Loans to members under Nidhi Rules: statutory lending limits and security conditions restrict eligibility, tenure, and repayment terms. Nidhis may lend only to members (joint-member loans to the first-named member). Per-member loan caps depend on the Nidhi's deposit band, with limits reduced if the Nidhi lacked continuous profits for three preceding years and ineligibility for members who defaulted on prior loans. Deposit levels are taken from the last audited financial statements. Loans are permitted only against specified securities: jewellery (repayment one year); immovable property (overall and LTV limits, certain registered mortgages excluded, repayment seven years); and pledged fixed deposits, government securities or insurance policies (maturity not beyond loan period or one year, and loans against FDs not to exceed their unexpired term).