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Section 406 Compliant

Recognized under Companies Act 2013 & regulated by Ministry of Corporate Affairs (MCA).

Safety First Mantra

Strict asset-liability management ensuring 100% security for all member deposits.

+0.50% Extra Returns

Dedicated higher interest rates for Senior Citizens, Defence VRS & Widows.

Doorstep Assistance

Personalized relationship managers, SMS alerts, passbooks, and doorstep service.

ABOUT ARTHYOJAN NIDHI

Developing the Habit of Thrift & Wealth Creation

Arthyojan Nidhi Limited is a Non-Banking Finance Institution incorporated with the core objective of cultivating financial discipline, thrift, and mutual benefit amongst our shareholder-members. Established by seasoned banking officials, our mantra is simple: Safety First, Growth Assured.

We provide exclusive financial schemes for members — including high-interest recurring deposits, guaranteed fixed deposits, gold loans, and secure lockers. We take pride in honoring individuals aged 58+, retired defence & police personnel, widows, and physically challenged citizens with bonus interest rates.

100% Member Owned
Digital SMS & E-Statements
Nomination Guarantee
Fast Loan Disbursements
Arthyojan Team
Safety First
Your Trusted Nidhi Partner
OUR CORE SCHEMES

Tailored Financial Solutions for Members

Designed to maximize returns while ensuring zero capital risk.

Savings Account Savings

Savings Account

Flexible daily savings account with attractive returns, instant passbook issue, and digital transaction updates.

  • 3.50% Annual Interest Rate
  • Free Passbook & E-Statements
  • Instant SMS transaction alerts
  • Doorstep deposit pickup service
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Fixed Deposit High Return

Fixed Deposit (FD)

Lock in high guaranteed interest rates with flexible tenure choices from 6 months to 5 years.

  • Attractive compounding returns
  • +0.50% extra for Senior Citizens
  • Monthly & Quarterly payout options
  • Loan facility against FD balance
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Recurring Deposit Monthly Plan

Recurring Deposit (RD)

Build disciplined savings with small monthly installments starting from just ₹500/month.

  • High quarterly compounding yields
  • Tenures starting from 6 months
  • Special bonus rate for Widows/VRS
  • Full nomination safety guarantee
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Gold Loan Instant Cash

Gold Loan

Instant liquidity against your gold ornaments with safe vault storage and competitive interest rates.

  • Quick 30-minute approval
  • Maximum valuation per gram
  • Tamper-proof vault custody
  • Flexible repayment options
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Safe Deposit Lockers Security

Safe Deposit Lockers

State-of-the-art secure lockers with dual-key protection, CCTV surveillance, and nominal annual rent.

  • Dual-control locking systems
  • 24/7 CCTV & sensor surveillance
  • Small, Medium & Large sizes
  • Affordable member rental fees
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Agricultural & Business Loan Empowerment

Agri & Business Loans

Empowering farmers, small businesses, and entrepreneurs with convenient credit facilities.

  • Tailored for farming requirements
  • Transparent documentation
  • Competitive interest rates
  • Easy EMI repayment options
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GET STARTED TODAY

Ready to Experience Safe Financial Growth?

Join thousands of satisfied shareholder-members of Arthyojan Nidhi Limited. Contact our nearest Ahilyanagar branch or send an inquiry to get started.