Our Commitment to Transparency

We believe in maintaining complete transparency with our members. Below you will find our key corporate documents, regulatory filings, and compliance information.

Note: Some documents listed below are placeholders and will be made available as and when they are prepared and filed. For immediate access to any specific document, please contact our office.

Registration & Incorporation

Certificate of Incorporation

CIN: U66300UP2026PLC245639

Available on Request

Memorandum of Association (MOA)

Company incorporation document

Available on Request

Articles of Association (AOA)

Rules governing the company

Available on Request

Annual Returns & Financial Statements

Note: Annual returns and financial statements will be made available after the completion of the first financial year and filing with the Registrar of Companies.

Annual Return (MGT-7)

To be filed after first AGM

Upcoming

Financial Statements (AOC-4)

Balance sheet, P&L, and notes

Upcoming

Nidhi Return (NDH-3)

Half-yearly return as required under Nidhi Rules

Upcoming

Company Policies & Guidelines

Deposit Policy

Terms and conditions for accepting deposits from members

Available on Request

Loan Policy

Loan eligibility, terms, interest rates, and repayment guidelines

Available on Request

Membership Guidelines

Membership criteria, rights, and responsibilities

Available on Request

Grievance Redressal Policy

Process for member complaints and resolution

Available on Request

Our Regulatory Framework

Companies Act, 2013

Saubhagya International Limited is incorporated as a Public Limited Company under the Companies Act, 2013. The company is recognized as a Nidhi Company under Section 406 of the Act and complies with all relevant provisions including annual filings, board meetings, and statutory disclosures.

Nidhi Rules, 2014

The company operates in accordance with the Nidhi Rules, 2014 (as amended), which prescribe:

  • Minimum number of members and net owned funds requirements
  • Limits on deposit acceptance and loan disbursement
  • Ratio of net owned funds to deposits
  • Restrictions on opening branches
  • Filing of half-yearly returns (NDH-3)
  • General meeting and reporting requirements

Commitment: We are committed to maintaining full compliance with all applicable laws and regulations. Members can request compliance-related information by contacting our office.

Need a Specific Document?

Contact our office to request access to any company document or compliance filing.