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Trusted Since 2009

Your Growth,
Our Commitment

Shree Nidhi Capitals brings 15+ years of trusted financial expertise to individuals and businesses across India — with transparent terms, competitive rates, and a human-first approach to lending.

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Who We Are

Rooted in Trust,
Built for Growth

Founded in 2009, Shree Nidhi Capitals was born from a simple belief: every individual and business deserves access to fair, transparent, and timely financial support. Over 15 years, we have grown from a single branch to a trusted name serving thousands of families and entrepreneurs across Gujarat and beyond.

We combine the warmth of a community lender with the professionalism of a modern financial institution — offering a full suite of loan products designed around your unique life goals, not just your credit score.

Transparent Practices
No hidden fees. No surprise charges. Every term is clearly explained before you sign.
Fast Disbursal
Most loans approved within 48 hours. Emergency funds available within 24 hours.
Growth-Oriented
Our advisors work with you to find the loan structure that supports long-term financial health.
Personal Attention
Dedicated relationship managers — not call center robots — who know your name and your story.
₹500Cr+
Loans Disbursed
18,000+
Happy Customers
15+
Years of Trust
98.4%
Satisfaction Rate

Our Products

A Loan for Every Need

From life's biggest milestones to everyday financial needs — we have you covered.

Personal Loans

From 10.5% p.a.Up to ₹25 Lakhs

Flexible personal loans for medical emergencies, travel, weddings, or any personal need — with minimal documentation and fast disbursal.

  • No collateral required
  • Tenure: 12–60 months
  • Quick 48-hr approval

Business Loans

From 12% p.a.Up to ₹2 Crores

Fuel your business ambitions with working capital loans, equipment financing, and expansion funds tailored to your cash flow cycle.

  • Working capital & term loans
  • Doorstep service available
  • Flexible repayment options

Home Loans

From 8.75% p.a.Up to ₹5 Crores

Turn your dream home into reality with competitive home loan rates, long tenures, and expert guidance through every step.

  • Tenure up to 30 years
  • Balance transfer available
  • Tax benefit eligible

Education Loans

From 9.5% p.a.Up to ₹40 Lakhs

Invest in knowledge with education loans covering tuition, accommodation, and study materials — for India and international universities.

  • Moratorium period available
  • Covers all study expenses
  • Tax deduction under Sec 80E

Gold Loans

From 7.5% p.a.Up to ₹50 Lakhs

Unlock the value of your gold assets instantly. Safe vault storage, transparent valuation, and same-day disbursal.

  • Same-day disbursal
  • Secure vault storage
  • Transparent gold valuation

Mortgage Loans

From 9% p.a.Up to ₹10 Crores

Leverage your property as collateral for high-value loans. Suitable for business expansion, investment, or emergency liquidity.

  • Commercial & residential
  • Long repayment tenure
  • Overdraft facility available

How It Works

Loan Approval
in 4 Simple Steps

We have streamlined our process to remove the friction from borrowing. From application to disbursal, expect clarity and speed at every step.

01

Apply Online or Walk In

Fill our simple form or visit any of our branches. Our advisors are available 6 days a week.

02

Document Submission

Submit minimal KYC and income documents. We accept digital uploads for your convenience.

03

Verification & Approval

Our team completes background checks and credit assessment within 24–48 hours.

04

Disbursal to Your Account

Approved funds are directly transferred to your bank account — same day or next business day.

Customer Stories

Real People. Real Impact.

Shree Nidhi Capitals processed my business loan in under 48 hours. Their team understood my seasonal cash flow and structured the repayment accordingly. Truly a partner, not just a lender.

Ramesh Patel
Small Business Owner, Ahmedabad

I was nervous about applying for a home loan, but the team held my hand through every document. The rate was competitive and the entire process was transparent with no hidden charges.

Priya Mehta
Homemaker, Surat

My education loan was approved for a foreign university within days. The moratorium period made it stress-free while I was still studying. Highly recommend to any student!

Arjun Sharma
MBBS Student, Pune

Get In Touch

We're Here to
Help You Grow

Whether you have questions about eligibility, want to compare loan options, or are ready to apply — our advisors are available Monday to Saturday, 9am to 6pm.

Call Us
+91 98765 43210
Mon–Sat, 9:00 AM – 6:00 PM
Email Us
info@shreenidhi.in
We respond within 4 business hours
Visit Us
301, Nidhi House, Ring Road
Surat, Gujarat — 395 003

Quick Loan Enquiry

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