4.8

Trusted by 1000+ home loan customers

Trusted by 1000+ home loan customers

Your Dream Home, Together with Nivāsa

Nimma Kanasina Mane, Nivāsa Da Jothege

Aapka Sapno Ka Ghar, Nivāsa Ke Saath

Your Dream Home, Together with Nivāsa

Your Dream Home, Together with Nivāsa

Nimma Kanasina Mane, Nivāsa Da Jothege

Aapka Sapno Ka Ghar, Nivāsa Ke Saath

Your Dream Home, Together with Nivāsa

Your Dream Home, Together with Nivāsa

Nimma Kanasina Mane, Nivāsa Da Jothege

Aapka Sapno Ka Ghar, Nivāsa Ke Saath

Your Dream Home, Together with Nivāsa

Get Home Loan ₹5 lakh -35 lakh*

Get Loan ₹5-35 * lakh

Interest: 11% - 18%* p.a.

Interest: 11% - 18% * p.a.

Tenure up to 20 years*

*Terms and conditions apply. Loan approvals are subject to the discretion of our Partner banks/NBFC's regulated by RBI.

WE ARE PARTNERED WITH multiple
RBI authorized Banks/NBFC's/HFC's.

WE ARE PARTNERED WITH multiple
RBI authorized Banks/NBFC's/HFC's.

WE ARE PARTNERED WITH multiple RBI authorized Banks/NBFC's/HFC's.

Our Home Loan Services

Our Home Loan Services

Our Home Loan Services

Your Partner in Unlocking the Power of Your Home

Your Partner in Unlocking the Power of Your Home

Home Construction Loans

Home Construction Loans

Facilitating customized funding through our partner banks to build your dream house. Benefit from flexible, stage-wise disbursements that align with your construction progress.

Loan amount up to ₹35 lakh*

Flexible repayment options

Competitive interest rates 11% to 18%*

Quick and easy application process

Home Construction Loans

Facilitating customized funding through our partner banks to build your dream house. Benefit from flexible, stage-wise disbursements that align with your construction progress.

Loan amount up to ₹35 lakh*

Flexible repayment options

Competitive interest rates 11% to 18%*

Quick and easy application process

Loans Against Home

Loans Against Home

Unlock the equity in your property to fund significant life requirements. As an authorized intermediary, we help you find tailored solutions for business growth or education using your home as security.

Loan amount up to ₹35 lakh*

Covers under-construction and Ready to occupy properties

Flexible repayment options

Loans Against Home

Unlock the equity in your property to fund significant life requirements. As an authorized intermediary, we help you find tailored solutions for business growth or education using your home as security.

Loan amount up to ₹35 lakh*

Covers under-construction and Ready to occupy properties

Flexible repayment options

Balance Transfer of Home Loans

Balance Transfer of Home Loans

We help you evaluate your current home loan and explore transfer options to our premium partners for potentially better rates.

Loan amount up to ₹35 lakh*

Easy application process for quick approval

Balance Transfer of Home Loans

We help you evaluate your current home loan and explore transfer options to our premium partners for potentially better rates.

Loan amount up to ₹35 lakh*

Easy application process for quick approval

Why Choose Nivasa

Why Choose Nivasa

Why Choose Nivasa

Trust, Transperncy and Easy process.

Trust, Transperncy and Easy process.

Trust, Transperncy and Easy process.

Quick, Transparent, and Simple Financing

At Nivasa Finance, we prioritize your convenience and peace of mind. Our process is designed to be swift, clear, and reliable, ensuring you get the financial support you need without the usual hassle. With us, you can expect quick approvals, transparent dealings, and assured services.

Doorstep Service at Your Convenience

We understand that your time is valuable. That's why we bring our services to your doorstep. Our dedicated team will visit you at your convenience to handle all the paperwork and formalities, making the loan process seamless and stress-free.

Flexible Tenure Options Up to 20 Years

We offer flexible repayment options with tenures extending up to 20 years, allowing you to choose a plan that best suits your financial situation. This flexibility ensures that your repayments are manageable and aligned with your long-term financial goals.

Quick, Transparent, and Simple Financing

At Nivasa Finance, we prioritize your convenience and peace of mind. Our process is designed to be swift, clear, and reliable, ensuring you get the financial support you need without the usual hassle. With us, you can expect quick approvals, transparent dealings, and assured services.

Doorstep Service at Your Convenience

We understand that your time is valuable. That's why we bring our services to your doorstep. Our dedicated team will visit you at your convenience to handle all the paperwork and formalities, making the loan process seamless and stress-free.

