NIDHI Software

About

AoPay’s NIDHI Company Software is a management platform built for NIDHI companies and other mutual benefit/cooperative organizations. The site describes tools to manage the full member lifecycle (digital registration, KYC/document verification, profiles, and communications) and to track member contributions such as share capital and deposits. It includes lending workflow support from loan application and approval through disbursement, interest calculations, repayment schedules, and portfolio analytics. The software emphasizes regulatory compliance features, including monitoring against RBI guidelines, automated regulatory report generation, audit trails, Net Owned Fund (NOF) tracking, prudential norms monitoring, and annual return preparation. It also covers multi-branch operations with staff roles, branch reporting, and field tools for loan officers. Member experience features include a self-service portal, mobile app, and automated SMS/email notifications. The platform offers cloud SaaS, on-premise, or hybrid deployment options and supports integrations with banks, payment gateways, and third-party services. A white-label option is presented for developers, system integrators, and resellers.

Problem & solution

Who it's for

NIDHI companies, mutual benefit societies, co-ops in India

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