As a Nidhi company, Saubhagya International Limited provides loan facilities exclusively to its members. Our loan services are designed to be accessible, transparent, and affordable — helping members meet their financial needs within a structured framework.
All loans are disbursed in accordance with the Nidhi Rules, 2014 and the company's internal policies. Loan terms, interest rates, and eligibility criteria are clearly defined and communicated to members upfront.
Important Disclaimer: Loan types, interest rates, eligibility criteria, and terms mentioned below are indicative and subject to change. All loans are subject to approval and company policies. Please contact us for confirmed details.
Avail a loan against your existing fixed or recurring deposit with the company. Quick processing with competitive interest rates.
Max Loan: 80% of the deposit
Interest Rate: Min 11% and Max 13%
Member-focused business finance support for working capital, expansion, and operational requirements, subject to company approval.
Max Loan: 10 Lakh
Interest Rate: Min 4% and Max 18%
Secured loan against gold or other accepted jewellery. Quick disbursal with standard valuation process.
Max Limit: 75% of the Gold Value
Interest Rate: Max 18%
Note: As per Nidhi Rules, 2014, loans can only be provided to members of the company. The maximum loan amount and terms are governed by the company's net owned funds and applicable regulations.
Ensure you are a registered member and meet the loan eligibility criteria.
Fill out the loan application form and submit along with required documents.
Application is reviewed, documents verified, and collateral assessed (if applicable).
Upon approval, the loan amount is disbursed as per the agreed terms and conditions.
All rates are indicative. Please contact us for confirmed current rates.
| Loan Type | Interest Rate (p.a.) | Max Amount |
|---|---|---|
| Loan Against Deposit | Min 11% - Max 13% | 80% of the deposit |
| Business Loan | Min 4% - Max 18% | 10 Lakh |
| Gold Loan | Max 18% | 75% of the Gold Value |
All loan terms, interest rates, and repayment schedules are clearly communicated before disbursement.
Processing fees, if any, are disclosed upfront. No surprise deductions or charges.
Minimal paperwork and a straightforward approval process designed for member convenience.
All loans are governed by internal policies consistent with the Nidhi Rules, 2014.
