Earn interest on your savings, open a Savings Account today & Start Savings. The future is uncertain and you need to prepare for rainy days. Therefore, saving has become a necessity today. Save your hard-earned money at SMJ India Nidhi Limited and transform the way you manage your money. Our Savings Account accommodates exclusive benefits and competitive rates to help you to grow your fund. Start earning up to 5.50%* p.a. on your money instantly with us.