Latest Update:
News & Updates: You can apply for Saving Account by online using Apply Now button. Don't share your PIN / OTP and card details to anyone, it may lead to fraud. Loan application is subject to approval on the basis of credit Score & Limit of loan amount consumed as per RBI Guidelines
33+ Lakh
Customers
700+
Banking Touchpoints
8200+
Employees
15
States & UT Presence

Nidhi Software By IDSPay

is committed to empower financial inclusion and underserved communities across India. We was established with a vision to provide access to banking services to all segments of society, particularly focusing on the financially underserved population.

With a strong foundation of ethical banking practices and innovative technology solutions, we aim to bridge the gap between traditional banking services and the evolving needs of our customers. Our customer-centric approach ensures that we provide tailored financial solutions that meet the unique requirements of individuals and businesses alike.

At Nidhi Software By IDSPay, we believe in making banking accessible, affordable, and convenient for everyone. Our team of dedicated professionals works tirelessly to ensure that our customers receive the highest standard of service and support in their financial journey.

Banking Solutions For You

Basic Saving Account

Average Monthly Balance: ₹1,000

Interest Rate: 7.75% p.a.

ATM Limit: ₹25,000

(* Terms & Condition)
Sanchay Saving Account

Average Monthly Balance: ₹5,000

Interest Rate: 7.75% p.a.

ATM Limit: ₹40,00

(* Terms & Condition)
Premium Saving Account

Average Monthly Balance: ₹10,000

Interest Rate: 9.25% p.a.

ATM Limit: ₹1,00,000

(* Terms & Condition)
FD/MIS Account

Investment Start From: ₹10,000

Earn Interest Upto: 7.75% p.a.

Ideal For: All Customer

(* Terms & Condition)
Recurring Deposit

Investment Start From: ₹100.00

Earn Interest Upto: 8.75% p.a.

Ideal For: Any Young Investor

(* Terms & Condition)
Daily Deposit Account

Investment Start From: ₹50.00

Earn Interest Upto: 8.50% p.a.

Ideal For: Small Business

(* Terms & Condition)
Personal Loan

Get loan Upto: ₹2,00,000

Interest Rate Start From: 12.75% p.a.

Ideal For: Individual Person

(* Terms & Condition)
Group Loan

Get loan Upto: ₹5,00,000

Interest Rate Start From: 15.75% p.a.

Ideal For: Group Based Customer

(* Terms & Condition)
Savings Aditya

Average Monthly Balance: ₹5,000

Interest Rate: 7.75% p.a.

ATM Limit: ₹40,000

(* Terms & Condition)
RD Account

Average Monthly Balance: ₹1,00,000

Interest Rate: 7.75% p.a.

ATM Limit: ₹1,00,000

(* Terms & Condition)
New Loan

Average Monthly Balance: ₹10,000

Interest Rate: 7.75% p.a.

ATM Limit: ₹40,000

(* Terms & Condition)
Loan

Average Monthly Balance: ₹5,000

Interest Rate: 7.75% p.a.

ATM Limit: ₹40,000

(* Terms & Condition)
DD Account

Average Monthly Balance: ₹1,00,000

Interest Rate: 7.75% p.a.

ATM Limit: ₹1,00,000

Savings Classic

Average Monthly Balance: ₹10,000

Interest Rate: 7.75% p.a.

ATM Limit: ₹40,000

Savings Aditya

Average Monthly Balance: ₹5,000

Interest Rate: 7.75% p.a.

ATM Limit: ₹40,000

Security Tips For Safe Banking

Never respond to fraudulent calls asking for remote access. Change your Internet Banking password
at periodical intervals. Always use official website/Mobile application for banking. Never share
Username, Password, OTP, CVV, Card Number and PIN with anyone. Remove all the Temp internet
files after using internet banking services. Do not click on any links in any e-mail message to access
the official site.

Our Impact

Making a difference in communities and individual lives through financial inclusion.

5M+

Customers Served

500+

Branches Nationwide

1M+

Financial Literacy Participants

₹10B+

Microloans Disbursed

Community Initiatives

We runs multiple financial literacy programs, entrepreneurship workshops, and sustainable development projects across rural and semi-urban areas. These initiatives have helped thousands of individuals start small businesses and achieve financial independence.

Learn More

Environmental Responsibility

We are committed to reducing our environmental footprint through paperless banking, energy-efficient branches, and funding green initiatives. Our sustainable banking practices have reduced carbon emissions by 40% since 2018.

Our Green Initiatives

Banking at Your Fingertips

Download our mobile app for a seamless banking experience. Manage accounts, transfer funds, pay bills, and more — anytime, anywhere.

Mobile Banking App