Flexible Tenure Options Up to 20 Years

We offer flexible repayment options with tenures extending up to 20 years, allowing you to choose a plan that best suits your financial situation. This flexibility ensures that your repayments are manageable and aligned with your long-term financial goals.

We have built our reputation on expertise, speed, and absolute transparency.

  • Zero Commission Policy: Our expert advisory and doorstep services come at no extra cost to you. We do not charge customers any commission.

  • Access Reducing Balance Interest Rates: You pay less over time as your principal decreases with each EMI payment or any prepayment.

  • Doorstep Service & Handholding: From document collection at your home to final disbursement, our team manages the legwork so you don't have to.

  • Inclusive Eligibility: We believe in your potential. We specialize in assisting customers with diverse income sources (business, labor, agriculture, salaried, etc. ).

  • Absolute Transparency: No hidden charges. No surprises. Just honest financial guidance.

Why Families Trust Nivasa Finance ?

We have built our reputation on expertise, speed, and absolute transparency.

  • Zero Commission Policy: Our expert advisory and doorstep services come at no extra cost to you. We do not charge customers any commission.

  • Access Reducing Balance Interest Rates: You pay less over time as your principal decreases with each EMI payment or any prepayment.

  • Doorstep Service & Handholding: From document collection at your home to final disbursement, our team manages the legwork so you don't have to.

  • Inclusive Eligibility: We believe in your potential. We specialize in assisting customers with diverse income sources (business, labor, agriculture, salaried, etc. ).

  • Absolute Transparency: No hidden charges. No surprises. Just honest financial guidance.

Why Families Trust Nivasa Finance ?

We have built our reputation on expertise, speed, and absolute transparency.

  • Zero Commission Policy: Our expert advisory and doorstep services come at no extra cost to you. We do not charge customers any commission.

  • Access Reducing Balance Interest Rates: You pay less over time as your principal decreases with each EMI payment or any prepayment.

  • Doorstep Service & Handholding: From document collection at your home to final disbursement, our team manages the legwork so you don't have to.

  • Inclusive Eligibility: We believe in your potential. We specialize in assisting customers with diverse income sources (business, labor, agriculture, salaried, etc. ).

  • Absolute Transparency: No hidden charges. No surprises. Just honest financial guidance.

Why Families Trust Nivasa Finance ?

Customer Experience Is the Heart of Our Business

Customer Experience Is the Heart of Our Business

Customer Experience Is the Heart of Our Business

Their Stories, In Their Words

Their Stories, In Their Words

Their Stories, In Their Words

Apply for a Home Loan

Apply for a Home Loan

Apply for a Home Loan

Unlock the power of your home

Unlock the power of your home

**By clicking on this, you authorize Nivasa Finance to contact you regarding home financing options. No fees are charged to customers.

Frequently Asked Questions

Frequently Asked Questions

Frequently Asked Questions

Clear Answers for Confident Decisions, Curated by Nivasa Finance Experts with 25 Years of Experience Helping Thousands of home owners

Clear Answers for Confident Decisions, Curated by Nivasa Finance Experts with 25 Years of Experience Helping Thousands of home owners

What is a home loan?

Can I qualify for a home loan with a ₹30,000 salary?

Who is eligible for a home loan?

Is it possible to obtain a home loan that covers 100% of the property's value?

What is the right age to take home loan?

Should I buy a house if my salary is ₹40000?

Can housewife get home loan?

Which bank has the cheapest home loan?

Can I take a home loan for 10 years?

What is a home loan?

Can I qualify for a home loan with a ₹30,000 salary?

Who is eligible for a home loan?

Is it possible to obtain a home loan that covers 100% of the property's value?

What is the right age to take home loan?

Should I buy a house if my salary is ₹40000?

Can housewife get home loan?

Which bank has the cheapest home loan?

Can I take a home loan for 10 years?

What is a home loan?

Can I qualify for a home loan with a ₹30,000 salary?

Who is eligible for a home loan?

Is it possible to obtain a home loan that covers 100% of the property's value?

What is the right age to take home loan?

Should I buy a house if my salary is ₹40000?

Can housewife get home loan?

Which bank has the cheapest home loan?

Can I take a home loan for 10 years?

"Nivasa Finance" is a brand used by Niketan Financial Services Private Limited which is a sister concern of Nivasa Capital Private Limited. Both of these are wholly owned subsidiaries of Oka Housing Technologies Private Limited.

Niketan Financial Services Private Limited (Nivasa Finance) is an intermediary and Direct Selling Agent of RBI authorized Banks/NBFC's.

Registration Information of Niketan Financial Services Private Limited

CIN : U64990KA2025PTC212331
GST : 29AALCN0968L1ZQ

*Terms and conditions apply. Loan approvals are subject to the discretion of our Partner banks/NBFC's regulated by RBI.

