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The Crown card.
Command your growth.
The Crown Membership Card opens a business loan ladder with RBS Nidhi: 13 steps that grow from ₹10,000 to a total of ₹2 Crore, the amount doubling from ₹1 Lakh. Step 1 opens 72 hours after joining, the loan disbursal process can take 3–5 business days, and every step you repay unlocks the next.
This card opens the member's Crown business loan ladder with RBS Nidhi Limited for five years from the date of issue: loans at 13% a year plus a 5% processing fee, paid with the repayment. Every loan is subject to KYC and credit assessment and to its loan agreement and Key Fact Statement. This is a membership card, not a credit, debit or payment card; it is non-transferable and remains the property of RBS Nidhi Limited. Never share your card details or OTP with anyone. If found, please return it to RBS Nidhi Limited. Full terms at rbsnidhi.com/terms-conditions.
Powered by Storrose Vyapaar Pvt. Ltd., an RBI-licensed Non-Banking Financial Company (NBFC)
- rbsnidhi.com
- support@rbsnidhi.com
- Toll-free 011 6932 0131
Front and back
Your name, card number and validity on the front. Your signature, a 3-digit code, the card terms and our contact details on the back.
This card opens the member's Crown business loan ladder with RBS Nidhi Limited for five years from the date of issue: loans at 13% a year plus a 5% processing fee, paid with the repayment. Every loan is subject to KYC and credit assessment and to its loan agreement and Key Fact Statement. This is a membership card, not a credit, debit or payment card; it is non-transferable and remains the property of RBS Nidhi Limited. Never share your card details or OTP with anyone. If found, please return it to RBS Nidhi Limited. Full terms at rbsnidhi.com/terms-conditions.
Powered by Storrose Vyapaar Pvt. Ltd., an RBI-licensed Non-Banking Financial Company (NBFC)
- rbsnidhi.com
- support@rbsnidhi.com
- Toll-free 011 6932 0131
Card benefits
Crown is the membership for business loans. Here is what your card does for your business.
Membership is valid for five years and gives you the Crown business loan ladder, lent directly by RBS Nidhi Limited.
Your first step, a loan of ₹10,000, opens 72 hours after your membership becomes active. Once you accept a loan, the disbursal process can take 3–5 business days.
Every step has the same interest rate, 13% a year, and a processing fee of 5% of the loan amount. You receive the full loan amount; the processing fee is paid with your repayment, never deducted upfront.
Repay a step in full and the next one unlocks 240 hours later. Five starter steps run from ₹10,000 to ₹50,000; from ₹1 Lakh upwards the amount doubles, and 13 steps add up to ₹2 Crore.
The five starter steps have no EMIs: repay each one, with interest and the fee, any time within the step's window, in one go or in parts.
From ₹1 Lakh upwards, you choose an EMI tenure of up to 60 months, and the processing fee is split equally across your EMIs: ₹1 Lakh over 36 months is ₹3,508 a month, a ₹3,369 EMI plus ₹139 of fee.
You pay the membership fee once. Each loan then carries its own interest and processing fee, set out in its Key Fact Statement before you accept it.
There are no foreclosure charges: repay any loan in full before it is due, at no extra cost. If a payment is overdue, penal charges apply to the overdue amount in line with RBI guidelines, as set out in the loan's Key Fact Statement.
13 steps to ₹2 Crore
Each step is a loan from RBS Nidhi at 13% a year. You receive the full amount and pay the 5% processing fee with your repayment. Repay a step in full and the next one unlocks 240 hours later.
