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HGNL Nidhi Limited –Fixed Deposit Scheme (FD)

Secure your future with guaranteed returns and flexible tenure options.

HGNL NIDHI LIMITED Fixed Deposit Scheme (FD)

HGNL NIDHI LIMITED

Fixed Deposit Scheme (FD)

Saving money habit will improve the quality of life and will help you to feel better and to sleep better. One will be happier knowing he/she has some money aside for unexpected expenses and look forward to achieve some of their dreams.
Click here SBI Collect Info

Choose a savings plan that fits your goals — with flexible limits and competitive returns.

Compare Our Savings Plans

SILVER ACCOUNT

Best for high-value savers looking for maximum interest.

  • Min. balance: 5000.0
  • Max. balance: 1000000.0
  • ROI(%): 6.00
  • Service charge pre closure: 100
  • Penlty bal not maintain: 0

SB PLUS ACCOUNT

Ideal for everyday users who want low deposit requirements.

  • Min. balance: 500.0
  • Max. balance: 200000.0
  • ROI(%): 2.89
  • Service charge pre closure: 100
  • Penlty bal not maintain: 10

SAVING PLUS ACCOUNT

Perfect for moderate savers aiming for better growth

  • Min. balance: 1000.0
  • Max. balance: 400000.0
  • ROI(%):4.50
  • Service charge pre closure: 100
  • Penlty bal not maintain: 10
Participation Value(HSY) 1YEAR 7.25%(HSY) 2YEAR 7.35%(HSY) 3YEAR 7.50 (HSY) 4YEAR 8.00%(HSY) 5YEAR 8.50%
100001072511568 124981373315233
200002145023136 124982746038078
250002681328920312433432738078
500005362557839624856865476157
75000 804388676093728102982114234
100000107250115682124972137308152312

Key Features of Our Savings Account

Minimum Deposit

Open your account with just ₹500 — accessible for all.

Monthly Statements

Get a passbook and account statements delivered monthly.

Nomination Facilit

y Secure your family’s future with easy nominee setup

Easy Transactions

Withdraw or deposit using slips at any of our branches.

High Interest Rates

Earn up to 6.00% p.a., calculated on daily balance.

UPI and QR Enabled

Enjoy digital ease — transfer & receive via UPI and QR.

SMS Alerts

Stay informed with real-time SMS notifications (charges apply).

PAN and KYC Required

PAN mandatory for deposits above ₹49,999. KYC is essential.

Duplicate Passbook Fee

Lost your passbook? Reissue available for just ₹100.

One-Time Membership Fee

₹50 registration + ₹25 membership. Only for new customers.

Continuous Account

No fixed period — your savings grow at your pace.

No Loan Facility

This account is strictly for saving and earning, not loans.

Documentation Require for account opening.

Identity Proof :Address Proof :
PassportPassport
PAN cardTelephone bill
Voter ID card Electricity bill
Driving license Bank Statement with Cheque
Government ID card Certificate/ ID card issued by Post office
Photo ration card
Senior citizen ID card
PROSSESING FEE GENERAL -200/-

Nomination Guidelines

  • Nomination facility available for deposits.
  • There can be only one Nominee for a deposit account whether held singly or jointly.
  • A person legally empowered to operate a minor's account can file a nomination on behalf of the minor.
  • Applicants can make nomination by filling up the prescribed form.
  • The nomination details can be changed during the subsistence of the account relationship by filling up the Form prescribed.
  • For more details approach your branch.

More Benefits You’ll Enjoy

Money Multiplier Facility

Let us take care of your idle money by automatically moving it into high-interest deposits.

Our support team is always ready to assist you with queries or instructions.
Assign a beneficiary to your savings account with ease.
Withdraw funds early with minimal pre-maturity charges.
Interest is paid on balances up to ₹1 lakh.
Deposits can’t be repaid within the first 3 months from acceptance.
  • Please produce the original document(s) for verification & a photocopy of each document.
  • Mandatory to provide Permanent address and telephone number.
  • Please avail of the nomination facility.
  • Mandatory to complete the KYC Norms.
  • terms & condition apply and all deposit plan only for members/shareholders.
  • Nomination facility available for deposits.
  • There can be only one Nominee for a deposit account whether held singly or jointly.
  • A person legally empowered to operate a minor's account can file a nomination on behalf of the minor.

