Nidhi Capital Finance®
Get Personal Loan
Up to ₹20 Lakh

Get instant personal loans at interest rates starting from just 7.99% p.a.! Apply 100% online—transparent process with no hidden charges. Enjoy a smooth, hassle-free experience with funds credited directly to your bank account.

4M+ (Loan Success)

100K+ (Happy Customers)

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Digital Loans

Why Choose Nidhi Capital Finance?

Nidhi Capital Finance is a trusted name in India’s financial landscape, known for its strong legacy and customer-first approach. Established in 1983 and headquartered in Mumbai, Maharashtra, we have been enabling financial independence for individuals across the country for over four decades. As a registered NBFC, we specialize in offering reliable and customized personal loan solutions to meet the evolving needs of our diverse clients.

Over the years, we have built a reputation for transparency, integrity, and responsible lending. We understand that every financial journey is unique — whether it’s for medical needs, education, home repairs, or any other personal goal — and that’s why our offerings are designed to be flexible, secure, and easy to access, all while keeping your comfort and confidence in mind.

At Nidhi Capital Finance, we don’t just process loans — we build long-term relationships based on trust and support. From the first enquiry to the final repayment, our team is committed to making your experience smooth, informed, and worry-free.

With our deep industry knowledge, ethical practices, and a customer-centric mindset, we aim to be your reliable financial partner — today and for years to come.

Interest Rates 7.99% Per Annum
Quick Loan Approved
Personal Loan Up to 20 Lakh
Repay Tenure Up to 120 Months
Loan Image


Your Trusted Partner in Financial Assistance

Minimum Loan Amount: Rs 50,000

Monthly Interest Rate: 1.2% Per Month

Minimum Repayment Tenure: Up to 12 Months

Maximum Repayment Tenure: Up to 10 Years

Minimum Loan Amount: Up To Rs 50,000

Maximum Loan Amount: Up To Rs 20,00,000

Processing Fees: 2% Of The Loan Amount

EMI Bounce Charge: Rs 590/- Bounce Charge

No Pre-Closure Charges

Annual Interest Rate: Approx. 7.99 To 12%

Why Choose Nidhi Finance?

Flexible terms and reliable service



Your Trust, Our Commitment

Trust and Transparency in Every Step

Nidhi Capital Finance is a trusted Non-Banking Financial Company (NBFC) focused on providing accessible and reliable personal loan solutions. We understand that financial needs can arise at any point in life, and our goal is to offer lending options that are flexible, transparent, and tailored to individual circumstances.

With a customer-first approach and a commitment to responsible lending, we aim to support our clients through a clear and professional process. Our team works diligently to maintain transparency at every step, ensuring that you feel informed and confident in your financial decisions.

At Nidhi Capital Finance, we believe in building long-term relationships based on trust, clarity, and service excellence.

  • Fully Digital Application.
  • Instant Approval & Quick Disbursal .
  • No Collateral Needed.

Smart Finance, Real Solutions

Personal Loan Solutions Tailored for Every Need

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Emergency Medical Loan

Health emergencies don’t wait—and neither should you. Our Emergency Medical Loan gives you immediate access to funds up to ₹5 lakhs for treatments, surgeries, or hospitalizations. With fast approvals and minimum documentation, we help you focus on recovery, not expenses.

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Utility Bill Payment Loan

Monthly bills piling up? From electricity and internet to rent and subscriptions—we make sure your essentials never get disrupted. With quick micro-loans up to ₹1 lakh, you can clear dues on time and maintain your credit health effortlessly.

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Home Makeover Loan

Thinking of a fresh coat of paint, modern interiors, or fixing leaks? Our Home Makeover Loan helps you redesign and renovate your living space with funds up to ₹7 lakhs. Affordable EMIs, quick disbursal, and a better living experience—now made easy.

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Debt Relief Loan

Struggling with multiple EMIs? Our Debt Relief Loan lets you consolidate all your loans and credit card bills into a single, manageable EMI. Borrow up to ₹10 lakhs with better interest rates and regain control over your finances.

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Mobile Purchase Loan

Get the latest smartphone today—without breaking your budget. Our Mobile Purchase Loan offers instant approvals up to ₹1.5 lakhs for top-brand devices. 0% processing, flexible EMI options, and no credit card required.

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Wedding Loan

Make your big day even more memorable—without financial worries. Our Wedding Loan offers up to ₹10 lakhs to cover venue bookings, decorations, jewelry, catering, and everything else that makes your wedding perfect. Easy terms, zero hassle.

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Travel Loan

From relaxing getaways to international adventures, we make travel stress-free. Our Travel Loan offers up to ₹5 lakhs for flights, hotels, and experiences—all with quick disbursal and flexible repayments. Because your dream trip shouldn't wait.

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Eligibility & Criteria Required


To be eligible for a loan from Nidhi Finance, applicants must meet specific criteria depending on their employment type. We ensure responsible lending by providing loans only to individuals and businesses with the capacity to repay comfortably.

1
Salaried Individuals
  • Age: 21–60 years
  • Minimum ₹20,000 monthly income
  • At least 1 year of work experience
2
Self-Employed Professionals
  • Minimum age: 25 years
  • Stable business for 2+ years
  • Annual income: ₹2.5 Lakhs+
3
Business Owners
  • Minimum age: 25 years
  • 3+ years of business operation
  • Turnover: ₹5 Lakhs+/year

Documents Required List

To process your application quickly, please prepare the following documents based on your profile.

📋
Common for All
  • Passport-sized photo
  • Aadhaar/PAN/Passport (ID Proof)
  • Address Proof (Bill/Rent/Passport)
  • Last 6 months’ bank statement
💼
Salaried Individuals
  • 3-month salary slips
  • Form 16 / ITR
  • Employee ID/Offer Letter
🏢
Business Owners & Self-Employed
  • 2 years ITR
  • Business Registration Certificate
  • Last year’s P&L Statement
  • GST Certificate (if applicable)

Together We Rise, Together We Thrive

₹2M+

Loans Approved & Disbursed

50K+

Satisfied Customers Across India

750K+

Loan Applications Processed Seamlessly

24/7

Around-the-Clock Customer Support

Loan Representative Example

Loan Summary Details
Loan Amount ₹50,000
APR 25.2%
Tenure 12 Months
Processing Fee 2% of the loan amount
GST on Processing Fee ₹180
Amount Disbursed ₹48,820
EMI ₹4,998
Total Repayment Amount ₹59,978
Total Interest ₹9,978

This example demonstrates the total cost of a ₹50,000 loan with all applicable fees and interest over 12 months.



Office address

101-103, Mittal Court, A Wing, 10th Floor, Nariman Point, Mumbai 400021 - Maharashtra

Helpline number

1800-572-9818

Mail address

[email protected]

🔔 Important Information

Interest Rate: Starting interest rate may vary based on factors such as credit history, existing financial obligations, and the lender's discretion.

Eligibility: Loan approval is subject to successful completion of KYC and income verification procedures.

Annual Percentage Rate (APR) offered between 02nd Oct 2022 to 31st Mar 2023:
Min APR - 5.99%, Max APR - 18%

Repayment Schedule: Minimum - 12 months, Maximum - 240 months ^T&C apply

Example: On a personal loan of ₹1,00,000 at 8% interest p.a. for a tenure of 24 months, the monthly EMI will be ₹4,523.