A Nidhi Company is a type of non-banking financial company (NBFC) registered under Section 406 of the Companies Act, 2013, and governed by the Ministry of Corporate Affairs (MCA).

Nidhi companies are formed with the objective of cultivating the habit of thrift and savings amongst its members, and receiving deposits and lending to its members only for their mutual benefit. These companies are categorized as a mutual benefit society, as their operations are similar to that of a chit fund or a mutual fund.

Nidhi companies are usually small in size and operate in local areas, providing financial assistance to their members. These companies are popular in India, especially in rural and semi-urban areas, as they provide easy access to credit for individuals who may not have access to traditional banking services

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