The principle of mutual benefit has been to pool the savings from members and lend only to members and never have dealing with Nonmembers.

Members are only individuals. Bodies Corporate or Trusts are never to be admitted as Members.

Nidhi are not expected to engage themselves in the business of Chit Fund, hire purchase, insurance or in any other business including investments in shares or debentures.

A Nidhi to be incorporated under the Companies Act, 2013 shall be a public company.

a Nidhi shall not declare dividend exceeding twenty five per cent or such higher amount as may be specifically approved by the Regional Director for reasons to be recorded in writing.

Nidhi shall have a minimum paid up equity share capital of five lakh rupees

Nidhi shall not issue preference shares.

Every Nidhi shall, within a period of one year from the commencement of these rules, ensure that it has not less than two hundred members;

The Director shall be a member of Nidhi. Therefore, it is mandatory for director of Nidhi Company to hold shares.

The Director of a Nidhi shall hold office for a term up to ten consecutive years on the Board of Nidhi. The Director shall be eligible for re-appointment only after the expiration of two years of ceasing to be a Director.

Every Nidhi shall issue equity shares of the nominal value of not less than ten rupees each.

Every Nidhi shall allot to each deposit holder at least a minimum of ten equity shares or shares equivalent to one hundred rupees.

A Nidhi shall not accept deposits exceeding twenty times of its Net Owned Funds (NOF) as per its last audited financial statements.