Trusted by 25,000+ home loan customers
Multiple lenders. Smarter technology. Personal guidance. Nivāsa brings it all together to make your home loan journey faster, simpler and more human.
₹5 - ₹50* Lakhs · Interest 9% - 18%* p.a. · Zero Commission
*Terms and conditions apply.Loan approval is subject to lender policies and eligibility.
Our Lending Partners
Products
₹5–50 lakh for construction. Home improvement financing are covered as part of this loan.
Learn more →Unlock funds against residential or commercial property you already own.
Learn more →Move your existing home loan to a better rate. See it on the Savings Calculator.
Learn more →Who We Help
If your income doesn't fit neatly on paper, our partner lenders still know how to read it.
Assessed on bank statements and business vintage, not filed returns.
Informal income, honestly assessed — no payslip required.
RTC and seasonal income accepted as proof, Karnataka-specific.
No PF deduction? Assessed on salary slips and bank credits instead.
Stability-linked benefits through select partner lenders.
Building on land you own? Stage-wise disbursal as you build.
Real Borrowers
"We found out about Nivasa Finance through Google and applied for a loan. The Nivasa team visited our hotel, provided us with all the necessary information, and helped us turn our dream of building our own home into reality. We are happy that the money we were previously spending on rent can now be used towards the EMI for our own home."
"I came to know about Nivasa Finance through a recommendation from my friends. The staff were very responsive and helpful, which gave me confidence that the home loan process would be smooth and easy"
"We were facing difficulties with documentation at banks. The Nivasa Finance team visited our home, guided us through the process, and made the entire process much easier."
"I saw an advertisement on Facebook and applied for a loan. The loan was approved within just a few days, and Nivasa Finance supported me in fulfilling my dream of rebuilding my old house."
"When I couldn’t get a loan elsewhere for my property, Nivasa Finance came to my aid. I was able to get the loan I needed to construct my home and move forward with my plans."
"When we were looking for a loan to renovate our house, the Nivasa Finance team came directly to our home and helped us get a loan with no commission and at a lower interest rate. I sincerely thank them for helping us move forward and create a better future for our family."
"We found out about Nivasa Finance through Google and applied for a loan. The Nivasa team visited our hotel, provided us with all the necessary information, and helped us turn our dream of building our own home into reality. We are happy that the money we were previously spending on rent can now be used towards the EMI for our own home."
"I came to know about Nivasa Finance through a recommendation from my friends. The staff were very responsive and helpful, which gave me confidence that the home loan process would be smooth and easy"
"We were facing difficulties with documentation at banks. The Nivasa Finance team visited our home, guided us through the process, and made the entire process much easier."
"I saw an advertisement on Facebook and applied for a loan. The loan was approved within just a few days, and Nivasa Finance supported me in fulfilling my dream of rebuilding my old house."
"When I couldn’t get a loan elsewhere for my property, Nivasa Finance came to my aid. I was able to get the loan I needed to construct my home and move forward with my plans."
"When we were looking for a loan to renovate our house, the Nivasa Finance team came directly to our home and helped us get a loan with no commission and at a lower interest rate. I sincerely thank them for helping us move forward and create a better future for our family."
Tools
Move the sliders to match your loan — the ledger updates instantly. This is a soft estimate only; your matched lender may quote a different final rate.
Rate shown is representative of current partner-lender ranges, not a quote. Actual rate depends on the lender you're matched with and your profile.
Questions
At Nivasa Finance, we make the home loan journey simpler and more convenient by combining local expertise with personalized support.
Yes. A rejection by another lender does not automatically mean you are ineligible. Every application is evaluated independently. Depending on the reason for rejection, Nivasa Capital may still be able to assist if you meet our lending criteria.
No. Nivasa Capital focuses on serving customers across Karnataka, particularly in Tier-2 and Tier-3 cities and towns. We are committed to helping families in growing communities access affordable housing finance.
Typically required documents include: Katha, Deed, Aadhaar Card, PAN Card, Address Proof, Income Proof, Bank Statements, Property Documents,and Passport-size Photograph. Additional documents may be requested depending on your profile.
Once you connect with our team and share the required details and documents, we aim to assess your requirements and connect you with suitable lenders within 3 hours. Our executives will help understand your profile, review the available information and guide you towards lenders that may be a good fit for your home loan. From there, the loan approval and disbursal timeline depends on the lender's process, verification and documentation requirements.
Share your number and preferred time — someone from your nearest branch will call you back.