About Nivi Loans
Empowering Individuals & Businesses with Simple Property Credit
Big banks weren't built for a farmer near Najibabad or a shopkeeper in Bijnor's market — so we became the bridge. As a Business Correspondent (BC) partner, Nivi Loans connects everyday people in Haridwar and Bijnor to leading banks and NBFCs, turning complicated credit processes into something simple, honest, and genuinely within reach.
Who We Are
Nivi Loans is a Business Correspondent (BC) partner based in Haridwar, Uttarakhand, serving customers within 70 km of Haridwar and 70 km of Bijnor. We specialize in Home Loans, Loans Against Property (LAP), and Plot Loans, working closely with trusted lending partners. Our simple, paperwork-light process means salaried professionals, farmers, and small business owners can all get the credit they need — regardless of whether they have formal income proof.
Outstanding Portfolio with RE
A quick view of the current portfolio backed by our registered entity relationships.
Our Vision
Our vision is to become India's most helpful and trusted loan partner for property-backed loans. We want to make sure no applicant gets rejected just because of non-traditional income proof, giving everyone equal access to financial support.
Our Mission
Our mission is to help every hardworking individual buy their dream house or get cash against their property through a fast, fair, and clear process. We aim to remove complicated bank steps so both salaried and self-employed borrowers can grow without stress.
Our Founding Story
Nivi Loans started in Haridwar after we noticed how hard it was for everyday people to get property loans from big banks. Salaried workers lost weeks to slow processes, while self-employed shopkeepers were turned away for not having standard tax files. We created Nivi Loans as a dedicated BC partner to change this system completely. By bringing the entire application online and supporting all types of income proofs, we made property loans quick and simple for everyone.
What started as a small effort to help a handful of families in Ranipur has since grown into partnerships with some of India's most trusted lenders — DMI Housing Finance, Union Bank of India, LoanTap, and Chinmay Finance. Along the way, we've helped facilitate over ₹50 crore in loans for more than 500 families and small business owners across the region.
We've built a team that understands the local reality — the seasonal cash flow of farmers near Najibabad, the daily rhythms of shopkeepers in Bijnor's markets, and the modest but steady incomes of salaried employees in Jwalapur. As we continue to grow, our commitment stays the same: no one should be turned away from owning a home or growing their business just because their income doesn't fit a standard template.