Vindhyeshvari Urban Nidhi Limited
A guiding light against financial and mental stress
+91 9284004995
+91 9284004995
vmulindia@gmail.com
A guiding light against financial and mental stress
Building Financial Discipline in Every Student – A Step Towards Self-Reliance.
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For the first time in India, Vindhyeshvari Urban Nidhi Limited has launched a unique initiative for school and college students – "Student Smart Saving Account".
The purpose of this scheme is to inculcate the habit of savings among students, secure their future, and make them self-reliant and financially capable. This account is a strong step towards ensuring educational growth, financial security, and holistic development of students.
To develop the habit of saving and investing among students.
To provide financial security during education and in the future.
To make students self-reliant and financially empowered.
To contribute towards creating a responsible new generation.
To prepare a strong financial base for education, skill development, and personal growth.
Easy account opening with a minimum deposit of just ₹100.
Account will be in the student's own name, promoting financial independence.
Attractive interest rates on regular savings to maximize growth.
Special Student Identification Card provided to account holders.
Financial support for higher education, skill development, or future needs.
Practical knowledge and experience of financial management for students.
The account will be opened only in the student's name with parent/guardian's name registered along with the student.
Minimum initial deposit: ₹100 (One Hundred Rupees). Interest on savings will be as per company's prevailing policies.
On completion of studies or at the age of 25 years, this account will be automatically converted into a Regular Saving Account.
All rules and disputes shall be governed under the terms of Vindhyeshvari Urban Nidhi Limited.
Students need to approach the nearest branch or authorized representative.
Provide required documents: School/College ID, Aadhaar Card, photo, and consent letter.
After verification, the account will be activated immediately.
See how savings can grow through our unique referral clock system
(Example projections based on 625 registered accounts)
| Round | Months | Registered Accounts | Savings Per Student | Total Savings |
|---|---|---|---|---|
| First Round | First Month | 625 | ₹4,850 | ₹66,975 |
| Second Month | - | ₹8,500 | ||
| Third Month | - | ₹53,625 | ||
| Second Round | Fourth Month | 625 | ₹12,375 | ₹87,742 |
| Fifth Month | - | ₹35,243 | ||
| Sixth Month | - | ₹40,124 | ||
| Third Round | Seventh Month | 625 | ₹74,062 | ₹3,31,812 |
| Eighth Month | - | ₹93,000 | ||
| Ninth Month | - | ₹1,64,750 | ||
| Fourth Round | Tenth Month | 625 | ₹1,84,000 | ₹6,77,125 |
| Eleventh Month | - | ₹2,31,250 | ||
| Twelfth Month | - | ₹2,62,875 |
Registration shall be deemed valid only upon completion of the prescribed digital registration process through the Company's authorized platform. Any offline registration shall be considered null and void.
All payments must be made through digital banking channels (UPI, Net Banking, IMPS, or NEFT). Cash payments or transfers to individual accounts are not accepted.
Payments must be made exclusively to the official account of Vindhyeshvari Urban Nidhi Limited. Payments to third-party accounts will not be recognized.
Members must provide Transaction ID/UTR Number during registration and retain valid transaction receipt/screenshot for verification purposes.
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