- Step 1 ₹10,000
- Step 2 ₹15,000
- Step 3 ₹20,000
- Step 4 ₹25,000
- Step 5 ₹50,000
- Step 6 ₹1 L
- Step 7 ₹2 L
- Step 8 ₹4 L
- Step 9 ₹8 L
- Step 10 ₹16 L
- Step 11 ₹32 L
- Step 12 ₹64 L
- Step 13 ₹71.8 L
| Step | You receive | Repay within | Interest* | Processing fee | Total payable* | Borrowed so far |
|---|---|---|---|---|---|---|
| 1 | ₹10,000 | 45 days | ₹160 | ₹500 | ₹10,660 | ₹10,000 |
| 2 | ₹15,000 | 45 days | ₹240 | ₹750 | ₹15,990 | ₹25,000 |
| 3 | ₹20,000 | 45 days | ₹321 | ₹1,000 | ₹21,321 | ₹45,000 |
| 4 | ₹25,000 | 90 days | ₹801 | ₹1,250 | ₹27,051 | ₹70,000 |
| 5 | ₹50,000 | 180 days | ₹3,205 | ₹2,500 | ₹55,705 | ₹1,20,000 |
| Step | You receive | Processing fee | 12 months | 24 months | 36 months | 60 months | Borrowed so far |
|---|---|---|---|---|---|---|---|
| 6 | ₹1,00,000 | ₹5,000 | ₹9,349₹8,932 EMI + ₹417 fee | ₹4,962₹4,754 EMI + ₹208 fee | ₹3,508₹3,369 EMI + ₹139 fee | ₹2,358₹2,275 EMI + ₹83 fee | ₹2,20,000 |
| 7 | ₹2,00,000 | ₹10,000 | ₹18,696₹17,863 EMI + ₹833 fee | ₹9,925₹9,508 EMI + ₹417 fee | ₹7,017₹6,739 EMI + ₹278 fee | ₹4,718₹4,551 EMI + ₹167 fee | ₹4,20,000 |
| 8 | ₹4,00,000 | ₹20,000 | ₹37,394₹35,727 EMI + ₹1,667 fee | ₹19,850₹19,017 EMI + ₹833 fee | ₹14,034₹13,478 EMI + ₹556 fee | ₹9,434₹9,101 EMI + ₹333 fee | ₹8,20,000 |
| 9 | ₹8,00,000 | ₹40,000 | ₹74,787₹71,454 EMI + ₹3,333 fee | ₹39,700₹38,033 EMI + ₹1,667 fee | ₹28,066₹26,955 EMI + ₹1,111 fee | ₹18,869₹18,202 EMI + ₹667 fee | ₹16,20,000 |
| 10 | ₹16,00,000 | ₹80,000 | ₹1,49,575₹1,42,908 EMI + ₹6,667 fee | ₹79,400₹76,067 EMI + ₹3,333 fee | ₹56,132₹53,910 EMI + ₹2,222 fee | ₹37,738₹36,405 EMI + ₹1,333 fee | ₹32,20,000 |
| 11 | ₹32,00,000 | ₹1,60,000 | ₹2,99,148₹2,85,815 EMI + ₹13,333 fee | ₹1,58,801₹1,52,134 EMI + ₹6,667 fee | ₹1,12,265₹1,07,821 EMI + ₹4,444 fee | ₹75,477₹72,810 EMI + ₹2,667 fee | ₹64,20,000 |
| 12 | ₹64,00,000 | ₹3,20,000 | ₹5,98,298₹5,71,631 EMI + ₹26,667 fee | ₹3,17,601₹3,04,268 EMI + ₹13,333 fee | ₹2,24,530₹2,15,641 EMI + ₹8,889 fee | ₹1,50,953₹1,45,620 EMI + ₹5,333 fee | ₹1,28,20,000 |
| 13 | ₹71,80,000 | ₹3,59,000 | ₹6,71,215₹6,41,298 EMI + ₹29,917 fee | ₹3,56,308₹3,41,350 EMI + ₹14,958 fee | ₹2,51,895₹2,41,923 EMI + ₹9,972 fee | ₹1,69,350₹1,63,367 EMI + ₹5,983 fee | ₹2,00,00,000 |
Illustrative figures at 13% a year interest and a 5% processing fee, rounded to the nearest rupee. The processing fee is never deducted from your loan: you receive the full amount and pay the fee with your repayment. *Interest on a starter step is shown for its full window. Every loan is subject to KYC and credit assessment by RBS Nidhi Limited. Before you accept a loan, its loan agreement and Key Fact Statement set out the exact amount, the annual percentage rate including all fees, and the repayment schedule; they prevail over this table.
Six steps to your business loan
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1
Open the app and register
Open the RBS Nidhi app in your phone's browser (no download needed) and register with your phone number. Already registered? Simply sign in.
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2
Upload your KYC documents
Share your Aadhaar card, PAN card and income documents, such as salary slips, ITR and bank statements.
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3
Check your eligibility
Our loan team verifies your KYC and credit profile, usually within 24 hours of receiving your documents.
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4
Buy your Crown card
Pay the one-time membership fee of ₹3,499. Your membership is valid for five years.
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5
Take step 1 after 72 hours
Your first step, ₹10,000, opens 72 hours after your membership is active. Review and accept the loan agreement and Key Fact Statement, and the full loan amount is transferred to your bank account; the disbursal process can take 3–5 business days. Nothing is deducted.
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6
Repay to climb
Repay the step, with the processing fee, and the next one unlocks: within the window, in one go or in parts, for starter steps, and EMIs of up to 60 months from ₹1 Lakh upwards, with the fee split equally across them.
Read the company Terms & Conditions.
Prime Membership
Personal loans up to ₹25 Lakh in ten steps, starting at ₹5,000.