HGNL NIDHI LIMITED Fixed Deposit Scheme (FD)

HGNL NIDHI LIMITED

Fixed Deposit Scheme (FD)

A fixed deposit (FD) is a financial instrument provided by banks or NBFCs which provides investors a higher rate of interest than a regular savings account, until the given maturity date. It may or may not require the creation of a separate account

Choose a savings plan that fits your goals — with flexible limits and competitive returns.

Choose the Right Fixed Deposit Plan for You

Standard Fixed Deposit Plan

For General Investors Deposit Amount : ₹10,000

  • 12 Months: 7.50% — Maturity: ₹₹10,392
  • 400 Days: 8.00% — Maturity: ₹10,907
  • 444 Days: 8.25% — Maturity: ₹11,044
  • 555 Days: 9.00% — Maturity: ₹11,449

Senior Citizen FD Plan

More Gains for Our Senior Members Deposit Amount: ₹10,000

  • 12 Months: 8.50% — Maturity: ₹10,877
  • 400 Days: 9.00% — Maturity: ₹11,025
  • 444 Days: 9.25% — Maturity: ₹11,177
  • 555 Days: 10.00% — Maturity: ₹11,592

HIMALAYA STHAYI YOJANA(FIXED DEPOSIT)

Participation Value(HSY) 1YEAR 7.25%(HSY) 2YEAR 7.35%(HSY) 3YEAR 7.50 (HSY) 4YEAR 8.00%(HSY) 5YEAR 8.50%
100001072511568 124981373315233
200002145023136 124982746038078
250002681328920312433432738078
500005362557839624856865476157
75000 804388676093728102982114234
100000107250115682124972137308152312

Terms and Conditions:

  • Minimum FD would be of Rs.1,000 and further in multiple of Rs.1,000
  • Interest calculation Quarterly compound.
  • Loan available against deposit up to 70% of deposited amount after one month from the date of deposit.
  • Rate of Interest on loan against FD would be 6% higher than applicable rate of interest to your deposit. .

Pre Mature Closure Of Deposits:-

  • No foreclosure allowed within the first 3 months from the date of deposit.
  • Foreclosure between 3 to 6 months: No interest will be paid on the deposit.
  • Foreclosure after 6 months: 2% will be deducted from the normal rate of simple interest.
  • Interest is calculated on a simple interest basis for the applicable deposit period.

HGNL NIDHI LIMITED

HIMALYA MASIK LABH YOJANA (M I S )

HGNL NIDHI LIMITED’s Himalya Masik Labh Yojana (MIS) is designed for members who want steady monthly income with peace of mind. Whether you’re saving for the future or want to earn on idle funds, enjoy assured returns, doorstep service, and easy loan facilities — all in one trusted plan.

Smart Monthly Income, Hassle-Free

Attractive and Assured Returns

Grow your savings with guaranteed monthly interest payouts.

Wide Range of Deposit Options

Choose from flexible investment slabs tailored to your financial goals.

Expert Doorstep Service

Get prompt, personal service through our experienced staff.

Quick Loan Against Deposi

Need funds early? Avail a loan quickly using your deposit as collateral.

Nomination Facility

Ensure your deposit benefits are passed on smoothly. You can nominate a single person for your deposit account at the time of opening, and update nomination details anytime using the prescribed form.

HGNL Himalaya Masik Labh Yojana (M.I.S) Payout Schedule

PARTICIPATION VALUEMATURITY AMOUNT 2YR @ 7MATURITY AMOUNT 3YR @ 8MATURITY AMOUNT 4YR @ 9 MATURITY AMOUNT 5YR @ 10
50000292333375 416
100000583666750833
150000875100011251250
2000001166133315001666
3000001750 200022502500
4000002333266630003333
5000002916333337504166
6000003500400045005000

****Only For Members Circulations

HGNL NIDHI LIMITED

RECURRING DEPOSITS

At HGNL NIDHI LIMITED, our Recurring Deposit (RD) schemes are designed for individuals who want to build savings with small, monthly contributions. With flexible tenures, high interest rates up to 10% p.a., and doorstep collection support, you can grow your wealth without any hassle. Whether you’re planning for the future or creating a financial cushion — start your RD today and move closer to your goals.

