A Reserve Bank of India (RBI) registered Nidhi Company providing trusted financial solutions, fixed deposits, and recurring deposit schemes to over 15,000 members across India.
Trusted Members
Assets Under Management
Branch Network
Registered under the Companies Act, 2013 and recognized by the Reserve Bank of India, we are a premier Nidhi Company headquartered in Kochi, Kerala with a pan-India presence.
Gate India Nidhi Limited (CIN: U65990KL2019PLC057164) operates under the strict regulatory framework of the Reserve Bank of India and the Ministry of Corporate Affairs. Our registration ensures complete compliance with all financial regulations, providing our members with the highest level of security for their investments.
We maintain a capital adequacy ratio of 18.5%, well above the regulatory requirement of 10%, demonstrating our strong financial foundation and commitment to risk management.
Incorporated on 27th December 2019, we have grown exponentially to become one of Kerala's most trusted Nidhi Companies. Starting with an authorized capital of ₹10,00,00,000 and paid-up capital of ₹1,00,00,000, we have consistently expanded our member base and service portfolio.
Our growth trajectory includes strategic expansion to 24 branches across 8 states, serving both urban and rural communities with accessible financial services.
| Corporate Identification Number | U65990KL2019PLC057164 |
|---|---|
| Company Name | Gate India Nidhi Limited |
| Registration Date | 27 December 2019 |
| Company Category | Company limited by Shares |
| Company Subcategory | Nidhi Company |
| Class of Company | Private |
| Authorised Capital | ₹10,00,00,000 |
| Paid-up Capital | ₹1,00,00,000 |
| Registered State | Kerala |
| Registered Office Address | Door No. 15/347A, 1st Floor, GATE Building, Market Road, Kochi, Kerala 682001 |
As a Nidhi Company registered under Section 406 of the Companies Act, 2013, our primary business is borrowing from and lending to our members. Our authorized activities include:
We offer a comprehensive range of savings and credit products designed to meet the diverse financial needs of our members.
Secure your savings with our fixed deposit schemes offering competitive interest rates ranging from 6.5% to 8.2% per annum, depending on the tenure. Our FDs come with flexible tenure options from 6 months to 5 years.
Build savings systematically with our recurring deposit plans. Start with as low as ₹500 per month and watch your savings grow with attractive returns. Perfect for salaried individuals and systematic savers.
Access quick and affordable credit facilities against your deposits or other acceptable securities. We offer personal loans, emergency loans, and secured loans to our members at competitive interest rates.
Your deposits are protected by our strong capital base and regulatory compliance. We maintain a Net Owned Funds to Deposits ratio of 1:4, well within RBI guidelines.
As a member, you can avail loans against your deposits within 48 hours of application with minimal paperwork and competitive interest rates.
Our interest rates are typically 0.5% to 1.5% higher than commercial banks for similar deposit tenures, helping your savings grow faster.
We prioritize our members' financial well-being with personalized service, flexible schemes, and transparent operations.
Transparent reporting of our financial strength and growth metrics.
Assets Under Management
Active Members
Branches Across India
Member Satisfaction Rate
Company incorporated with registered office in Kochi, Kerala with authorized capital of ₹10 crore.
Received RBI registration as Nidhi Company and commenced operations with first branch in Kochi.
Expanded to 5 branches across Kerala with member base crossing 1,000.
Launched digital member portal for online transactions and account management.
Crossed ₹50 crore in assets under management with 8,000+ members.
Operating 24 branches across 8 states with over 15,000 members and ₹85+ crore AUM.
We maintain a Capital Adequacy Ratio of 18.5% against the regulatory minimum of 10%. This strong capital position ensures we can withstand financial stress and protect member deposits.
Our Net Non-Performing Assets ratio stands at just 0.85%, significantly lower than the industry average of 2.5% for similar financial institutions. This reflects our prudent lending practices and effective recovery mechanisms.
We consistently achieve a Return on Assets (ROA) of 2.1%, indicating efficient utilization of assets to generate profits. This ensures sustainable growth and ability to offer competitive returns to our members.
Reach out to us for any queries about our services, interest rates, or membership.
Door No. 15/347A, 1st Floor, GATE Building
Market Road, Kochi
Kerala 682001, India
Customer Care: +91-484-6457890
Toll Free: 1800-345-7890
Fax: +91-484-6457891
General Enquiries: [email protected]
Investor Relations: [email protected]
Grievance Redressal: [email protected]
Monday - Friday: 9:30 AM - 5:30 PM
Saturday: 9:30 AM - 2:00 PM
Sunday & Holidays: Closed
Strategic associations and industry partnerships that enhance our service offerings.