Comprehensive Financial Offerings
Exclusive mutual benefit schemes structured precisely under legal Section 406 boundaries.
Fixed Deposits (FD)
Secure long-term investments offering heavy interest returns up to 11.5% p.a.
Recurring Deposits (RD)
Save systematically every month and earn compound interest up to 10.5% p.a.
Savings Accounts
Access daily liquid funds easily while earning high yield savings interest up to 6.0% p.a.
Gold Loans
Unlock spot cash against gold jewelry with minimal KYC and bank-safe vault storage.
Mortgage Loans
Acquire higher funding amounts secured against residential or commercial properties.
Advisor Opportunities
Partner with Swabhiman Nidhi as an Advisor agent and earn highly rewarding commissions.
Happy Members
Total Deposits
Customer Service Points
Audit Score
Premium Yield Deposit Schemes
Grow your savings secure in the knowledge that your deposits are backed strictly by compliant reserves.
Fixed Deposit Scheme
Up to 11.5% p.a.Earn high yield returns with secure fixed-term deposits.
- Flexible tenures ranging from 12 months to 60 months
- Nomination facility available
- Guaranteed returns under Nidhi Rules 2014 guidelines
Recurring Deposit Scheme
Up to 10.5% p.a.Build a disciplined saving habit monthly and earn heavy interest.
- Small periodic investments for systematic compounding
- Minimum monthly payment starting from just ₹500
- Flexible maturity options from 12 to 60 months
Savings Deposit Scheme
Up to 6.0% p.a.Access your funds at any time with a solid growth interest.
- High liquidity with no lock-in periods
- Earn higher interest compared to traditional financial institutions
- Personalized passbook and regular statements
Secured Lending Products
Acquire necessary immediate cash flows with gold-standard secure vault protection and legal asset appraisal.
Gold Loan
Starting at 12.0% p.a.Unlock the value of your gold instantly with low interest rates.
- Spot disbursement directly to your registered account
- Safe storage in secure double-locked vaults
- Flexible repayment options including bullet repayment
Mortgage Loan
Starting at 14.5% p.a.Secure larger capital requirements by mortgaging your property.
- High loan amounts with longer repayment tenures up to 7 years
- Transparent property valuation and title checks
- Easy monthly EMI structures
Why Members Trust Swabhiman Nidhi
Cultivating safe growth opportunities with legal certainty under MCA and Section 406 boundaries.
100% Legal & Safe
Registered under the Companies Act 2013 and fully compliant with Section 406 (Nidhi Rules 2014) of MCA.
Attractive Returns
Earn up to 11.5% p.a. on Fixed Deposits, much higher than standard financial channels.
Instant Loans
Avail quick gold and property mortgage loans with minimal paperwork and instant disbursal.
Complete Transparency
No hidden charges, annual statements, and regular SMS alerts ensure you are always in control of your wealth.
News & Regulatory Advisories
Stay updated with our latest interest hikes, official MCA filing releases, and regional events.
Notice of the Annual General Meeting (AGM) 2026
Official announcement regarding the upcoming AGM for all active shareholders and members of Swabhiman Pawan Nidhi Limited.
Interest Rates Hiked on Fixed Deposits
Great news for depositors! We have increased our FD interest rates up to 11.5% p.a. to help you grow your investments faster.
Launch of Our New Online Member Portal
Members can now view their savings balances, deposit maturity details, and download tax statements directly from our new portal.