Best membership-based loan provider in India
011 6932 0131 support@rbsnidhi.com
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How it works

From membership card to the top of your ladder.

The full picture: who does what at RBS Nidhi, how a customer joins, and how every loan is given, repaid and followed by the next.

Apply for a loan Become a partner
Who does what

One lender, a network of partners

RBS Nidhi Limited lends. Leaders and their CSP outlets bring membership cards to customers across India.

  1. Lender

    RBS Nidhi Limited

    • Issues Prime and Crown membership cards
    • Verifies KYC and assesses credit
    • Gives every loan of the ladder
    • Collects repayments and unlocks the next step
  2. Partner

    Leaders

    • Build a network of CSP outlets
    • Earn 5% of their outlets' card sales
    • Plus a weekly bonus of 0.01% to 0.20%, by level
    About Leaders
  3. Partner

    CSP outlets

    • Sell Prime and Crown cards to customers
    • Earn 2% to 3% on every card sold, by tier
    • And 4% of loan principal once repaid
    • Tiers add card discounts and support for staff, rent and fuel
    About CSP outlets
  4. Member

    Customers

    • Buy a card at an outlet, or online
    • Borrow on the loan ladder, one step at a time
    • Repay a step to unlock the next

Leaders and outlets sell membership cards; they do not lend. Every loan is given by RBS Nidhi Limited and repaid to RBS Nidhi Limited.

The customer journey

Eight steps, start to finish

  1. 1

    Choose your card

    Prime for personal loans (₹1,999) or Crown for business loans (₹3,499). The fee is paid once, and the membership is valid for 5 years.

  2. 2

    Register

    With your phone number, on our app or website, or at a CSP outlet near you.

  3. 3

    Upload your KYC

    Your Aadhaar card, PAN card and income documents, such as salary slips, ITR and bank statements.

  4. 4

    Eligibility check

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

  5. 5

    Membership active

    Pay the one-time fee and your card is issued. Your loan ladder starts here.

  6. 6

    Wait 72 hours

    Step 1 opens 72 hours after your membership is active: ₹5,000 with Prime, ₹10,000 with Crown.

  7. 7

    Take the loan

    Review and accept the loan agreement and Key Fact Statement, which show the exact cost. RBS Nidhi then transfers the full loan amount to your bank account; the disbursal process can take 3⁠–⁠5 business days. Nothing is deducted: the processing fee is paid with your repayment.

  8. 8

    Repay and climb

    Starter steps are repaid, with interest and the processing fee, within their window, in one go or in parts; from ₹1 Lakh upwards, in EMIs of up to 60 months, with the fee split equally across them. Repay a step in full and the next, larger step unlocks 240 hours later, up to ₹25 Lakh with Prime or ₹2 Crore with Crown. There are no foreclosure charges if you repay early, and overdue payments attract penal charges in line with RBI guidelines.

The loan ladder

How each step moves

Prime has 10 loan steps and Crown has 13. Only one is open at a time, and it closes when you repay it in full.

Locked

Not yet available. It opens 240 hours after the step before it is closed.

Open

Available to draw, or being repaid. It closes when the loan is repaid in full.

Closed

Fully repaid. The next step opens 240 hours later, until the whole ladder is complete.

Prime and Crown at a glance
PrimeCrown
Loan typePersonal loansBusiness loans
Ladder total₹25 Lakh₹2 Crore
Steps10 (5 starter + 5 EMI)13 (5 starter + 8 EMI)
First step₹5,000 for 45 days₹10,000 for 45 days
Interest and fee13% p.a. + 5% per step, fee paid with the repayment13% p.a. + 5% per step, fee paid with the repayment
Early repaymentNo foreclosure chargesNo foreclosure charges
Late paymentPenal charges on the overdue amount, in line with RBI guidelinesPenal charges on the overdue amount, in line with RBI guidelines
Card fee₹1,999 one-time, valid 5 years₹3,499 one-time, valid 5 years
See the Prime ladder See the Crown ladder
Partner with RBS Nidhi

Grow with the network

Two ways to partner with us: lead a network of outlets, or run an outlet of your own.

Become a Leader

Earn 5% of the card sales of every CSP outlet in your network, plus a weekly bonus of 0.01% to 0.20%, set by the level your network reaches that week.

Leader benefits

Open a CSP outlet

Earn 2% to 3% on every card you sell and 4% of the principal of your customers' loans once repaid, with no minimum order. Tiers from Gold to Black Diamond add card discounts and support for staff, rent and fuel.

CSP outlet benefits
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.