ABOUT NIVĀSA
Your Bridge to Trusted Home Loan Lenders
At Nivāsa Finance, our mission is to make affordable housing finance accessible to everyone. We act as your bridge to trusted lenders, empowering individuals and families to build their dreams, one home at a time — built on the belief that simplicity, trust, and empathy can transform the home loan experience.
Why Are We Doing This?
Owning a home is more than an aspiration
It's an essential need. Yet the path to homeownership remains daunting for many, especially in underserved communities. We're here to simplify that journey — combining technology, empathy, and clarity to remove barriers, reduce complexity, and create financial solutions that are as friendly as they are impactful.
Mission & Vision
What we stand for
Our Mission
To create a world where affordable housing finance is simple, friendly, and empowering — helping everyone own a home with dignity.
Demystifying Secured Loans
Simplify the process so anyone can understand and access it.
Empower Communities
Deliver financial solutions that create long-term impact.
Build with Technology
Leverage innovation to create personalised, efficient, scalable solutions.
Leadership
The Foundation Team
Samit Shetty
Founder and CEO
Previously Vice President of Strategy & M&A at Navi Technologies and CEO of Navi Finserv, where he pioneered digital personal and housing loans. Earlier, as Founder & CEO of Chaitanya India Micro Finance, he led its growth from a startup through its acquisition by Navi Technologies. Prior roles include Olam International. PGP, IIM Ahmedabad; BE Mechanical Engineering, Bangalore University.
Hitesh Saraf
Co-Founder and CRO
Leads credit policy and the optimal lender allocation engine. Previously built and headed the credit risk vertical at Smartcoin and Zestmoney, building AI/ML-based risk engines from scratch, enabling end-to-end automated risk decisioning. 18 years across fintechs, MNC banks, and credit bureaus. Integrated MSc Mathematics, IIT Kanpur.
Our Values
What guides every decision
Clarity Over Complexity
Financial solutions should be easy to understand and access.
Empathy at Every Step
We put people at the centre of every decision.
Integrity Without Compromise
Trust and transparency are the foundation of everything we do.
Innovation as a Way of Life
We constantly embrace technology to improve and evolve.
Solve, Don't Complain
Every challenge is an opportunity to build better systems.
Keep It Simple
Clarity and simplicity are the ultimate sophistication.
Our Goal
1 million families by 2030
By 2030, we aim to make housing finance accessible to 1 million families — building homes and securing futures for those who need them most, one house at a time. Whether as a borrower, partner, or team member, we invite you to join us in reshaping the future of affordable housing finance.
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