro Finance Institutions&#8217; (NBFC-MFIs) \u2013 Directions<\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.legalraasta.com\/blog\/restrictions-nidhi-company\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Restrictions on NIDHI Company&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:8403901,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;10&quot;:2,&quot;11&quot;:0,&quot;12&quot;:0,&quot;14&quot;:[null,2,0],&quot;15&quot;:&quot;Calibri, sans-serif&quot;,&quot;16&quot;:11,&quot;26&quot;:400}\">Restrictions on NIDHI Company<\/span><\/a><\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>What is NBFC An NBFC is defined as the business of loans and advances or acquisition of shares, stocks, debentures, bonds as well as securities whether issued by the government or local authority but excluding such institutions whose principal business is related to agricultural activities, industrial activity or purchase or sale of any goods or services. [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":14028,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[141],"tags":[326,174,325,328,148,327],"class_list":["post-14017","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nbfc","tag-microfinance-company","tag-nbfc","tag-nidhi-company","tag-regulations-of-microfinance-company","tag-regulations-of-nbfc","tag-regulations-of-nidhi-company"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>NBFC, Nidhi company, Microfinance company | Legal Raasta |<\/title>\n<meta name=\"description\" content=\"In this article, we will let you know the difference between NBFC, Nidhi company, Microfinance company with the regulations with RBI.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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