OUR BRANCHES · KARNATAKA
Visit our Davanagere branch in person. Serving Davanagere and Chitradurga districts.
REAL CUSTOMERS · DAVANAGERE AND CHITRADURGA
“I work as a technician at the JSW Wind Energy project near Jagalur and wanted to build a concrete house for my mother. Because the property was in my mother's name while the salary was mine, other lenders created complications. Nivasa Finance evaluated our joint family application and approved our ₹10 Lakh home loan smoothly.”
— Ajay Kumar, Jagalur Taluk, Davanagere District
“After facing delays with local financiers in Harihara, I applied through Nivasa Finance. Their Davanagere field officer contacted us, scheduled a home visit at our convenience, and collected our documents without requiring endless trips to the branch office.”
— Honnappa, Harihara Taluk, Davanagere District
“Our house in Channagiri sits on Gram Panchayat land with tax receipts. The Davanagere branch team verified our rural property records and arranged a competitive home loan that allowed us to complete our roofing and wall plastering work.”
— Manjunatha G., Channagiri Taluk, Davanagere District
“We were paying heavy monthly interest to local private lenders in Honnali. Nivasa Finance transferred our loan account to a formal partner bank, cutting our monthly EMI outlay almost in half.”
— Siddeshwara, Honnali Taluk, Davanagere District
“Working in Vidyanagar, Davanagere, I had little time to handle bank paperwork. Nivasa Finance sent an officer directly to my office to complete the application, verify salary documents, and initiate the site valuation within 48 hours.”
— Rekha B., Davanagere City (Vidyanagar), Davanagere District
FAQS
The Nivasa Finance Davanagere branch is at Maltesh Nilaya, #2536/1P, Opposite Sri Krishna Kala Mandira, MCC 'A' Block, Davanagere, Karnataka 577004. It is open Monday to Saturday, 9:30 AM to 6:30 PM (closed Sundays), and the phone number is +91 85499 99855. Landmark: opposite Sri Krishna Kala Mandira, MCC 'A' Block.
No. Call +91 85499 99855 or apply on nivasafinance.com, and an officer from the Davanagere branch will visit your home or site at a time that suits you to collect documents and see the property. If you prefer to meet in person, the branch at MCC 'A' Block, Davanagere is open Monday to Saturday, 9:30 AM to 6:30 PM (closed Sundays).
No commission. Nivasa Finance does not charge you any commission or broker fee for arranging your loan through the Davanagere branch. The partner bank or NBFC that sanctions your loan may charge its own fees, such as a login or processing fee, and some lenders deduct insurance premiums from the amount they disburse. Ask your officer for the full list of charges and deductions before you pay anything, and pay only through the official online payment link, never in cash to any individual.
After an officer has verified your property and collected your documents, Nivasa Finance matches your file to a suitable partner lender within 3 days. From there, the lender carries out its own checks, usually a property valuation and a credit review, before it sanctions and disburses the loan. The total time depends on the lender and on how quickly any document gaps are fixed.
Yes. Partner lenders in Nivasa Finance's network consider self-employed applicants who do not file ITR, using bank or UPI transaction history to show income. Self-employed applicants without ITR made up 14.8% of the 7,123 Nivasa Finance applicants who told us their income type (November 2024 to August 2026). Keep 6 to 12 months of bank or UPI statements ready, and tell our officer about all regular income in the family. A co-applicant's income can strengthen the file.
Yes, often. In Nivasa Finance's data, applicants whose property had a B-khata received a loan offer from a partner lender 44.3% of the time, and those with a Form 3 extract 37.8% of the time, close to the 39.9% for A-khata property. Applicants with no khata at all received an offer only 14.1% of the time (27,797 screened applications across Karnataka, September 2024 to September 2026). A khata is the record your local body (city corporation, municipality or gram panchayat) keeps of who owns a property and pays its tax. Having no khata at all cuts your chances sharply, so if yours is still pending, tell our officer at the start.
It is possible, but harder. In Nivasa Finance's data, applicants with a credit score of 750 or above received a loan offer from a partner lender 48.9% of the time, while those below 650 received one 22.5% of the time. A low score was the reason behind 65.4% of credit-decision rejections (20,336 rejections across Karnataka, September 2024 to September 2026). If you have never taken a loan, you are not at the same disadvantage: applicants with no credit score received an offer 39.6% of the time. A CIBIL or credit score is a three-digit number between 300 and 900 that credit bureaus give you based on how you have repaid past loans and credit cards.
You will usually need three sets of papers: identity and address proof (Aadhaar and PAN), income proof, and property papers (khata extract, latest tax receipt, and sale or partition deed). Income proof can be bank statements, salary slips or ITR. Not every applicant needs all three, and applicants without ITR are considered. The exact list depends on your income type and the partner lender, so ask the officer who visits you for a written list on the first visit.