Welcome to Cito Nidhi Limited, a fast growing and trusted Quasi-Banking Mutual Benefit Organization    |   Earn high annualized yield of 14.16%* on the Cito-444 Fixed Deposit    |   Cito Nidhi Dhanavruddhi Deposit Scheme - CITO 444 Fixed Deposit    |   



RTGS: (Real Time Gross Settlement) is the fastest possible money transfer system through the banking channel. Because settlements are made in real time, transactions are not subject to any waiting periods. We at have tie-up with Axis Bank, Lakshmi Vilas Bank and many Large Banks to process RTGS requests directly from CITO Nidhi


NEFT: National Electronic Funds Transfer is a nation-wide payment system. Under this Scheme, individuals can electronically transfer funds from any bank branch to any individual having an account with any other bank branch in the country participating in the Scheme. These transactions are settled in batches.

  • Minimum and Maximum Limit -  There is no minimum and  maximum limit under NEFT transfer
  • Can do NEFT transactions 24/7 through online mode


IMPS/UPI: Immediate Payment Service (IMPS) is an instant inter-bank electronic fund transfer service available 24x7, throughout the year including Sundays and any bank holiday. The beneficiary account is credited immediately when a Fund Transfer request is made through Mobile phone.

Customers can transfer and receive funds via IMPS using their registered Mobile number and Mobile Money Identifier (MMID) or using their Account number and IFSC code. We have partnered with Axis Bank and LVB Bank to provide this facility to CITO Nidhi Customers.


SMS ALERTS: All our customers can avail real time SMS alerts facility through CITO’s mobile banking application.

You can get instant SMS alerts for all your transactions and keeps you updated about  your account and balances. For this facility customer needs to register for SMS Alerts with CITO Nidhi Limited

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