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: [To be confirmed — e.g., up to 75% of deposit]
Interest Rate: [To be confirmed]
Tenure: [To be confirmed]
Member personal loans for various needs. Subject to eligibility criteria, membership tenure, and company approval.
Max Loan: [To be confirmed]
Interest Rate: [To be confirmed]
Eligibility: [To be confirmed]
Secured loan against gold or other accepted jewellery. Quick disbursal with standard valuation process.
Max Loan: [To be confirmed]
Interest Rate: [To be confirmed]
Tenure: [To be confirmed]
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 Tenure | Max Amount |
|---|---|---|---|
| Loan Against Deposit | [To be confirmed] | [To be confirmed] | [To be confirmed] |
| Personal Loan | [To be confirmed] | [To be confirmed] | [To be confirmed] |
| Loan Against Jewellery | [To be confirmed] | [To be confirmed] | [To be confirmed] |
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.
