Our Company
HBF NIDHI LIMITED, a public limited company, was incorporated in 2017, recognizing the prevalent gap in addressing the basic functionality of banking to inculcate the habits of "Thrift Saving".
In line with the growing aspiration of a resurgent and developing economy of India and with the focus of financial inclusivity of the population, HBF Nidhi Limited aspires to address this opportunity with its innovative products and services.
Our business model stands on the principles of transacting within members of the Nidhi company. We accept deposits from and lend credit to our members, thus inculcating the habit of savings among the masses and also providing credit at lower costs than traditional banks.
Why Choose HBFNIDHI
HBF Values
People, Integrity, Leadership, Teamwork and Excellence — our values define who we are. We treat our team members, clients, and others with equality, respect, dignity, and politeness. Our people are our biggest asset.
Doorstep Banking
We serve our clients where they are. Our doorstep banking model minimizes infrastructure costs while maximizing accessibility — especially for senior citizens, women, and residents in housing societies.
Transparent Operations
HBF Nidhi maintains a minimum 10% CRR of total collections at all times. Our business is built on complete transparency and member accountability — no hidden charges, no surprises.
Financial Inclusion
Founded to bridge the financial gap for the unbanked and under-banked population. We provide a structured platform for savings with straightforward, accessible processes for all members.
Secured Lending
All loans provided by HBF Nidhi are secured, ensuring a financially strong, risk-controlled business model that protects the interests of all depositing members.
Expert-Led Growth
Our expansion strategy is guided by financial experts and industry professionals to minimize risk while maximizing returns and benefits for our members across India.
Our Mission
To cultivate a culture of savings and financial responsibility among our members, while providing affordable credit and high-yield deposit products that empower financial independence across India.
Our Vision
To be the most trusted Nidhi company in India — recognized for our integrity, innovation, and commitment to financial inclusion, serving members across every demographic and geography.
Company Registration Details
Company Name: HBF NIDHI LIMITED
Date of Incorporation: March 7, 2017
CIN: U65900UP2017PLC091080
Registered Address: C 16 Sector 6, Noida, U.P. 201301, India
Paid Up Capital: ₹1,00,00,000 | Authorized Capital: ₹10,00,00,000