OUR BRANCHES · KARNATAKA
Visit our Hubballi branch in person. Serving Dharwad, Haveri and Gadag districts.
REAL CUSTOMERS · DHARWAD, HAVERI AND GADAG
“Being a mason (*Mestri*) in Nargund, I built homes for others but struggled to get a loan for my own house due to lack of salary slips. Nivasa Finance evaluated my daily earning capacity and verified my Gram Panchayat tax receipts, offering a genuine ₹2 Lakh completion loan that finished my roof.”
— Gullaya, Nargund Taluk, Gadag / Hubballi Hub
“As a trader in Byadgi, my daily schedule revolves around the market. The Nivasa Finance team accommodated my busy routine, providing doorstep document collection and setting up a comfortable monthly EMI schedule for my ₹12 Lakh house loan.”
— Mohamad Rasheek, Byadgi Taluk, Haveri / Hubballi Belt
“Working long shifts at a spinning mill in Shiggaon left me no time for bank visits. Nivasa officers came directly to our house, inspected the property, and helped us apply for home improvement funds respectfully.”
— Renavva, Shiggaon Taluk, Haveri / Hubballi Hub
“When private financiers in Ranebennur rejected our file due to missing tax receipts, Nivasa Finance stepped in. Their Hubballi regional team verified our secondary land papers and reopened our application smoothly.”
— Annapapa, Ranebennur Taluk, Haveri / Hubballi Hub
“Having a physical branch in Hubballi allowed us to clarify application steps directly with the regional officers. They guided us on proper document submission, ensuring our house renovation project remained on track.”
— Nasirsab, Hubballi City, Dharwad District
FAQS
The Nivasa Finance Hubballi branch is at Marvel Artiza, First Floor, Shop No. 135, Jayanagar, Vidya Nagar, Hubballi, Karnataka 580021. It is open Monday to Saturday, 9:30 AM to 6:30 PM (closed Sundays), and the phone number is +91 85499 99855.
No. Call +91 85499 99855 or apply on nivasafinance.com, and an officer from the Hubballi 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 Marvel Artiza, Vidya Nagar, Hubballi 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 Hubballi 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 income, so you do not need a salary slip or an ITR to apply. Tell our officer about all regular income in the family, including wages and any farm or shop income, and they will tell you which proof the partner lender will accept.
Do not pay. Nivasa Finance does not charge commission, and no officer needs cash from you to get a loan approved or to speed it up. Any genuine lender fee is paid through an official online payment link. If anyone, whether staff or an outside agent, asks you for cash, report it through our Grievance Redressal page or call +91 85499 99855.
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.