Trusted by 25,000+ home loan customers

Your Dream Home
With Nivasa

Multiple lenders. Smarter technology. Personal guidance. Nivāsa brings it all together to make your home loan journey faster, simpler and more human.

₹5 - ₹50* Lakhs · Interest 9% - 18%* p.a. · Zero Commission

*Terms and conditions apply.Loan approval is subject to lender policies and eligibility.

Nivasa Home Loan

Our Lending Partners

Products

Every loan for every stage of owning a home.

01

Home Loan

₹5–50 lakh for construction. Home improvement financing are covered as part of this loan.

Learn more →
02

Loan Against Property

Unlock funds against residential or commercial property you already own.

Learn more →
03

Balance Transfer

Move your existing home loan to a better rate. See it on the Savings Calculator.

Learn more →

Who We Help

Built for aspiring future homeowners.

If your income doesn't fit neatly on paper, our partner lenders still know how to read it.

Real Borrowers

What families across Karnataka say.

★★★★★

"We found out about Nivasa Finance through Google and applied for a loan. The Nivasa team visited our hotel, provided us with all the necessary information, and helped us turn our dream of building our own home into reality. We are happy that the money we were previously spending on rent can now be used towards the EMI for our own home."

Anjanaya · Arathi Village, Harihar Taluk, Davanagere District · Home Loan
★★★★★

"I came to know about Nivasa Finance through a recommendation from my friends. The staff were very responsive and helpful, which gave me confidence that the home loan process would be smooth and easy"

Aleshappa · Sadashivapura, Sasavalli, Davanagere District · Home Loan
★★★★☆

"We were facing difficulties with documentation at banks. The Nivasa Finance team visited our home, guided us through the process, and made the entire process much easier."

Gopi · Challakere, Chitradurga District · Loan Against Property (LAP)
★★★★★

"I saw an advertisement on Facebook and applied for a loan. The loan was approved within just a few days, and Nivasa Finance supported me in fulfilling my dream of rebuilding my old house."

Govindaraju · Chikkamadure, Chitradurga District · Home Loan
★★★★☆

"When I couldn’t get a loan elsewhere for my property, Nivasa Finance came to my aid. I was able to get the loan I needed to construct my home and move forward with my plans."

Raghavendra · Near RTO Office Area, Davanagere District · Home Loan
★★★★★

"When we were looking for a loan to renovate our house, the Nivasa Finance team came directly to our home and helped us get a loan with no commission and at a lower interest rate. I sincerely thank them for helping us move forward and create a better future for our family."

Vishalakshi · Vontikoppal-Mysuru · HL-Improvement
★★★★★

"We found out about Nivasa Finance through Google and applied for a loan. The Nivasa team visited our hotel, provided us with all the necessary information, and helped us turn our dream of building our own home into reality. We are happy that the money we were previously spending on rent can now be used towards the EMI for our own home."

Anjanaya · Arathi Village, Harihar Taluk, Davanagere District · Home Loan
★★★★★

"I came to know about Nivasa Finance through a recommendation from my friends. The staff were very responsive and helpful, which gave me confidence that the home loan process would be smooth and easy"

Aleshappa · Sadashivapura, Sasavalli, Davanagere District · Home Loan
★★★★☆

"We were facing difficulties with documentation at banks. The Nivasa Finance team visited our home, guided us through the process, and made the entire process much easier."

Gopi · Challakere, Chitradurga District · Loan Against Property (LAP)
★★★★★

"I saw an advertisement on Facebook and applied for a loan. The loan was approved within just a few days, and Nivasa Finance supported me in fulfilling my dream of rebuilding my old house."

Govindaraju · Chikkamadure, Chitradurga District · Home Loan
★★★★☆

"When I couldn’t get a loan elsewhere for my property, Nivasa Finance came to my aid. I was able to get the loan I needed to construct my home and move forward with my plans."

Raghavendra · Near RTO Office Area, Davanagere District · Home Loan
★★★★★

"When we were looking for a loan to renovate our house, the Nivasa Finance team came directly to our home and helped us get a loan with no commission and at a lower interest rate. I sincerely thank them for helping us move forward and create a better future for our family."

Vishalakshi · Vontikoppal-Mysuru · HL-Improvement

Tools

See your exact monthly EMI

Move the sliders to match your loan — the ledger updates instantly. This is a soft estimate only; your matched lender may quote a different final rate.

₹18,00,000
18 yrs
9.5%

Rate shown is representative of current partner-lender ranges, not a quote. Actual rate depends on the lender you're matched with and your profile.

Monthly EMI
16,420
Principal: ₹18,00,000
Interest: ₹16,45,600
Total Payment ₹34,45,600
Apply Home Loan →

Questions

Questions every Karnataka borrower asks us.

At Nivasa Finance, we make the home loan journey simpler and more convenient by combining local expertise with personalized support.

  • Access to multiple lending options – If one lender is unable to approve your application, we can assess suitable options through our network of lending partners, helping improve your chances of finding the right financing solution.
  • Expert guidance – Our experienced team understands the eligibility criteria of different lenders and helps match your profile with the most suitable financing option.
  • Competitive interest rates – We work to help eligible customers secure competitive interest rates available through our lending network.
  • Doorstep service – Our loan executives visit your home to collect documents and assist with the application process, reducing the need for repeated branch visits.
  • Personalized support – From application to disbursal, our team guides you through every step, making the process faster, simpler, and less stressful.

Yes. A rejection by another lender does not automatically mean you are ineligible. Every application is evaluated independently. Depending on the reason for rejection, Nivasa Capital may still be able to assist if you meet our lending criteria.

No. Nivasa Capital focuses on serving customers across Karnataka, particularly in Tier-2 and Tier-3 cities and towns. We are committed to helping families in growing communities access affordable housing finance.

Typically required documents include: Katha, Deed, Aadhaar Card, PAN Card, Address Proof, Income Proof, Bank Statements, Property Documents,and Passport-size Photograph. Additional documents may be requested depending on your profile.

Once you connect with our team and share the required details and documents, we aim to assess your requirements and connect you with suitable lenders within 3 hours. Our executives will help understand your profile, review the available information and guide you towards lenders that may be a good fit for your home loan. From there, the loan approval and disbursal timeline depends on the lender's process, verification and documentation requirements.

Talk to our Agent. No spam calls, ever.

Share your number and preferred time — someone from your nearest branch will call you back.