Frequently Asked Questions

Jegatheeswaran Nidhi Limited is a Nidhi company established to promote savings and thrift among its members and provide financial assistance to eligible members in accordance with applicable laws, regulations and company policies.

The company was incorporated in 2018.

The company is based in Nagercoil, Tamil Nadu.

Membership is available to eligible individuals who meet the applicable requirements governing Nidhi companies and the company's membership policies.

Contact our office or team, complete the membership application, submit the required KYC documents and complete the applicable membership formalities.

Generally, applicants may need to provide identity proof, address proof, PAN Card, photograph and other documents required by the company.

Eligible members can access applicable deposit schemes subject to the company's terms, eligibility requirements and applicable regulations.

Depending on the company's current offerings, deposit options may include Fixed Deposit, Recurring Deposit and Savings Deposit.

A Fixed Deposit allows an eligible member to place a lump sum amount for a predetermined period and earn applicable returns according to the agreed terms.

A Recurring Deposit allows eligible members to save a predetermined amount regularly over a specified tenure.

The appropriate option depends on your savings capacity, financial goals, required tenure and liquidity requirements. Our team can explain the available options and applicable terms.

Interest rates depend on the specific deposit scheme, tenure, applicable regulations and company policies. Please contact us for the current applicable rates.

Depending on the company's current offerings, eligible members may apply for Gold Loans, Mortgage Loans, Property Loans and Vehicle Loans.

Loan facilities are available to eligible members subject to the applicable scheme requirements, company policies, documentation, security requirements and regulatory provisions.

Requirements depend on the loan type. They may include KYC documents, income-related documents, security/property documents, bank details and other documents required for verification.

Processing time depends on the loan type, completeness of documentation, verification requirements, valuation and other applicable procedures.

Collateral or security requirements depend on the specific loan product. Gold Loans involve eligible gold ornaments, while property-backed loans may require eligible property as security.

Loan interest rates vary according to the loan type, amount, tenure, applicable company policy and regulatory requirements. Contact our office for current rates.

Repayment methods and schedules depend on the applicable loan agreement and company policy. Our team will explain the repayment schedule at the time of loan processing.

Early repayment or pre-closure is subject to the applicable loan agreement, company policy and applicable charges or conditions.

Delayed repayment may result in applicable charges or other consequences according to the loan agreement and company policy. Please contact the company promptly if you anticipate difficulty in making a scheduled payment.

You can contact our office during business hours for information regarding membership, deposits, loans, documentation and other services.

Yes. Members should keep their KYC and contact information updated and provide the required documents whenever changes occur.

Yes. Current deposit and loan interest rates depend on the applicable scheme and company policy. Please contact us or visit our office for the latest applicable rates.

The latest terms, conditions, interest rates, charges, eligibility requirements and applicable policies can be obtained directly from Jegatheeswaran Nidhi Limited.