Our Products and Offerings

Gold Loans

Sarvvayapi Nidhi Limited Gold loans may be availed for any amount between Rs.1,000 to a maximum of Rs.15 Lakhs. Loans are available for periods ranging from one month to one year. You can repay earlier than the scheduled as you desire.

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Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud evxercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud evxercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud evxercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud evxercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud evxercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

 

Fixed Deposit

A. Fixed Deposits:

Terms and Conditions:

  1.  Deposit can only be accepted from the members of the company. Minimum Amount Rs. 5000 and multiple of Rs.1000/-
  2.  
  3.  Only cheques favouring “SARVVAYAPI NIDHI LIMITED” and demand draft favoring SARVVAYAPI NIDHI LIMITED payable at AMRITSAR shall be accepted for the purpose of opening Saving Account. The Members can also send the electronic fund transfer in the Bank Account of the Company. The Particulars are: Name: SARVVAYAPI NIDHI LIMITED, Bank Name: ICICI Bank, Account Number: 659305500207, IFSC: ICIC0006593, Branch: Majitha Road, Amritsar, Punjab-143001.  In case of the Electronic Fund Transfer/DD, by the member a cancelled cheque is required as the evidence of the bank account details of the member. Please note that in no case the Company shall accept the cash for opening of the Fixed Deposit Account of the member and the company shall not be responsible for any loss caused to the member if he or she hands over any cash to our employees or the persons who project fraudulently themselves as our employees. All the disputes are subject to the Amritsar Jurisdiction only.
  4.  After the receipt of the payment from the member a Fixed Deposit Account Number will be communicated to the Member through SMS and/or E-mail. A welcome letter along with Fixed Deposit certificate mentioning amount of Deposit, Date of Maturity, Rate of Interest etc. shall  be sent to the depositor by the way of Speed Post with in the 10 days from the date of opening of the Fixed Deposit Account.
  5.  TDS on interest will be deducted as per the Income Tax Act 1961. No TDS shall be deducted in case Form 15H/15G submitted to the company at the beginning of each financial year.
  6.  No request for the Maturity is required to be made as the maturity amount will be credited to the account of depositor within 5 days from the date of Maturity.
  7. Mode of Repayments:The amount will be repaid by way of the electronic fund transfer, in form of RTGS/ NEFT whichever is applicable, in the bank account of the depositor as specified by him at the time of making the deposit in the personal information column of this Form. In case of the death of the depositor, the deposit amount along with the interest will be electronically transferred to the bank account of the nominee after getting the requisite declaration from him. In no case the deposit amount will be paid in form of Cash and no request in this regard shall be entertained.
  8.  Interest Payable on the Deposit: Interest will be calculated as per simple interest per annum basis according to the plan opted by the Member at the time of making the deposit. 365 days will be considered in a year for the purpose of calculating the interest. Interest along with Principal amount i.e. Maturity value will be paid within Five days from the date of Maturity mentioned in the Point No:9. Further Interest will be calculated from the date of Activation. Date of Activation will be the date on which the amount of cheque /DD/NEFT/RTGS related to Fixed Deposit will be credited to the Company’s bank account.
  9. The Rate of interest payable to the depositor in case the depositor withdraws the deposit prematurely:    No premature withdrawal request will be accepted with in the period of 3 months of making such deposit. No interest will be paid for Fixed deposit in respect of which a premature withdrawal request is made with in the period of 6 Months from date of Activation. In case of the premature withdrawal request, in respect of Fixed deposit received after the expiry of 6 months from the date of Activation of Deposit, the interest rate will be determined as per the following:
    a. The rate of Interest will be the rate as reduced by 2 % from the rate pertaining to the Plan according to its Tenure under which the said fixed deposit falls as a result of its premature withdrawal request. For example a member deposited @ 11.5% P.A. under plan E for 5 years and he places the premature withdrawal request after 6 Months from the date of Activation. In this case he falls under Plan A and the effective rate of Interest will be 6% (8%-2%). Further suppose he places the premature withdrawal request after 2 years from the date of Activation then he is entitle for 7.5% (9.5%-2%).
    b. Premature withdrawal requests shall be processed with in the period of 15 days from the date of its acceptance and the funds shall be transferred within five days from the date of its approval and after getting requisite declarations from member.
    c. In case of the death of the depositor the premature deposit shall be paid to the nominee’s bank account after getting requisite documents from the nominee. Further no deduction in the rate of interest shall be made.  

 

 

 

Recurring Deposit

Factor for calculation can be used for calculation of the maturity value. For example if a depositor with Plan C wishes to invest Rs. 2000. He can calculate the maturity value simply by multiplying the factor value 1.146 with 72000(2000X36) (72000x1.146=82512) and obtain maturity value approximately.  It is just for the reference purpose original value might be fractionally different.

 

Loan Against Property

Let the gold add glitter to your life. Unlock the value of your gold while you continue to own it.
Sarvvayapi Nidhi Ltd designed to provide liquidity against gold and gold Jewelery without having to sell them. Let your gold help you bring the golden period in your life...

 

Monthly Income Scheme

Monthly Income Scheme:

Plan Name

No.of

Year

Rate of

Interest

Amount of Deposit Deposit After      Interest           (Rs) Amount of Interest Monthly Payout Factor for Calculation
A 1 7.50 100000 107500      
B 2 8.00 100000 116000      
C 3 8.50 100000 125500      
D 4 9.00 100000 136000      
E 5 10.50 100000 152500      

 

Saving Account

Scheme LTV per Gm in Rs.  
MD 2120.00
MK 2120.00
MJ 1470.00