0.92% Interest rate ₹0.00 Processing Fee
The amount calculated is approximate and excludes GST

We are dedicated to spreading smiles

How CNL Works

Chalakuzhi Nidhi Limited is an authorised and approved financial institution recognised by the Government of Kerala

Chalakuzhi Nidhi Limited

1. Visit any CNL branch

Walk into your nearest CNL branch along with your ID & Address proofs

Chalakuzhi Nidhi Limited

2. Get Gold Valued

Complete the KYC process while our experts value the gold.

Chalakuzhi Nidhi Limited

3. Get Money Instantly

Choose the best repayment option and get instant cash out!


Say Goodbye to Personal Loans, Business Loans and Scary Interest rates

Medical emergency, business needs, personal needs; No matter what your reasons are, you don’t need to borrow from individuals or banks anymore!

  • Loan against Gold
  • High per gram value
  • Low-interest rates
  • Multiple schemes
  • Instant cashout
  • Flexible repayment options
Chalakuzhi Nidhi Limited
Chalakuzhi Nidhi Limited
Chalakuzhi Nidhi Limited

Small Investments to Bigger Returns!

Build up your savings through regular monthly deposits and enjoy delightful returns. We offer 8.58% interest on deposits!!!

  • Fixed monthly investment
  • Fixed Interest Rate
  • Fixed duration of investment
  • Tax benefits
  • Flexibility of investment
  • Assured returns with benefits

Our Features

What makes us unique is our customer-centric plans. We are transparent at each level and always go the extra mile to make our customers happy.

Fast & Easy Loans

No unnecessary documentation, no hidden fee - its just fast & hassle-free gold loans (and deposit options too).

Transparent Communication

We don’t play with words and our interest rates. We assure to provide you with every bit of information about the scheme you opt.

Customer-centric schemes

CNL is a customer-centric firm and so are our services. Our schemes are tailor-made to accommodate the financial needs of everyone.

Authorised & Approved

Chalakuzhi Nidhi Limited (CNL) is an authorised financial institution approved by Central Government of India.

Chalakuzhi Nidhi Limited

Visit us today!!!

We currently offer services to customers in and around Mannar, Thiruvalla, Podiyadi, Kavumbhagom, Kadapra, and we will soon be expanding to Chengannur and Mavelikkara! Interested in collaborations? Feel free to talk to us.

Contact Us
Chalakuzhi Nidhi Limited
Chalakuzhi Nidhi Limited Chalakuzhi Nidhi Limited

We always try to understand customers expectation

We have been blessed to be able to serve more than 20000 customers during their difficult times. We are deeply indebted to all those who have put their trust in us.




Happy Customers




Localities Covered

Have any question about us?

Don't hesitate to contact us

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What customers say about Us

Thank you for all your support and trust. Remember CNL is that friend in need and you can always rely on us! Sharing kind words from our Happy Customers.

Ready to talk?

Our team is here to answer your questions

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Blogs worth reading

Read about the latest loan and deposit schemes, tax updates, investment plans and much more!