OUR BRANCHES · KARNATAKA
Visit our Hassan branch in person. Serving Hassan and Chikkamagaluru districts.
REAL CUSTOMERS · HASSAN AND CHIKKAMAGALURU
“We needed ₹5 Lakhs to expand our retail store and build a cattle shelter in Belur. Major banks demanded urban layout permissions that rural businesses don't have. Field Officer Kumaraswamy from the Hassan branch personally visited our property, verified our local trade income, and guided us through submitting our tax receipts politely.”
— Rangaswamy & Family, Belur Taluk, Hassan District
“As a healthcare lab technician working long shifts in Hassan, I needed additional top-up funds to finish our house renovation. The Hassan team evaluated our joint household income quickly and offered a structured repayment plan that fit within our monthly salary budget.”
— Vedavathi, Hassan Town, Hassan District
“I applied online through a social media ad while looking for house repair funds. The Hassan branch customer care team called back promptly, explained the document requirements in simple Kannada, and guided us on how to proceed without hassle.”
— Chandramma, Arasikere / Kadur Belt, Hassan Region
“Navigating e-Swathu portal Khata documentation in Holenarasipura was confusing. The Nivasa team assisted us in obtaining the correct Gram Panchayat computer receipts and mapped our file to a partner lender for a smooth ₹8 Lakh sanction.”
— Kumaraswamy H.N., Holenarasipura Taluk, Hassan District
“I was paying nearly 18% interest on an existing home loan in Channarayapatna. Nivasa Finance facilitated a hassle-free Balance Transfer to a reputable partner bank at a much lower interest rate, reducing my monthly financial burden.”
— Yogesh Gowda, Channarayapatna Taluk, Hassan District
FAQS
The Nivasa Finance Hassan branch is at 'Shivakeshava Enclave', Site No. 209, Opposite Malnad Engineering College Main Gate, Vidyuth Nagara, Hassan, Karnataka 573202. 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 the main gate of Malnad Engineering College.
No. Call +91 85499 99855 or apply on nivasafinance.com, and an officer from the Hassan 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 Vidyuth Nagara, opposite Malnad Engineering College 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 Hassan 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 daily-wage and cash-salary income as well as farm income from coffee, areca and other crops. You do not need a salary slip or an ITR to apply. Tell our officer about all regular family income, including estate wages and crop sales, and they will tell you which proof the partner lender will accept.
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.