Trusted by 25,000+ home loan customers
Multiple lenders. Smarter technology. Personal guidance. Nivāsa brings it all together to make your home loan journey faster, simpler and more human.
₹5L–₹50L Loan Options · Rates from 9% p.a. · Zero Commission
*Terms and conditions apply.Loan approval is subject to lender policies and eligibility.
Districts Served
Families Helped
Active Advisors
Lending Partners
Our Lending Partners
Products
₹5 Lakh to ₹50 Lakh for construction. Home improvement financing are covered as part of this loan.
Learn more →Unlock funds against residential or commercial property you already own.
Learn more →Move your existing home loan to a better rate. See it on the Savings Calculator.
Learn more →Who We Help
If your income doesn't fit neatly on paper, our partner lenders still know how to read it.
Assessed on bank statements and business vintage, not filed returns.
Informal income, honestly assessed — no payslip required.
RTC and seasonal income accepted as proof, Karnataka-specific.
No PF deduction? Assessed on salary slips and bank credits instead.
Stability-linked benefits through select partner lenders.
Building on land you own? Stage-wise disbursal as you build.
Real Borrowers
"An officer came within 2 days of sharing my details, and my ₹10 lakh loan was done in two weeks."
"Other lenders didn't work out. Nivāsa sanctioned my loan in 15–20 days at a lower interest rate."
"No other finance company approved me. Nivāsa trusted me, charged no fees and processed my loan in 15 days."
"I moved my high-interest bank loan to Nivāsa and got the amount in 10 days at a better rate."
"Banks kept saying 'today, tomorrow'. Nivāsa sanctioned my loan in 15 days and cleared my old debts."
"The managers checked my work over a video call and processed my loan within a month, quickly and without neglect."
"I got my loan quickly without paying even ₹1 in commission, unlike my neighbours who borrowed elsewhere."
"I found Nivāsa on Facebook. Everything was clear, no commission was taken, and I've referred 3 people since."
"Low interest, a fair processing fee and no commission. My loan was done in 20 days."
"Two other lenders didn't come through. Nivāsa completed my loan in 10 days with no commission."
Tools
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.
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.
Questions
At Nivasa Finance, we make the home loan journey simpler and more convenient by combining local expertise with personalized support.
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 Finance may still be able to assist if you meet our lending criteria.
No. Nivasa Finance 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.
Share your number and preferred time — someone from your nearest branch will call you back.