Why Choose Our RD Plans?

Secure Investment

Your money grows safely with assured returns.

10% ROI Annually

Enjoy one of the most competitive returns in the market.

Bond Issued

Transparent documentation for every deposit.

Doorstep Collection

We come to you for easy monthly deposits.

SMS Alerts

Get real-time updates on your collection.

Loan Facility

Eligible for Gold Loan & FD Loan against your RD.

Charges Applicable

Account closing and early withdrawal charges apply.

Flexible Tenure

Choose from 1 to 5 years based on your financial goals.

HGNL Himalaya Monthly Recurring Deposit Plan (MHY)

Participation Value (MHY-1 YEAR)(MHY-2 YEAR)(MHY-3 YEAR) (MHY-3 YEAR)(MHY-4 YEAR) (MHY-5 YEAR)
MONTHLYDEPOSIT AMOUNT MATURITY AMOUNT DEPOSIT AMOUNT MATURITY AMOUNT DEPOSIT AMOUNT MATURITY AMOUNT DEPOSIT AMOUNT MATURITY AMOUNT DEPOSIT AMOUNT MATURITY AMOUNT
500600062071200012813180001987624000274733000035528
1000120001241412000 25627360003975248000549466000071057
200024000248284800051253720007950496000 109892120000142114
300036000372427200076880108000119256144000164838180000213170
4000480004965696000102507144000159008192000219784240000284227
50006000062071120000128134180000198760240000274730300000355284
10000120000124141240000256267360000397520480000549459600000710568

HGNL NIDHI LIMITED

PRIME DAILY DEPOSIT SCHEME (D.D.S)

Start your journey toward financial stability with our Daily Deposit Scheme — designed for disciplined savers who prefer small, consistent contributions. With flexible tenures, assured returns, and doorstep collection, HGNL NIDHI LIMITED makes daily savings effortless and rewarding. Whether you’re a salaried individual, small business owner, or daily wage earner — this scheme empowers you to build wealth, one day at a time.

Key Highlights

Starts from ₹500/day

Minimum denomination is ₹500, accepted in multiples of ₹100.

No-Obligation Policy

Company reserves right to reject any application without stating reasons.

Account Portability

Your account may be attached/transferred to any HGNL branch.

Penalty for Defaults

Rs. 2 per Rs. 100 for every 15-day delay in installment.

Save Daily. Grow Steadily. Secure Your Tomorrow.

[ DDS -180 DAYS ][ DDS -365 DAYS ]
PARTICIPATION VALUE DEPOSIT AMOUNTMATURITY AMOUNT DEPOSIT AMOUNTMATURITY AMOUNT
R.SR.SR.SR.SR.S
50 900091561825018876
10018000 183123650037752
15027000274685475056628
20036000366247300075504
3005400054935109500 113256
400 7200073247146000151008
5009000091559182500188760
1000 180000183118365000377520

Eligibility and Terms for Loan Against Deposit (LAD

Tenure of Payment
  • The tenure of the account is 12 months and above.
  • All payments must be made in cash or via cheque/draft against a receipt countersigned by an authorized signatory. Any other method is at the member’s risk. Cheques/drafts will be credited after bank clearance. Outstation cheques are not accepted.
  • Installments must be paid daily, with a minimum of 30 days of payment each month.
  • Every Member Account Holder will receive a passbook. It must be updated regularly. In case of discrepancies between the passbook and signed receipts, payments will be made based on receipts only.
  • The passbook and maturity form must be submitted to claim the maturity amount as per the applicable chart. No extra interest will be paid for late claims.
  • Regular Accounts: For deposits like ₹100/day, maturity is payable within 7 days from request submission.
  • Irregular Accounts: In case of missed deposits, the account is treated as irregular. Liquidated damages will be deducted from interest only (not principal). Maturity will be paid as per the company’s available chart.
  • No foreclosure allowed within the first 3 months.
  • Foreclosure between 3–6 months: No interest will be paid.
  • After 6 months: 2% will be deducted from the standard interest rate.
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