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<h1>Nidhi Loans: Only for Members, Limits Based on Deposits, Restrictions for Non-Profit Years, Secured by Assets</h1> A Nidhi can provide loans only to its members, with joint shareholders receiving loans under the name first listed in the register. Loan limits depend on the total deposits from members: up to two lakh rupees for deposits under two crore rupees, seven lakh fifty thousand rupees for deposits between two and twenty crore rupees, twelve lakh rupees for deposits between twenty and fifty crore rupees, and fifteen lakh rupees for deposits over fifty crore rupees. If a Nidhi hasn't made profits in the past three years, it can only offer loans up to 50% of these limits. Loans are secured against gold, silver, jewellery, immovable property, and specific financial instruments, with defined repayment terms. Members defaulting on previous loans are ineligible for further loans.