OUR BRANCHES · KARNATAKA
Visit our Shivamogga branch in person. Serving Shivamogga district.
REAL CUSTOMERS · SHIVAMOGGA
“Because I work in defense services with strict shift hours where mobile usage is restricted, I couldn't visit bank branches. Nivasa Finance made special arrangements to visit my residence in Shivamogga when I was off-duty, explaining their transparent interest rates (\~85 paise monthly) and collecting documents hassle-free.”
— Sathisha, Shivamogga Town, Shivamogga District
“Working in the industrial belt of Bhadravathi, I needed a loan to construct an independent house. Nivasa Finance verified my salaried company slips quickly and mapped my file to a partner bank offering affordable interest rates.”
— Prashanth K., Bhadravathi Taluk, Shivamogga District
“In Thirthahalli, our primary income comes from areca nut (*Adike*) farming. The Shivamogga branch team evaluated our agricultural yield records and structured a flexible loan agreement tailored to Malnad farming families.”
— Ganesh Bhat, Thirthahalli Taluk, Shivamogga District
“Living in a interior village near Sagara, visiting city branches is time-consuming. Nivasa Finance sent an officer directly to our home, verified our Panchayat tax receipts, and managed the paperwork on our behalf.”
— Sharadamma, Sagara Taluk, Shivamogga District
“We were constructing a home in Shikaripura on Gram Panchayat land. The Shivamogga branch team guided us through obtaining computer Khata receipts and approved our ₹8 Lakh construction loan smoothly.”
— Manjunath V., Shikaripura Taluk, Shivamogga District
FAQS
The Nivasa Finance Shivamogga branch is at H.L.V. Complex, 2nd Floor, 100 Feet Road, Opposite Freedom Park Main Gate, Vinobha Nagar, Shivamogga, Karnataka 577204. 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 Freedom Park.
No. Call +91 85499 99855 or apply on nivasafinance.com, and an officer from the Shivamogga 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 H.L.V. Complex, 100 Feet Road, Vinobha Nagar 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 Shivamogga 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 Shivamogga district. Because areca income often arrives in a few large payments a year, keep records of your crop sales and the bank statements where those payments landed, and share them with our officer.
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.