Niketan Financial Services Private Limited is a registered corporate partner with;

1) Muthoot Housing Finance Company Limited (Certificate No. : IN-KA45410114841114Y),

2) Jana Small Finance Bank Limited (Certificate No. : IN-KA47641739261374Y),

3) Veritas Finance Private Limited (Certificate No. : IN-KA46612278606611Y),


Nivasa Finance does not charge any commission or service fees to the customers.

Nivasa Finance provides equal opportunity assistance to all applicants in our service areas regardless of gender, religion, or community.

"Nivasa Finance" is a brand used by Niketan Financial Services Private Limited which is a sister concern of Nivasa Capital Private Limited. Both of these are wholly owned subsidiaries of Oka Housing Technologies Private Limited.

Niketan Financial Services Private Limited (Nivasa Finance) is an intermediary and Direct Selling Agent of RBI authorized Banks/NBFC's.

Registration Information of Niketan Financial Services Private Limited

CIN : U64990KA2025PTC212331
GST : 29AALCN0968L1ZQ

*Terms and conditions apply. Loan approvals are subject to the discretion of our Partner banks/NBFC's regulated by RBI.

Niketan Financial Services Private Limited is a registered corporate partner with;

1) Muthoot Housing Finance Company Limited (Certificate No. : IN-KA45410114841114Y),

2) Jana Small Finance Bank Limited (Certificate No. : IN-KA47641739261374Y),

3) Veritas Finance Private Limited (Certificate No. : IN-KA46612278606611Y),


Nivasa Finance does not charge any commission or service fees to the customers.

Nivasa Finance provides equal opportunity assistance to all applicants in our service areas regardless of gender, religion, or community.

"Nivasa Finance" is a brand used by Niketan Financial Services Private Limited which is a sister concern of Nivasa Capital Private Limited. Both of these are wholly owned subsidiaries of Oka Housing Technologies Private Limited.

Niketan Financial Services Private Limited (Nivasa Finance) is an intermediary and Direct Selling Agent of RBI authorized Banks/NBFC's.

Registration Information of Niketan Financial Services Private Limited

CIN : U64990KA2025PTC212331
GST : 29AALCN0968L1ZQ

*Terms and conditions apply. Loan approvals are subject to the discretion of our Partner banks/NBFC's regulated by RBI.

Niketan Financial Services Private Limited is a registered corporate partner with;

1) Muthoot Housing Finance Company Limited (Certificate No. : IN-KA45410114841114Y),

2) Jana Small Finance Bank Limited (Certificate No. : IN-KA47641739261374Y),

3) Veritas Finance Private Limited (Certificate No. : IN-KA46612278606611Y),


Nivasa Finance does not charge any commission or service fees to the customers.

Nivasa Finance provides equal opportunity assistance to all applicants in our service areas regardless of gender, religion, or community.

Registered offices:

Phone Number : 8549999855


Niketan Financial Services Private Limited - NO.7/1 (Old No. 4/5) Ali Askar Road, Vasanth Nagar, H.K.P. Road, Bangalore North, Bangalore - 560052, Karnataka.


Oka Housing Technologies Private Limited - NO.7/1 (Old No. 4/5) Ali Askar Road, Vasanth Nagar, H.K.P. Road, Bangalore North, Bangalore - 560052, Karnataka.


Nivasa Capital Private Limited - NO.7/1 (Old No. 4/5) Ali Askar Road, Vasanth Nagar, H.K.P. Road, Bangalore North, Bangalore - 560052, Karnataka.


Branches: Mysore, Mandya, Ramanagara (Bengaluru South).

© 2025 NIKETAN FINANCIAL SERVICES PRIVATE LIMITED. All Rights Reserved.

Registered offices:

Phone Number : 8549999855


Niketan Financial Services Private Limited - NO.7/1 (Old No. 4/5) Ali Askar Road, Vasanth Nagar, H.K.P. Road, Bangalore North, Bangalore - 560052, Karnataka.


Oka Housing Technologies Private Limited - NO.7/1 (Old No. 4/5) Ali Askar Road, Vasanth Nagar, H.K.P. Road, Bangalore North, Bangalore - 560052, Karnataka.


Nivasa Capital Private Limited - NO.7/1 (Old No. 4/5) Ali Askar Road, Vasanth Nagar, H.K.P. Road, Bangalore North, Bangalore - 560052, Karnataka.


Branches: Mysore, Mandya, Ramanagara (Bengaluru South).

© 2025 NIKETAN FINANCIAL SERVICES PRIVATE LIMITED. All Rights Reserved.