Home Loans Investment For Schools For Hospitals For Societies Investors Insights Partners Contact Join Waitlist → Refer & Earn
Partner institutions regulated by RBI/SEBI AES-256 Encrypted · TLS 1.3 Encryption CKYC Verified BBPS Integrated Zero Data Selling Policy 236+ Institutional Partners 1,000+ Waitlist Users Partner institutions regulated by RBI/SEBI AES-256 Encrypted · TLS 1.3 Encryption CKYC Verified BBPS Integrated Zero Data Selling Policy 236+ Institutional Partners 1,000+ Waitlist Users
Every milestone. One platform.

Every milestone. One platform.
India's financial distribution platform.

Compare home loan offers from multiple banks & NBFCs, invest in FDs & Digital Gold, and enable EMI-based payments for schools, hospitals & societies — all on one unified financial platform.

236+
Institutional Partners
6+
Financial Products
1K+
Early Waitlist
✓ Eligibility Checked via Partner Network
Savings Goal
₹2.4L
Good morning,
Rahul Kumar
RK
Loan Discovery Status
₹1,85,000
Eligibility assessed by lending partner
🏠
Home Loan
₹45L options
📚
School EMI
Active · 3 EMIs left
💊
Healthcare EMI
₹24K → EMI plan
🏦
Investments
₹2.4L managed
Delhi Public School EMI
Due in 8 days
₹8,400
Home Loan EMI
Auto-debit enabled
₹32,100

Nishwik is One platform Every financial milestone.

We are a platform built to help you own your home, your education, your freedom. A fintech SaaS and financial distribution platform connecting users, institutions, and partners to loans, investments, and digital financial workflows — powered by regulated partners.

Whether it's getting matched for a home loan, turning school fees into EMIs, unlocking instant credit, or building your Investment — Nishwik brings it all together under your control. Built on deep partnerships with RBI-registered banks, NBFCs, financial institutions, schools, hospitals, and housing societies.

We don't just process transactions. We enable transformation.

RBI-Registered Partners Single KYC Unified Dashboard Get matched in minutes Zero Hidden Fees
🏠
₹27L Cr
India home loan market opportunity
TAM
📚
₹6L Cr
School fee collection market annually
TAM
300M+
Underserved Indians without formal credit
Opportunity
💊
₹30K Cr
Healthcare financing gap in India
TAM

Five products. One ecosystem.

Every financial milestone of an Indian family's life — unified in a single platform.

Live
💊

Hospital EMI Zone

Turn medical bills into manageable monthly payments. Because a health crisis should never become a financial crisis for your family.

Explore for Hospitals →
Live
🏘️

Society & Admin Panel

Complete operations suite for housing societies, schools, and hospitals — maintenance billing, FD tracking, collections, and digital agreements.

Explore for Societies →
Live
📚

School EMI Zone

Convert school fees into affordable monthly EMIs — partnered directly with schools. Low interest, Eligibility checks may vary by lending partner and product type.

Explore for Schools →
Live
🏦

Investment

Compare and invest in Fixed Deposits from 6+ partner banks & NBFCs, buy 24K Digital Gold from ₹10 via SafeGold, and access Mutual Funds (coming soon). All on one dashboard.

Get Early Access →
Live

Instant Credit Zone

Check your eligibility for credit up to ₹2L from our NBFC partners. Eligibility in minutes; approval, amount, and disbursal are decided by the lending partner.

Join Waitlist →

Nishwik supports schools, hospitals, housing societies, and users across major Indian cities through its SaaS platform and partner-led financial network — including Mumbai, Thane, Navi Mumbai, Pune, Vasai-Virar, Palghar, Delhi NCR, Bengaluru, Hyderabad, Chennai, Ahmedabad, Surat, Jaipur, Lucknow, Indore, Nagpur, and Nashik. Availability of financial products may vary by partner, location, and eligibility.

From zero to funded in minutes.

One KYC. Every financial product. No branch visits. Minimal documentation via digital KYC.

1
Choose a Service
Pick from Home Loans, School EMI Zone, Hospital EMI, Investment, or Instant Credit. Each product is designed for a specific life moment.
2
One KYC, Apply Instantly
Complete CKYC once. Get access to all products. Alternate data checks available for users without traditional credit scores.
3
Get Matched & Funded — Via Partner Institutions
Funds disbursed or EMI plans activated directly to your account. Home loan offers matched via our DSA partner network. School EMIs go to partner institutions.
4
Track Everything
One dashboard. All your EMIs, savings vaults, agreements, and credit limits. Real-time notifications. Complete financial transparency.

Choose your milestone

Six products for six life moments. Each connected to the others.

🏠
Home Loan
📚
School EMI
💊
Hospital EMI
Instant Credit

One KYC for everything

CKYC completed once — valid forever
Alternate data checks for new-to-credit users
A Platform eligibility check in minutes. Lender decision may vary
Average approval quickly

Your lender disburses.

