Sarvvayapi Nidhi Limited is a Nidhi Company and registered under the Companies Act 2013, The certificate of incorporation has been issued by the Ministry of Corporate Affairs as on 27th April 2017. As a Nidhi company we specifically deal with our members only. Neither we accept public deposits and nor we lend to the non members.

Sarvvayapi Nidhi Ltd, one of the leading Nidhi Companies in Punjab offers a hassle-free experience to avail gold loan. In addition to the transparency, security and range of its gold loan products, Sarvvayapi Nidhi Ltd distinguishes itself from others primarily on the basis of the ease with which gold loans can be availed from our branches. The only requirement is that borrowers present themselves at our branches with the jewellery and with a valid ID and address proves. Our streamlined and centralized systems and well- sketched procedures promise that gold loan can be availed in a matter of minutes. Also, we offer the highest LTV to those interested in availing the maximum amount of loan against their jewellery. We are able to perform this because of our elongated experience in gold loan business and with the heartfelt effort of our well experienced and professionally qualified managerial team; we have acquired the capability to handle the extra risk involved.

Our gold loan schemes fall broadly into two categories:

a) High loan to value: These schemes offer the maximum amount of loan per Gram. At the same time in keeping with the extra risk, the interest cost to the borrower is higher.
b) Low interest rate: In this category, the interest rates are lower but the Loan to Value (LTV) is also comparatively less.

Member Depositors can choose from a wide range of deposit products with maturities ranging from 01 to 60 months at competitive rates of interest and with different features to suit the investment needs of individual Members.



 Advocate Manan Mahajan  ( Non Executive Director)

Advocate Manan Mahajan is the Member of Bar Council of India Punjab & Haryana. He performs an advisory role. He provide his guidance on various legal and compliance related matters. He has significant professional expertise and very rich experience across a wide spectrum of functional areas such as Corporate Laws, Finance, Banking and Labour Laws etc.


Smt. Rajni Mahajan (Whole Time Director)

 Rajni Mahajan is a Post Gradutae from GNDU Amritsar and Whole Time director in the company. She looks after the day to day work.


 Mr. Chetan Mahajan   (Director)

Chetan Mahajan is Whole time Director and looks after the relationship building and customer servicing aspect.