Families in rural and semi-urban Karnataka can now apply for HDFC Bank home loans through Nivasa Finance, an authorised channel partner of HDFC Bank, with a Nivasa loan expert visiting them at home and handling the paperwork. The partnership, announced on 28 September 2026, is available across the 23 districts Nivasa Finance serves, and Nivasa charges customers zero commission.
HDFC Bank decides who gets a loan and on what terms. Nivasa Finance's job is to get your file to that decision properly prepared: checking your income and property documents, explaining what the bank needs in Kannada, and staying with you until the money is released.
- Partner: HDFC Bank joins Nivasa Finance's network of RBI-regulated partner banks and NBFCs.
- Nivasa Finance's role: authorised channel partner. HDFC Bank sanctions and disburses the loan.
- Loans you can apply for: Home Construction, Home Improvement, Loan Against Property, and Balance Transfer with Top-Up.
- Where: 23 districts of Karnataka outside Bengaluru, through 11 Nivasa branches.
- Cost of Nivasa's service: zero commission. HDFC Bank's own charges are listed in the Key Fact Statement it gives you before you sign.
- How to apply: call or WhatsApp +91 85499 99855, or apply online.
What does the Nivasa Finance–HDFC Bank partnership change for you?
HDFC Bank brings the home loan, and Nivasa Finance brings the process to your door. In practice:
| HDFC Bank | Nivasa Finance | What it means for you | |
|---|---|---|---|
| The loan | Sanctions and disburses the loan under its own credit policy | Prepares your file and submits it to the bank | You can apply to the same bank that city borrowers use, without leaving your town |
| Paperwork | Sets the document requirements | Collects and checks documents with you, at home, in Kannada | No repeated trips to offices and no forms you do not understand |
| Matching | Assesses your application | Checks your profile against HDFC Bank and other partner lenders before applying | Your application goes where it has a fair chance, not just to the first lender you find (see how the multi-lender model works) |
| Support | Disbursal and loan servicing | One Nivasa expert from first call to disbursement | One person to call at every step |
Which HDFC Bank loans can you apply for through Nivasa Finance?
| Loan | Use it for | Learn more |
|---|---|---|
| Home Construction Loan | Building a house on land you already own. Money is released in stages as construction progresses | Self-construction loans |
| Home Improvement Loan | Adding a floor, replacing a roof, repairs or extension | Home improvement loans |
| Loan Against Property | Business, education, medical or other needs, using a house you own as security | Loan against property |
| Balance Transfer with Top-Up | Moving an existing home loan, and borrowing extra on the same house | Balance transfer |
Loan amounts arranged through Nivasa Finance range from ₹5 lakh to ₹50 lakh.
Building a house is the most common need by far. 57.4% of families who enquired with Nivasa Finance wanted to build on land they already own (48,625 enquiries with a loan purpose recorded, September 2024 – September 2026). Our guide on which home loan is right for you shows how that breaks down.
Who can apply for an HDFC Bank home loan through Nivasa?
Anyone in the districts we serve who needs ₹5 lakh to ₹50 lakh for one of the four loans above can start an application. Nivasa Finance works with all income types: farming and dairy income, rental income, daily wages, salary paid in cash or into a bank account, and small business income. HDFC Bank then decides, under its own credit policy, whether your income and property meet its requirements. Where they do not, Nivasa checks whether another lender in our network is a better fit. Your credit score and your khata type are two of the first things checked.
Some examples of who this is for:
- A dairy farmer in Haveri who wants to build a pucca house on his family's land can apply for a Home Construction Loan. Nivasa will check his dairy income records against HDFC Bank's requirements before applying.
- A teacher in Chitradurga who wants to add a first floor for her son's family can apply for a Home Improvement Loan.
- A shop owner in Hassan with an expensive existing home loan can check whether a Balance Transfer with Top-Up to HDFC Bank would lower his EMI and give him extra funds.
- A transport operator in Vijayapura who needs money for a second vehicle can apply for a Loan Against Property on his house.
Illustrative examples, not real customers. Eligibility and loan terms are decided by HDFC Bank.
Where in Karnataka is the HDFC Bank partnership available?
In all 23 districts Nivasa Finance serves: Mysuru, Chamarajanagar, Mandya, Ramanagara, Hassan, Chikkamagaluru, Kodagu, Ballari, Vijayanagara, Koppal, Davanagere, Chitradurga, Belagavi, Dharwad, Haveri, Gadag, Bagalkot, Vijayapura, Shivamogga, Uttara Kannada, Raichur, Yadgir and Tumakuru.
Nivasa Finance branches: Mysuru · Mandya · Hassan · Hosapete · Davanagere · Belagavi · Hubballi · Bagalkot · Shivamogga · Raichur · Tumkur
A Nivasa loan expert visits you at home, or at a time and place that suits you, so you do not need to live near a branch.
Does Nivasa Finance charge a fee for an HDFC Bank home loan?
No. Nivasa Finance charges customers zero commission. You pay only the charges HDFC Bank applies to its loans, such as its processing fee, and government charges like stamp duty. HDFC Bank must list every one of its charges in the Key Fact Statement (KFS) it gives you before you sign. Under RBI rules, a lender cannot charge a fee that is not in the KFS without your explicit consent. For typical amounts, see our breakdown of every home loan charge in Karnataka.
How do you apply for an HDFC Bank home loan through Nivasa?
- Contact Nivasa Finance: call or WhatsApp +91 85499 99855, or apply online.
- A Nivasa loan expert calls you back to understand your need, income and property.
- Home visit: the expert visits you, checks your property, and collects your documents.
- Lender matching: within 3 days of property verification and document collection, Nivasa matches your file to HDFC Bank or another partner lender that fits your profile. Our data on how long each stage of a home loan takes shows what to expect after that.
- The bank decides: HDFC Bank assesses your application, issues the sanction and Key Fact Statement, and releases the money. Your Nivasa expert stays with you until disbursement.
If an application is declined, here is what to check before you reapply.
Why is HDFC Bank a significant partner for Karnataka home loan seekers?
HDFC Bank is India's largest private-sector bank. Its home loan business comes from HDFC Ltd, which was set up in 1977 as India's first specialised housing finance company and merged into HDFC Bank on 1 July 2023. For a family in a Karnataka village, the partnership means one more lender, and a well-known one, that can look at their application. Nivasa handles the parts of the process that usually put rural families off.
"A family in a Karnataka village deserves the same choice of lender, the same quality of home loan and the same respect as a family in Bengaluru. With HDFC Bank on board, a family building its home in a village can now apply to the same bank as a family buying a flat in the city. That is why Nivasa exists."
Samit Shetty, Founder & CEO, Nivasa Finance