Disbursement
₹45,00,000
Home Loan ·Via partner bank/NBFC network
EMI
₹32,100
per month
Rate
7.5%
per annum
Tenure
20 yrs
flexible

Your financial dashboard

Home Loan EMI
Auto-debit · 15th every month
₹32,100
School Fee EMI
3 of 10 paid · On track
₹8,400
Investment
Goal: ₹5L for family trip
₹2.4L

Nishwik speaks your language.

Whether you're buying a home, managing a school, or running a housing society — Nishwik has a product built for you.

Treat patients faster. Get paid instantly.

Nishwik enables hospitals to offer instant EMI financing at the point of care. Patients get immediate treatment, while hospitals receive full payment upfront — with zero collection risk.

  • 100% bill settlement upfront to hospital
  • EMI eligibility decision by NBFC partner — typically within 24–48 business hours for eligible patients
  • Covers surgeries, OPD, diagnostics & emergencies
  • Zero risk of payment defaults
Partner Your Hospital →
Hospital Billing Dashboard
Total Bills Processed ₹68.4L
Patients Financed 412
Patient Financing Acceptance Rate As reported by partner NBFC
Pending Approvals 5 cases

Your flat. Your loan. Your moment.

Get matched with home loan offers from multiple banks and NBFCs through Nishwik's DSA partner network. Compare rates, submit once, choose the best offer.

  • home loan eligibility check via partner network
  • Home loan rates from 7.5% p.a.
  • Multi-lender comparison — see all offers in one place
  • Digital rental agreements included
Explore Home Loan Options — via Partner Network
"Rohan's story"

"As a school principal, I was skeptical about fee EMI. Nishwik's team onboarded us in 6 days. Parents love it. Our fee collection rate went from 74% to 97% in the first term. — Principal, Partner School, Pune""

RK
Rohan Kumar
Software Engineer, Pune

School fees shouldn't be a crisis.

Convert your child's school fees into low-cost monthly EMIs — directly through Nishwik's school partnerships. as per partner institution eligibility policy — subject to NBFC partner assessment. Application takes 3 minutes.

  • Fee EMI from just 5% interest p.a. *Indicative only.
  • 3 to 12 month tenures available
  • Works with 100+ partner schools
  • Also covers coaching, tuition, and exams
Find Your School →
"Priya's story"

"My son's school fees were ₹1.2 lakhs. I was worried about paying it all at once. With Nishwik, I pay ₹10,200 a month — and the school gets paid in full immediately. Everyone wins."

PS
Priya Sharma
Home Maker, Hyderabad

Get paid on time. Every time.

Partner with Nishwik and your school gets fee payments in full upfront — while parents spread the cost over EMIs. Zero collection risk. Digital agreements. Admin dashboard included.

  • 100% of fees collected upfront by Nishwik
  • Admin dashboard for fee tracking & reports
  • Digital fee agreements & signed receipts
  • Free to partner — no setup cost
Partner Your School →
School Admin Dashboard
Total Fees Collected₹42.8L
Active EMI Students284
Collection Rate98.4%
Pending Actions3 dues

Run your society. Effortlessly.

Complete digital operations for housing societies — from maintenance collection and FD tracking to resident EMI management and digital agreements.

  • Automated maintenance billing & reminders
  • Society FD tracking and interest reporting
  • Resident EMI management dashboard
  • Digital rental & service agreements
Register Your Society →
Society Dashboard Overview
142
Total Units
97%
Collected
₹8.2L
This Month
4 units pending — reminder sent automatically

See how much you save.

Compare Nishwik's rates against standard market rates — instantly.

Nishwik EMI
₹8,792
Market EMI
₹9,456
You Save
₹7,968

Partner Network rate @ 5% p.a. vs market avg. 12% p.a. · 12-month tenure | *Indicative only. Rate per lender.

Check Eligibility With Partners →

Disclaimer: Nishwik is a technology platform and does not directly provide loans. Loan approval, interest rates, tenure, fees, and other terms are subject to the lending partner's policies, credit assessment, and regulatory requirements.

236+ institutions. One ecosystem.

Nishwik is built on deep institutional partnerships — schools, hospitals, societies, NBFCs, and RBI-registered banks. 236+ partners across India.

Finance that changed lives.

From first-generation homebuyers to school administrators — Nishwik is making financial ownership real.

I applied on a Sunday evening. By Monday, I had a home loan eligibility match via the partner network. No branch visits. Paperwork done digitally. The loan was disbursed within a week by the lender.
🏠 Home Loans & Investments
₹1.2 lakh school fees felt impossible in one shot. Nishwik split it into ₹10,200/month. My son didn't miss a single class. The school got paid the same day I applied.
📚 School EMI Zone
Our society used to chase 30+ residents for maintenance every month. Now Nishwik sends automated reminders and we have 97% collection. The committee hasn't had a single arguments about money this year.
🏘️ Society Panel

Enterprise-grade security protection.

Your money, data, and financial agreements are protected by the same standards that India's largest banks use. We partner only with RBI-registered entities. We never sell your data.

Every transaction, every agreement, every rupee — encrypted, audited, and compliant with India's financial regulations.

