Instant Cash Against
Your Gold
Get the highest per-gram valuation for your gold ornaments with same-day disbursement. Minimum documentation, zero hidden charges, maximum transparency.
Service
p.a.
Disbursal
Our Financial Services
Customer satisfaction is our prime priority — whether it relates to our loan products or deposit schemes. Every product is designed with our members' welfare in mind.
Gold Loan
Get the highest per-gram valuation for your gold ornaments with same-day disbursement. Minimum documentation, zero hidden charges, maximum transparency.
Learn MoreMortgage Loan
Unlock the value of your residential or commercial property. Low interest rates, longer tenure, fair property valuation, and completely transparent processing.
Learn MoreDeposits & Savings
Fixed Deposits, Cash Certificates, Recurring Deposits, and Savings Accounts with competitive interest rates up to 7.80%. Fully secured under Nidhi Rules 2014.
Learn More
The Nungambakam Saswatha Dhana
Rakshaka Nidhi Limited
NSDR Nidhi Limited is a registered Nidhi company established with the prime objective of cultivating the habit of thrift and savings among our members.
We operate under the Companies Act and Nidhi Rules, ensuring complete regulatory compliance and member security. Our model is built on mutual benefit — every member is both a depositor and potential borrower.
Current Deposit Rates
Our deposit products offer among the most competitive rates for
members. All rates are subject
to periodic revision — contact your branch for the latest.
| Deposit Type | Details / Minimum Amount | Tenure | Interest Rate (p.a.) |
|---|---|---|---|
| Fixed Deposit / Cash Certificate (Renewal only) | Regular Citizens | 1 Year | 7.25% |
| Fixed Deposit / Cash Certificate (Renewal only) | Senior Citizens | 1 Year | 7.75% |
| Recurring Deposit | Standard Monthly | 1 to 3 Years | 7.80% |
| Special Recurring Deposit | Min ₹500 - Max ₹3,000 | 25 Months | 9.48% |
| Savings Deposit | Min ₹100 | Ongoing | 4.00% |
* Rates are indicative and subject to change. Contact your branch for current rates before investing.
What Our Members Say
Customer friendly staff and quick service. NSDR is always courteous, especially with senior citizens like me. Their service is fast, smooth, and completely transparent.
I have been a member for over 10 years. The FD interest rates are excellent and the staff always helps me choose the right scheme for my retirement savings.
My gold loan was approved and disbursed on the same day I applied. The entire process was transparent and the team guided me through every step with great patience.
Let's Talk NSDR
Would you like to know more about our Loans or Deposits? Fill the form and our team will contact you within one business day.
Sunday : 9.00 am to 12.30 pm
(Wednesday Weekly Holiday)
Send an Enquiry
We typically respond within one business day.
Become a Member Today
Join thousands of members who trust NSDR Nidhi for their savings and credit needs.