Savings Deposits

HGNL Nidhi Limited – Savings Deposits

Secure your future with smart saving habits and high interest returns.

HGNL NIDHI LIMITED SAVINGS DEPOSITS

HGNL NIDHI LIMITED

SAVINGS DEPOSITS

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.

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%
10000	10725	11568	12498	13733	15233
20000	21450	23136	12498	27460	38078
25000	26813	28920	31243	34327	38078
50000	53625	57839	62485	68654	76157
75000	80438	86760	93728	102982	114234
100000	107250	115682	124972	137308	152312

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 :
Passport	Passport
PAN card	Telephone 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

More Benefits You’ll Enjoy

Money Multiplier Facility

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

Customer Care

Our support team is always ready to assist you with queries or instructions.

Nomination Facility

Assign a beneficiary to your savings account with ease.

Liquidity

Withdraw funds early with minimal pre-maturity charges.

Interest Qualification Limit

Interest is paid on balances up to ₹1 lakh.

Deposit Repayment Terms

Deposits can’t be repaid within the first 3 months from acceptance.

Additional Note

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.

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: 7.25% — Maturity: ₹10,725
24 Months: 7.35% — Maturity: ₹11,568
36 Months: 7.50% — Maturity: ₹12,498
48 Months: 8.00% — Maturity: ₹13,733
60 Months: 8.50% — Maturity: ₹15,233

Senior Citizen FD Plan

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

12 Months: 7.75% — Maturity: ₹10,775
24 Months: 7.85% — Maturity: ₹11,683
36 Months: 8.00% — Maturity: ₹12,684
48 Months: 8.50% — Maturity: ₹14,004
60 Months: 9.00% — Maturity: ₹15,607

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%
10000	10725	11568	12498	13733	15233
20000	21450	23136	12498	27460	38078
25000	26813	28920	31243	34327	38078
50000	53625	57839	62485	68654	76157
75000	80438	86760	93728	102982	114234
100000	107250	115682	124972	137308	152312

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 VALUE	MATURITY AMOUNT 2YR @ 7	MATURITY AMOUNT 3YR @ 8	MATURITY AMOUNT 4YR @ 9	MATURITY AMOUNT 5YR @ 10
50000	292	333	375	416
100000	583	666	750	833
150000	875	1000	1125	1250
200000	1166	1333	1500	1666
300000	1750	2000	2250	2500
400000	2333	2666	3000	3333
500000	2916	3333	3750	4166
600000	3500	4000	4500	5000

****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)

MONTHLY	DEPOSIT AMOUNT	MATURITY AMOUNT	DEPOSIT AMOUNT	MATURITY AMOUNT	DEPOSIT AMOUNT	MATURITY AMOUNT	DEPOSIT AMOUNT	MATURITY AMOUNT	DEPOSIT AMOUNT	MATURITY AMOUNT
Participation Value		(MHY-1 YEAR)	(MHY-2 YEAR)	(MHY-3 YEAR)		(MHY-3 YEAR)		(MHY-4 YEAR)	(MHY-5 YEAR)
500	6000	6207	12000	12813	18000	19876	24000	27473	30000	35528
1000	12000	12414	12000	25627	36000	39752	48000	54946	60000	71057
2000	24000	24828	48000	51253	72000	79504	96000	109892	120000	142114
3000	36000	37242	72000	76880	108000	119256	144000	164838	180000	213170
4000	48000	49656	96000	102507	144000	159008	192000	219784	240000	284227
5000	60000	62071	120000	128134	180000	198760	240000	274730	300000	355284
10000	120000	124141	240000	256267	360000	397520	480000	549459	600000	710568

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.

PARTICIPATION VALUE	DEPOSIT AMOUNT	MATURITY AMOUNT	DEPOSIT AMOUNT	MATURITY AMOUNT
		[ DDS -180 DAYS ]		[ DDS -365 DAYS ]
R.S	R.S	R.S	R.S	R.S
50	9000	9156	18250	18876
100	18000	18312	36500	37752
150	27000	27468	54750	56628
200	36000	36624	73000	75504
300	54000	54935	109500	113256
400	72000	73247	146000	151008
500	90000	91559	182500	188760
1000	180000	183118	365000	377520

Eligibility and Terms for Loan Against Deposit (LAD

Tenure of Payment

Mode of Payment

Issue of Passbook

Maturity

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.

Pre-Mature Closure of Deposits