Metro Samrudhi Nidhi Limited ( Sub Banking )

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If you have any other questions metrosamridhinidhi082021@gmail.com
  • What is Metro Samrudhi Nidhi Limited?

    * It is a company incorporated on 10 August 2021.
    * Registered address: P-233, Sector-12, Pratap Vihar, Vijay Nagar, Ghaziabad, Uttar Pradesh, 201009.
    * CIN: U65990UP2021PLN150488.
    * It’s classified as a “Company limited by shares / Non-Government Company”

  • What is the authorised capital and paid-up capital of the company?

    * Authorised share capital: ? 10,00,000.
    * Paid-up capital: ? 5,00,000.

  • Who are the directors / key persons?

    According to the filings:
    * Firoz Khan (appointed 10 August 2021)
    * Vikash Kumar Mishra (appointed 2 July 2024)
    * Vikas Gupta (appointed 13 February 2025)

  • What business activities does the company undertake?

    * The company’s activity is listed as “Other financial intermediation n.e.c.” (Not elsewhere classified) per standard classification.
    * On one listing it is described as a “Nidhi” company (“Metro Samrudhi Nidhi Ltd”) and offering sub-banking services in some listings. However, official regulatory/licensing details ( whether it is registered as a full Nidhi under the Nidhi Rules) may not be clearly visible in publicly-accessible summary data.

  • What is the address and contact details?

    * Registered office: P-233, Sector-12, Pratap Vihar, Vijay Nagar, Ghaziabad, Uttar Pradesh, 201009.
    * Email listed on some platforms: samridhinidhi082021@gmail.com.
    * Note: Always verify the contact details on the company’s official website or with regulatory filings before sending funds or entering into agreements.

  • Is the company active and up to date in filings?

    * The company status is listed as Active.
    * Latest balance sheet date available (public summary) is 31 March 2023, 31 March 2024, 31 March 2025
    * Because Nidhi companies are regulated under specific rules (if applicable), you should verify compliance (for example, whether the company is registered under the Act/Rules applicable to Nidhi companies, and whether it has the necessary approvals).
    * The listing data from some providers suggests filings are limited in detail (Turnover search : “Revenue Growth … locked” ). That means for full disclosure you may need to approach official sources.

  • What are “sub-banking” services in the context of this company?

    * One listing shows “Metro Samrudhi Nidhi Sub-Banking” as a financial institution in Pratap Vihar, Ghaziabad.
    * “Sub-banking” usually refers to services provided through a smaller outlet or branch or business correspondent to provide basic banking-type services (deposits, withdrawals, etc). However: It is not automatically equivalent to being a full licensed bank (unless specifically so authorised).
    * If you are banking / depositing money with them, you should check:


    Whether they are regulated by the Reserve Bank of India (RBI) or registered as a Nidhi company under the Nidhi Rules.


    Whether your deposit is covered by any deposit insurance (e.g., via Deposit Insurance and Credit Guarantee Corporation — which typically covers banks, not necessarily Nidhi companies).


    Terms & conditions of deposits, interest, safety of funds, withdrawal rights.

  • What should I check / ask before depositing money?

    Here are some due-diligence questions:


    Ask for official documentation: certificate of registration, approval by regulatory body.


    Confirm the deposit scheme: minimum amount, interest rate, lock-in period (if any), withdrawal terms.


    Understand risks: Entities that are not banks or properly regulated may carry higher risk.


    Check whether your deposits are covered by insurance or guarantee scheme.


    Ask for audited financial statements (if available) to check the company’s financial health.


    Verify last year’s return, audit, solvency. Since public summaries show limited disclosures, this is especially important.


    Read the agreement carefully: What happens if the company winds up? What are rights of depositors?

  • Are there any red flags / caution areas?

    Yes, some caution points:


    Being styled “Nidhi” does not automatically mean it functions as a bank or is regulated like a bank.


    Depositors’ protection may be weaker compared to banks.


    Public information about the company is limited: For example, detailed audited financials are not freely available in the summary excerpts.


    The term “sub-banking” may sound like full banking, but may just mean certain services. Always ask the exact nature of services.


    Always verify the legitimacy of any branch / outlet before making large deposits.

  • If I have a grievance, whom do I approach?

    Firstly, approach the company itself: contact the registered office or branch/outlet.


    If the company is a regulated entity (Nidhi company), you may approach the department/authority under which it is registered — the relevant registration or licensing body (for Nidhi companies this may be the Registrar of Companies / state government department, depending on local rules).


    If it were a bank (which it doesn’t appear to be), you would approach RBI/ombudsman. But since this is likely not a bank, confirm the regulatory oversight.