OUR BRANCHES · KARNATAKA
Visit our Mysuru branch in person. Serving Mysuru and Chamarajanagar districts.
REAL CUSTOMERS · MYSURU AND CHAMARAJANAGAR
“When we decided to construct our independent house in Periyapatna, we wanted complete clarity on monthly EMIs without hidden charges. Visiting the Nivasa Finance office on 100 Feet Road gave us total peace of mind. The team explained the exact interest rates and provided doorstep support for document collection, making the entire application process transparent.”
— Santhosh Kumar, Periyapatna Taluk, Mysuru District
“Our property in Hunsur falls under Gram Panchayat Form 3 jurisdiction, which made traditional banks hesitant. Nivasa Finance sent a field relationship officer directly to our house in Hunsur to verify our local tax receipts. Having multiple partner finance options helped us secure an affordable ₹8 Lakh completion loan without paying a single rupee in commission.”
— Mahadeva Swamy, Hunsur Taluk, Mysuru District
“We needed extra funds to add a second floor to our house in Nanjangud. The Nivasa Finance Mysuru team evaluated our family income and streamlined the entire documentation process right at our doorstep, allowing us to start construction without taking time off from work.”
— Nanjunda Prasad, Nanjangud Taluk, Mysuru District
“As a self-employed tailor in T. Narasipura, reading complex English loan forms was difficult. Nivasa Finance provided a dedicated Kannada-speaking officer who explained the processing fees and monthly EMI schedule verbally. Their respectful doorstep service gave my family the support we needed.”
— Savithramma, T. Narasipura Taluk, Mysuru District
“I held an expensive home loan with a local private finance company at high interest rates. Through Nivasa Finance's Balance Transfer facility, I moved my ₹15 Lakh account to a partner lender with significantly lower EMIs, saving thousands of rupees every month.”
— Ramesha M., KR Nagar Taluk, Mysuru District
FAQS
The Nivasa Finance Mysuru branch is at 1st Floor, 980/A, TK Layout, Mysuru, Karnataka 570009. 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 Mysuru 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 TK Layout, Mysuru 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 Mysuru 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 farm and dairy income, including income received in cash. You do not need a salary slip or an ITR to apply in Mysuru or Chamarajanagar district. Tell our officer about every regular source of income in the family, such as crop sales, milk sales and wages, 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 can apply for a balance transfer through Nivasa Finance, but it is harder to get than a new home loan. In our data, 18.0% of 1,406 screened home loan balance-transfer applications received an offer from a partner lender, compared with 30.3% of 21,538 new home loan applications (Karnataka, September 2024 to September 2026). A balance transfer moves your outstanding loan to a new lender, often with a top-up amount added. The new lender looks closely at how regularly you have paid your current EMIs, so keep your repayment record clean before you apply.