Personal & business loans · India

Loans that grow with you.

One membership card opens a ladder of loans from RBS Nidhi: personal loans up to ₹25 Lakh with Prime, business loans up to ₹2 Crore with Crown. Step 1 opens 72 hours after you join, the loan disbursal process can take 3⁠–⁠5 business days, and every step you repay unlocks the next.

Apply for Personal Loan Apply for Business Loan

First loan unlocks in 72 hours
Full loan, no deductions
5-year membership

CROWN Membership

7710 •••• •••• 2402

Card MemberRakesh Kumar Valid Thru11/31

PRIME Membership

4532 •••• •••• 1048

Card MemberRakesh Kumar Valid Thru11/31

Up to ₹25 LakhPersonal loan · Prime

Up to ₹2 CroreBusiness loan · Crown

10 Lakh+

Happy customers

₹5,000 Cr

Total loans disbursed

72 hrs

From joining to step 1

5 years

Membership validity

Membership Cards

Two cards. Two ambitions.

Choose the card that matches your goal. Each one opens a ladder of loans from RBS Nidhi, at 13% a year plus a 5% processing fee on every step. You receive the full loan amount and pay the fee with your repayment.

PRIME Membership

4532 •••• •••• 1048

Card MemberRakesh Kumar Valid Thru11/31

Prime Membership

For your personal milestones

Personal loans in ten steps, from ₹5,000 up to a total of ₹25 Lakh. Step 1 opens 72 hours after joining.

Loan ladder₹5,000 → ₹25 Lakh
Interest + Processing Fee13% p.a. + 5% fee
Step 1 opens72 hours after joining
Loan disbursal3⁠–⁠5 business days

Limited Time Festive Offer ₹1,999 ₹14,999 Save ₹13,000 One-time membership fee · valid for 5 years

Explore Prime Get Prime

CROWN Membership

7710 •••• •••• 2402

Card MemberRakesh Kumar Valid Thru11/31

Crown Membership

For businesses that lead

Business loans in 13 steps, from ₹10,000 up to a total of ₹2 Crore, the amount doubling from ₹1 Lakh.

Loan ladder₹10,000 → ₹2 Crore
Interest + Processing Fee13% p.a. + 5% fee
Step 1 opens72 hours after joining
Loan disbursal3⁠–⁠5 business days

Limited Time Festive Offer ₹3,499 ₹24,999 Save ₹21,500 One-time membership fee · valid for 5 years

Explore Crown Get Crown

Our Services

A loan program for every need

Two loan ladders with one simple rate: for life's moments and for business growth.

With Prime Membership

Personal Loan

Personal loans in ten steps, from ₹5,000 up to a total of ₹25 Lakh, at 13% a year plus a 5% processing fee per step, paid with your repayment. Starter steps are repaid within their window, in one go or in parts; from ₹1 Lakh upwards, in EMIs of up to 60 months.

₹5,000 – ₹25 Lakh
13% p.a.
Step 1 opens in 72 hours
Disbursal: 3⁠–⁠5 business days

Apply now Personal loan details

With Crown Membership

Business Loan

Business loans in 13 steps, from ₹10,000 up to a total of ₹2 Crore, at 13% a year plus a 5% processing fee per step, paid with your repayment. From ₹1 Lakh upwards, repay in EMIs of up to 60 months.

₹10,000 – ₹2 Crore
13% p.a.
Step 1 opens in 72 hours
Disbursal: 3⁠–⁠5 business days

Apply now Business loan details

How it works

From application to disbursal

A fast and easy application process, in six clear steps.

Open our app

The RBS Nidhi app runs in your phone's browser: no download needed. Add it to your home screen to open it in one tap.

Open the app

Quick registration

Upload KYC documents

Share the requisite KYC documents — Aadhaar card, PAN card, salary slips, ITR and bank statements.

Check eligibility

Our loan team verifies your KYC and credit profile, usually within 24 hours.

Buy your membership card

Prime (₹1,999) or Crown (₹3,499), valid for five years. Your card opens your loan ladder.

Take step 1 in 72 hours

Accept the loan agreement and Key Fact Statement and the full loan amount goes to your bank account; the disbursal process can take 3⁠–⁠5 business days. Repay it, with the processing fee, to unlock the next step.

Apply now online

Why RBS Nidhi

Expert care, without the queues

We guide you through the loan process and help you avoid potential problems along the way.

One rate on every step

Every loan is at 13% a year. You receive the full amount, and the 5% processing fee is paid with your repayment.

Step 1 opens in 72 hours

Step 1 opens 72 hours after your membership is active, and the money goes straight to your bank account. The disbursal process can take 3⁠–⁠5 business days.

100% paperless

No physical documentation needed — apply for and get your loan completely online.

No foreclosure charges

Repay any loan early at no extra cost. Overdue payments attract penal charges only on the overdue amount, in line with RBI guidelines.

Plan ahead

Plan your ladder before you apply

Pick a card and a step to see exactly what you pay: the total for a starter step, or your EMI plus processing fee each month from ₹1 Lakh upwards.

Membership card

Ladder stepGrowth step · monthly EMI

EMI tenure36 months

3 months60 months

Growth step: choose any tenure up to 60 months. The processing fee is split equally across your EMIs.

Ladder progress₹2,50,000 of ₹25 L

You pay each monthStep 6 · Prime

₹3,508

for 36 months at 13% p.a.

Each month

EMIprincipal + interest₹3,369
Processing fee share₹5,000 fee ÷ 36 months₹139
You pay₹3,508
Month 36: ₹3,388 EMI + ₹135 fee = ₹3,523, adjusted for rounding

Over the whole loan

Loan amount, paid to you in full₹1,00,000
Total interest over 36 months₹21,303
Processing fee (5%), split across 36 EMIs₹5,000
Total payable₹1,26,303

Cost of the loan₹26,303

APR, approx.*—

See the month-by-month schedule

The processing fee is never deducted from your loan: you receive the full amount and pay the fee with your repayment. *Annual percentage rate including the 5% processing fee. All figures are illustrative and rounded to the rupee; each loan's agreement and Key Fact Statement show the exact cost.

Partners

Our NBFC partners

Banks

We support all major banks

Receive your loan in your own savings or current account at any major Indian bank, and repay from it.

State Bank of India

State Bank of India

Bank names and logos are trademarks of their respective owners. They are shown only to identify the banks whose accounts we pay loans into and accept repayments from. RBS Nidhi Limited is not affiliated with, or endorsed by, these banks.

The RBS Nidhi app

Stay up to date with where your money comes and goes.

Track your application, upload documents and manage your membership from your phone. The app opens in your browser, with nothing to download.

Open theRBS Nidhi app Google PlayComing soon

Support

We are here to help you

Talk to a loan expert, write to us, or visit our registered office in Kolkata.

Registered Office

You may write to us at

RBS Nidhi Limited
Flat No 612, Blk 1, Qube, Plot IID/31/1
Newtown, Kolkata – 700135
West Bengal, India

Call us

Our toll-free helpline

011 6932 0131

9:00 AM – 8:00 PM IST on all working days, including Saturday.

Email us

For any assistance, write to

support@rbsnidhi.com

Emails are reviewed 10:00 AM – 7:00 PM IST, Monday to Friday.