As a Nidhi company, PCNL is authorized by its law to accept deposits from its members under different schemes from savings accounts to term deposits such as daily, monthly, and fixed deposits. The deposit schemes are outlined to yield maximum value to its members, offering an impressive rate of interest along with other benefits. The company’s rate of interest is the best rate offered in the industry compared to nationalized / cooperative banks, financial institutions, and other cooperative societies making it the preferred choice of investment by members. PCNL offers interest on fixed and recurring deposits at a rate not exceeding the maximum rate of interest prescribed by the Reserve Bank of India.

Nidhi has many features which make them outstanding from many other non-banking financial companies who are working under the rules of RBI. To lend, grant loans to the members of shareholders only as against securities of immovable properties and or on the protection of deposits, movables like gold, silver, jewellery, Kisan Vikas Patra, national saving certificates, life assurance policy and to produce every kind of financial services on the behind of private credit and member as a guarantor, as may from time to time as mentioned in law for Mutual Benefit/Nidhi companies.

Our focus is on attaining policies that promote and secure traditional banking. we at PCNL is taking a time travel to the bygone days of traditional banking, with no compromise in blending up-to-the-minute digital technology. PCNL is instituted with an object of financial enforcement and prosperity of the rural and semi-urban areas. A significant proportion of the citizens especially in the rural areas are still outside the formal fold of the banking system. We are opening doors to extend the reach of our company to those neglected masses. We provide a wide range of extreme level services for their journey towards prosperity. By introducing Revolutionary methods into every stage, we provide hassle-free financial banking to all types of customers. We believe that people are utmost productive when they are provided with an apt financial backing and aid.