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Prime Membership Card

The Prime card.
Your personal edge.

The Prime Membership Card opens a personal loan ladder with RBS Nidhi: ten steps that grow from ₹5,000 to a total of ₹25 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.

Limited Time Festive Offer ₹1,999 ₹14,999 You save ₹13,000 One-time membership fee · valid for 5 years
Buy Prime Membership See the loan ladder
Validity5 years
Loan ladder10 steps · ₹25 Lakh
Interest + fee13% p.a. + 5%
Step 1 opens72 hours after joining
Loan disbursal3⁠–⁠5 business days
Your Prime card

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.

Front · valid for 5 years from the date of issue
Back · not a credit, debit or payment card
Prime privileges

Card benefits

Prime is the membership for personal loans. Here is what your card gives you.

01

Membership is valid for five years and gives you the Prime personal loan ladder, lent directly by RBS Nidhi Limited.

02

Your first step, a loan of ₹5,000, opens 72 hours after your membership becomes active. Once you accept a loan, the disbursal process can take 3⁠–⁠5 business days.

03

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.

04

Repay a step in full and the next one unlocks 240 hours later. Ten steps, from ₹5,000 up to ₹8.5 Lakh, add up to ₹25 Lakh.

05

Starter steps below ₹1 Lakh have no EMIs: repay each one, with interest and the fee, any time within the step's window, in one go or in parts.

06

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.

07

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.

08

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.

The Prime loan ladder

10 steps to ₹25 Lakh

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.

Starter steps: repay within the window, in one go or in parts Growth steps: monthly EMI, up to 60 months
  1. Step 1 ₹5,000 Repay within 45 days
  2. Step 2 ₹15,000 Repay within 60 days
  3. Step 3 ₹25,000 Repay within 90 days
  4. Step 4 ₹35,000 Repay within 120 days
  5. Step 5 ₹70,000 Repay within 270 days
  6. Step 6 ₹1 L EMI up to 60 months
  7. Step 7 ₹2 L EMI up to 60 months
  8. Step 8 ₹4 L EMI up to 60 months
  9. Step 9 ₹8 L EMI up to 60 months
  10. Step 10 ₹8.5 L EMI up to 60 months
Step 1 opens 72 hours after your membership is active. You receive the full loan amount (the disbursal process can take 3⁠–⁠5 business days), and a step repaid in full unlocks the next 240 hours later. 10 steps, ladder total ₹25 Lakh
Starter steps: no EMIsYou receive the full loan amount. Repay the loan, interest and processing fee any time within the step's window, in one go or in parts.
StepYou receiveRepay withinInterest*Processing feeTotal payable*Borrowed so far
1₹5,00045 days₹80₹250₹5,330₹5,000
2₹15,00060 days₹321₹750₹16,071₹20,000
3₹25,00090 days₹801₹1,250₹27,051₹45,000
4₹35,000120 days₹1,496₹1,750₹38,246₹80,000
5₹70,000270 days₹6,732₹3,500₹80,232₹1,50,000
Growth steps: what you pay each monthYou receive the full loan amount. Each month you pay the EMI (principal and interest at 13% a year on the reducing balance) plus an equal share of the processing fee. The last month is adjusted by a few rupees for rounding.
StepYou receiveProcessing fee12 months24 months36 months60 monthsBorrowed 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₹2,50,000
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₹4,50,000
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₹8,50,000
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₹16,50,000
10₹8,50,000₹42,500₹79,462₹75,920 EMI + ₹3,542 fee₹42,182₹40,411 EMI + ₹1,771 fee₹29,821₹28,640 EMI + ₹1,181 fee₹20,048₹19,340 EMI + ₹708 fee₹25,00,000

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.

How it works

Six steps to your personal loan

  1. 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.

  2. 2

    Upload your KYC documents

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

  3. 3

    Check your eligibility

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

  4. 4

    Buy your Prime card

    Pay the one-time membership fee of ₹1,999. Your membership is valid for five years.

  5. 5

    Take step 1 after 72 hours

    Your first step, ₹5,000, 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.

  6. 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.

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