Member Savings Schemes made Simple & Secure Apply Now

At Sanglap Nidhi Ltd., our savings and deposit schemes are designed exclusively for members, with a strong focus on security, transparency, and long-term financial well-being. We understand that every member has unique savings goals, and our deposit offerings are structured to support disciplined saving, steady growth, and future financial stability.

Member Loan Services

Key Features of Member Loans

Sanglap Nidhi Ltd. offers a range of member-oriented savings solutions including Savings Deposit(SD), Recurring Deposit (RD), Fixed Deposit (FD), Cumulative Deposit(CD), and Educational Savings Schemes. These schemes feature flexible contribution options, attractive returns, and simple documentation, all governed strictly in accordance with applicable Nidhi regulations—ensuring safety, reliability, and mutual benefit for both the member and the institution.

Open Savings
Account

Start Recurring
Deposit (RD)

Invest in Fixed
Deposit (FD)

Cumulative &
Education Savings

Safe & Assured
Returns

Eligibility Criteria

  • Applicant must be an active member of Sanglap Nidhi Ltd.
  • Age should be 18 years or above at the time of opening the account
  • Completion of KYC norms as per Nidhi guidelines
  • Regular contribution capacity for the chosen savings scheme
  • Acceptance of the terms and conditions of the deposit scheme

Documents Required

  • Member Identity Card
  • Aadhaar Card
  • PAN Card
  • Recent Address Proof
  • Deposit / Gold details (if applicable)

Why choose our savings schemes?



Sanglap Nidhi Ltd. savings schemes are designed to help members build financial security in a disciplined and structured manner. Members can choose from flexible deposit options that align with their short-term and long-term financial goals.

Our objective is to encourage consistent savings habits, offer stable and secure returns, and support members in achieving financial stability with complete transparency.

Types of Savings & Deposit Schemes

Savings Deposit Scheme

    Our Savings Deposit Scheme is a safe and convenient way for members to begin and maintain regular savings while enjoying flexibility and easy access to their funds.
  • o High liquidity with competitive interest rates
  • o Easy and quick access to funds when required
  • o Nomination facility available for added security
  • o Suitable for daily, weekly, or monthly savings
  • o Flexible deposit amounts to suit member needs

Open Account Learn More

Recurring Deposit (RD) Scheme

    The Recurring Deposit Scheme helps members cultivate disciplined savings with regular monthly contributions.
  • o Flexible monthly deposits
  • o Attractive interest accrual compounded quarterly
  • o Great for planning goals like education, travel, or festivals
  • o Whether you start with a modest amount or a larger monthly contribution, the RD plan ensures steady growth through compound interes

Start RD Learn More

Fixed Deposit (FD) Scheme

    For members seeking guaranteed returns with low risk, our Fixed Deposit Scheme offers one of the most reliable investment options.
  • o Fixed tenure options ranging from 12 to 60 months
  • o Competitive interest rates higher than standard savings plans
  • o Option for cumulative and non-cumulative interest structures
  • o Perfect for accumulating a significant corpus with assured returns on maturity.

Invest Now Learn More

Cumulative Deposit Scheme

    This scheme lets your investment grow over the deposit period with interest reinvested automatically.
  • o Earn compound interest, increasing your final returns
  • o Ideal for long-term financial objectives
  • o No monthly payouts — returns realized on maturity
  • o This plan is especially suited for retirement planning or child education funds.

Start Saving Learn More

Educational Savings Scheme

    Designed to help you save for future education costs, this plan encourages early and consistent savings.
  • o Flexible tenures aligned with academic milestones
  • o Competitive interest rates to support goal-oriented investing
  • o Nomination facility for peace of mind
  • o Secure your child’s education or your own professional goals with a structured savings path.

Enroll Now Learn More

Interest Rates

Interest rates at Sanglap Nidhi Ltd. are designed to reward disciplined saving while ensuring safety and stability for our members. Rates are determined in accordance with applicable Nidhi rules and internal policies, and may vary based on the type of savings scheme, deposit tenure, and contribution pattern.

Your savings remain under your control — simple terms, no hidden conditions, and complete clarity at every step.

FAQs

Who can open a savings or deposit account at Sanglap Nidhi Ltd.?

Any individual who becomes a registered member of Sanglap Nidhi Ltd. and fulfills the basic membership requirements can open savings or deposit accounts.

Yes, all savings and deposit schemes are managed strictly as per Nidhi Company regulations and internal policies, ensuring transparency, security, and member protection.

Members can choose from Savings Deposit Accounts, Recurring Deposit (RD), Fixed Deposit (FD), Cumulative Deposit, and Educational Savings Schemes, based on their financial goals and tenure preferences.

Premature withdrawal or closure may be permitted as per the terms of the specific savings scheme and applicable Nidhi rules. Members are advised to review scheme conditions at the time of opening.

Ready to get started?

Become a member and grow with Sanglap Nidhi Ltd.

Apply for Membership

Subscribe to our Newsletter