Customer's repayment capacity and property valuation as determined by the Odium Nidhi Nidhi Limited helps us decide how much we can lend to the customer. While evaluating repayment capacity, we take into consideration factors like income, financials, age, qualifications, number of dependents, assets, liabilities, savings history & stability, past track record and continuity of occupation.

The typical tenure of these loans ranges from 5 to 12 years. However, it can vary depending on the purpose of the loan and the customer's profile.

If you are an individual, your spouse, your parents or even your major children can be your co- applicants. The co-owner of a property has to be a co-applicant, but a co-applicant need not be the co-owner of the property.

The tenure is 6 months or 12 months.

You can avail Gold Loan for any value from ₹10,000 to ₹15 lakhs instantly and as per your need.

A Gold Loan is disbursed within 30 minutes. This is, however, subject to the verification of gold and other documents that you submit. Approvals are at sole discretion of the Odium Nidhi Nidhi Limited.

Yes, the Odium Nidhi Nidhi Limited will give preferred interest rates and priority processing for the Priority Sector.

You can get loan on gold coins upto maximum of 50 gms per customer for coins issued by Indian banks only.

As you come to take gold loan from us, please bring:
Two passport size photographs
ID proof
Address proof
Proof of land holding in case of agriculture loan of more than ₹1 Lakh

During the tenure of loan, if there is any change in address, it should be updated in our records. You could call us on +91623003599 or visit your nearest branch of Odium Nidhi Nidhi Limited

AU Gold Loans come to you at attractive & competitive interest rates based on the prevalent market situation. You will be charged simple interest, which is fixed and is calculated on reducing balance basis.

Customers are allowed to make partial payments but security will be released only on closure of loan.

Agriculture term loan is a loan facility provided to farmers for investment credit requirements and allied agriculture activities like land development, minor irrigation, purchase of farm equipment, dairy, greenhouse, horticulture infrastructure etc. for a specific period.

Repayment frequency is decided as per customer convenience or aligned to crop harvesting period. It could be planned for monthly, quarterly or half yearly instalments. Each instalment will comprise of principal and interest component.

The loan can be repaid by cash, cheque, Funds Transfer or NACH.

Tenure of Agriculture Term Loan will be scheduled for 60 months only.

For a loan of more than 1 lakh, collateral security like agriculture land, non-agriculture land, commercial property, financial security (Fixed Deposit/National Saving Certificate)/gold or gold ornaments etc. assets to be financed can be taken.

Yes, insurance premium amount funding is available for all financed assets.