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Welcome to SMSO Permanent Nidhi Ltd. SRIMAN MADHWA SIDHANANTHAONNAHINI PERMANENT NIDHI LIMITED. Also known as S M S O. Is established in the year 1881 by eminent personalities to cultivate the habit of thrift among the members. Since, its inception the Nidhi has changed its name as Bank to fall in the line with the, then rule of law of the Government.
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