OUR BRANCHES · KARNATAKA
Visit our Raichur branch in person. Serving Raichur and Yadgir districts.
REAL CUSTOMERS · RAICHUR AND YADGIR
“Living in a village near Lingsugur, travelling to Raichur city takes an entire day. I submitted an online request while watching a video ad, and a Nivasa executive called back within 30 minutes. They explained the process in simple Kannada and sent an officer to our village to collect papers for our ₹8 Lakh construction loan.”
— Shivappa, Lingsugur Taluk, Raichur District
“As an ASHA worker in Sindhanur, I wanted to improve our living conditions. Nivasa Finance provided dedicated support, evaluating our family healthcare honorarium and local income sources to offer an affordable monthly EMI plan.”
— Renuka, Sindhanur Taluk, Raichur District
“Paddy farming in Manvi means income arrives after harvest seasons. Nivasa Finance evaluated our farmland records and house plot, approving a ₹7 Lakh loan with a repayment plan matching our agricultural cycles.”
— Veeresh, Manvi Taluk, Raichur District
“Getting finance officers to visit interior villages in Devadurga is difficult. Nivasa Finance sent a relationship officer straight to our house, completed the site inspection politely, and processed our home completion loan without hassle.”
— Hussainappa, Devadurga Taluk, Raichur District
“I transferred my existing home loan in Raichur City to Nivasa Finance's partner lender. The balance transfer process was smooth, zero-commission, and immediately lowered my monthly installment outgo.”
— Basavaraju K., Raichur City, Raichur District
FAQS
The Nivasa Finance Raichur branch is at Hari Arcade, Eastern Shop No. 12-7-129/3/18-19, 18AA20 'An Arcade', Manchalpur Cross, Goshal Road, Raichur, Karnataka 584101. It is open Monday to Saturday, 9:30 AM to 6:30 PM (closed Sundays), and the phone number is +91 85499 99855. Landmark: Manchalpur Cross, Goshal Road.
No. Call +91 85499 99855 or apply on nivasafinance.com, and an officer from the Raichur 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 Hari Arcade, Manchalpur Cross, Goshal Road 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 Raichur 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 Raichur or Yadgir district. Because farm income arrives after each harvest, keep records of your crop sales and the bank statements where those payments landed, and share them with our officer.
Yes. The Raichur branch serves both Raichur and Yadgir districts, including Yadgir town, Shahapur, Shorapur and Gurmitkal. An officer can visit you in Yadgir district, so you do not need to travel to Raichur to apply. You can also call +91 85499 99855.
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.
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.