Member management
Register members with KYC details, photo and signature, nominee and linked accounts.
- Member registration and KYC
- Nominee details
- Share and membership fee
- Account passbook
Nidhi software built in Muzaffarpur
Nidhi Banking Software in Bihar
Complete software for Nidhi companies and credit societies: members, savings, FD, RD, loans, agents, ledgers and MIS reports, with unlimited branches and role-based logins.
- 2010in software since
- Unlimitedbranches supported
- Freedemo and written quote
Auto interestFD, RD, savings and loans
Role-based loginAdmin, branch, teller, agent
Trusted by schools, colleges and businesses across Bihar
Nidhi company software
Accurate accounts for members, deposits and loans
A Nidhi company handles hundreds or thousands of members, daily RD collections, FD maturities, loans with EMI and agent commissions. A single calculation error damages members' trust. Our Nidhi software automates interest, schedules and ledgers so your accounts stay correct.
Decent Web Services LLP builds and maintains Nidhi and cooperative-style banking systems for clients in Bihar. We understand the daily work of collection agents, branch staff and auditors, and we design the software around those roles.
What we build
What the Nidhi software includes
Everything a Nidhi or credit society needs to run accounts and reports from one panel.
Savings accounts
Open savings accounts, record deposits and withdrawals, and calculate interest automatically.
- Deposit and withdrawal entries
- Auto interest posting
- Passbook and statement
- Account closure
RD management
Daily, weekly and monthly recurring deposit schemes with due tracking and maturity calculation.
- Daily, weekly, monthly plans
- Pending instalment list
- Maturity amount calculation
- Agent collection entry
FD management
Fixed deposits with automatic interest calculation, maturity alerts and renewal tracking.
- Multiple FD schemes
- Maturity alerts
- Renewal and premature closure
- FD certificate print
Loan management
The full loan lifecycle: application, approval, disbursement, EMI schedule, recovery and overdue reports.
- Loan application and approval
- EMI schedule and collection
- Overdue and NPA list
- Guarantor details
Agents, branches and MIS reports
Manage collection agents with commission, run unlimited branches from one admin panel and get ledger, balance sheet and MIS reports for management and audit.
- Agent commission and collection
- Unlimited branches
- Ledger, trial balance, balance sheet
- Admin, manager, teller and auditor roles
Who it is for
For Nidhi companies, societies and small finance groups
The software suits:
- Nidhi companies: deposit and loan accounts
- Credit and cooperative societies: member finance
- Micro-finance groups: small loans and recovery
- Multi-branch organisations: one admin view
- Agent-based collection: daily RD collection
- Auditors: clear reports and ledgers
Need software for your Nidhi?
Tell us your schemes and branches. We will show a demo and give a clear written quote.
Book a demo
How we work
How we set up your Nidhi software
- 1
Understand your schemes
We note your FD, RD, savings and loan rules, interest rates and commission structure.
- 2
Configure and import
We set up branches, schemes and users and import your existing member and account data.
- 3
Train and test
We train branch staff and agents, and test interest and EMI calculations with your real examples.
- 4
Go live and support
We launch and stay available for changes, backups and support.
Why choose us
Why Nidhi companies choose Decent Web Services
Experience since 2010
15+ years of building business software in Bihar, including Nidhi systems.
Accurate calculations
Interest, maturity and EMI logic tested against your own examples before launch.
Secure data
Role-based access, activity logs and regular backups.
Local support
A Muzaffarpur team that responds quickly when your branches need help.
Technology we use
- PHP
- CodeIgniter
- Laravel
- MySQL
- Android app for agents
- SMS alerts
- Cloud hosting
- Daily backups
More from us
Related services
FAQ
Nidhi software questions
Can't find your answer? Call or WhatsApp us on +91 95725 51365 and we will reply the same working day.
Ask on WhatsAppWhat is Nidhi banking software?
It is software used by Nidhi companies and similar societies to manage members, savings, FD, RD, loans, agents, accounts and reports in one system.
Can it manage FD, RD and loans together?
Yes. All account types are linked to the member record, with automatic interest, maturity dates, EMI schedules and overdue lists.
Does it support collection agents?
Yes. Agents can collect RD and loan instalments, and the software calculates their commission. We can also provide an Android app for agents.
Can I run many branches?
Yes. You can run unlimited branches from one admin panel, with branch-wise reports and controls.
What reports do I get?
Ledger, day book, trial balance, balance sheet, member and account statements, due and overdue lists and MIS reports for management and audit.
Can the software match our own interest rules?
Yes. Schemes, interest rates, penalty and commission rules are configurable, and we customise further if needed.
Can you move our existing data?
Yes. We import member and account data from Excel or your old software during setup.
Do you help with compliance reports?
The software produces the standard registers and MIS reports your auditor needs. Compliance with Nidhi Rules remains the company's responsibility, and we will tell you honestly what the software covers.
Related articles
Guides from our blog that help you decide.
Nidhi Software
Nidhi Banking Software: Features a Nidhi Company Needs
Nidhi companies handle members, deposits and loans every day. This guide lists the features your Nidhi banking software should have.
Read article → Custom SoftwareCustom Software vs Readymade Software: Which Is Right for Your Business?
Should you buy ready-made software or build your own? Compare cost, time, fit and long-term control to choose the right option.
Read article →Run your Nidhi accounts with confidence
Send us a message for a free demo and we will call you back the same working day.
Decent Web Services LLP · Basement, AT Tower, Juran Chapra Main Road, Muzaffarpur, Bihar 842003 · +91 95725 51365 · info@decentdesign.in