Wealth that works for people.

Who we are

The membership-based loan provider

RBS Nidhi is a membership-based lender for individuals and businesses, with one simple purpose — to give people an easy, transparent way to borrow.

We are a membership-based loan provider with our corporate headquarters in Kolkata, West Bengal. We offer personal and business loans across India, and our open and honest approach to speciality financing has earned the trust of more than 10 lakh clients. Beyond lending, we support our customers with financial planning and simple loan assistance — anytime, anywhere.

We have provided specialised financial services to more than 5,000 clients and partners, responding fast and with complete transparency. Our partners get funds in times of need and help with financial planning, so they always have access to immediate lending assistance. Our members hold one of two cards: Prime for personal loans, or Crown for business loans.

Card benefits

A ladder that grows with you.

Your membership card opens a ladder of loans from RBS Nidhi: 10 steps with Prime, 13 with Crown. You start small: ₹5,000 with Prime or ₹10,000 with Crown, 72 hours after joining. Each time you repay a step in full, the next, larger step unlocks 240 hours later, up to ₹25 Lakh in total with Prime and ₹2 Crore with Crown.

Every step carries the same rate, 13% a year, and a processing fee of 5% of the loan amount, so you know what a loan costs before you take it. You receive the full loan amount; the processing fee is paid with your repayment, never deducted upfront. Starter steps are repaid within their window, in one go or in parts; from ₹1 Lakh upwards, you choose an EMI tenure of up to 60 months.