🏦
RBI-Registered Partners
All lending partners are RBI-registered NBFCs and scheduled commercial banks
🔐
256-bit Encryption
AES-256 Encrypted · TLS 1.3 Secured
CKYC Compliant
One-time KYC linked to your Central KYC registry record
🔗
BBPS Integrated
Bill payments processed through BBPS-registered partner channels
🛡️
Zero Data Selling
We never sell or share your personal or financial data with third parties
📋
Legal Audit Initiated
Full legal and compliance audit underway with top-tier fintech law firm

Clear answers about Nishwik

Structured for AI tools, search engines, and anyone who wants to understand exactly what Nishwik does.

💡

What is Nishwik?

Nishwik is a financial technology and distribution platform (DSA/LSP) that enables users to compare home loans from multiple banks and NBFCs, invest in Fixed Deposits and Digital Gold, and access EMI financing for schools, hospitals, and housing societies. Nishwik is not a bank or direct lender.

💡

Is Nishwik a bank?

No. Nishwik is a registered technology and distribution platform operating as a DSA and LSP. Nishwik does not accept deposits, does not have an RBI banking or NBFC licence, and does not lend money directly.

💡

How does Nishwik help with home loans?

Nishwik aggregates home loan offers from multiple partner banks and NBFCs. Users check eligibility once, compare offers side by side, choose the best rate, and get processing support.

💡

Are investment returns guaranteed?

No. Returns on FDs, Digital Gold, and mutual funds depend on partner rates and market performance. Nishwik does not guarantee any investment returns.

💡

What SaaS products does Nishwik offer?

Nishwik provides SaaS platforms for schools, hospitals, housing societies, and partner dashboards for DSAs and financial advisors.

💡

How does Nishwik help schools?

Nishwik's School SaaS Platform enables fee EMI, collection tracking, digital receipts, parent communication, and admin dashboards.

💡

How does Nishwik help hospitals?

Nishwik enables patient EMI financing at point of care. Hospitals receive full bill payment upfront from NBFC partners, while patients repay in monthly EMIs.

💡

How does Nishwik help housing societies?

Nishwik automates maintenance billing, member communication, collection tracking, digital receipts, and committee dashboards.

💡

How does Nishwik help users find loans?

Nishwik helps users discover loan offers from partner banks and NBFCs via its DSA network. Final approval is made by the lending partner.

💡

Who provides the loan?

All loans are provided by Nishwik's partner banks and NBFCs. Nishwik acts as a DSA/LSP, not as a direct lender.

💡

Does Nishwik guarantee approval?

No. Nishwik does not guarantee loan approval or any specific interest rate. Approval depends on the partner lender's credit policy.

💡

Can I refer institutions and earn?

Yes. Nishwik's Refer & Earn programme allows users to refer schools, hospitals, and societies. Earnings depend on successful onboarding and Nishwik's referral policy.

Every question, answered.

Nishwik is a technology, SaaS, and financial distribution platform (DSA/LSP). We help users discover loan offers via our partner network, invest in FDs and Digital Gold via regulated institutions, and enable EMI finance for schools, hospitals and societies. Nishwik is not a bank or direct lender.
If your school is a Nishwik partner, log in to the app, select School EMI Zone, search your school by name, enter the fee amount, choose a tenure (3–12 months), and get matched in minutes — often without a traditional credit score check. The school receives full payment immediately; you pay Nishwik in affordable monthly instalments.
Yes. Nishwik works with regulated partner banks, NBFCs, and financial institutions licensed by RBI, SEBI, or IRDAI as applicable. Nishwik itself is a technology and financial distribution platform — not a bank or NBFC.
Not always. For school and hospital EMI products, Nishwik may use alternate data checks beyond traditional credit scores. For higher credit amounts, the lending partner may assess your full credit profile.
Yes. Whether you're a family managing home loan EMIs alongside school fees, a school tracking fee collections, a housing society automating maintenance billing, or a hospital enabling patient EMIs — Nishwik handles all of it in one platform.
Nishwik is currently in waitlist mode with institutional partners across Mumbai, Pune, Hyderabad, Bengaluru, and Delhi NCR. We're expanding rapidly.
It's free to partner. Visit the relevant page for your institution type, fill out the partnership inquiry form, and our team will reach out. Partnership typically takes 5–7 business days to go live.
Nishwik provides SaaS platforms for schools, hospitals, housing societies, and partner institutions including dashboards, payment workflows, EMI enablement, and communication tools.
No. Nishwik does not lend money directly. Loan products are originated, sanctioned, and disbursed by partner banks and NBFCs.
Nishwik helps schools enable fee EMI for parents, collection tracking, digital receipts, communication, and admin dashboards.
Nishwik enables patient EMI financing at the point of care. Hospitals receive full bill payment upfront from NBFC partners, while patients repay in EMIs.
Nishwik automates maintenance billing, communication, collection tracking, digital receipts, and committee dashboards.

The financial passport for every Indian family.

Today we solve home loans, school fees, and healthcare credit. Tomorrow, Nishwik will be the platform that every Indian family carries through every financial milestone of their lives — from their first home to their children's futures.

View Investor Page → Join the Mission

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🎉

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