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School Management Hospital Management Society Management Inventory Management Enterprise
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About Trust Center Nishwik Across India Contact
Home Loans Investment For Schools For Hospitals For Societies Investors Insights Partners Contact Join Waitlist → Refer & Earn
Partner institutions regulated by RBI/SEBI Encrypted HTTPS Connections KYC by Regulated Partners Bill Payments via BBPS Partner Channel Zero Data Selling Policy Growing Institutional Partner Network Early-Access Waitlist Open Partner institutions regulated by RBI/SEBI Encrypted HTTPS Connections KYC by Regulated Partners Bill Payments via BBPS Partner Channel Zero Data Selling Policy Growing Institutional Partner Network Early-Access Waitlist Open
Every milestone. One platform.

One platform for
institutional operations & finance.

Nishwik connects software, operations, payments, reconciliation, inventory and financial workflows for schools, hospitals, housing societies and other institutions across India. Loans, FDs and EMI facilities are provided by regulated partner banks/NBFCs, and digital gold by an approved partner platform, subject to eligibility, availability and partner terms.

15+
Loan Categories
3
Institution Segments
Open
Early-Access Waitlist
✓ Eligibility Checked via Partner Network
Savings Goal
₹2.4L
Good morning,
Rahul Kumar
N
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
School Fee EMI (sample)
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, checking credit eligibility, or building your Investment — Nishwik brings it all together under your control. Credit and investment products come from RBI- or SEBI-regulated partner institutions; Nishwik is the technology and distribution layer.

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

RBI-Registered Partners Single KYC Unified Dashboard Get matched in minutes Zero Hidden Fees
Home loans
Offers from partner banks and NBFCs
Segment
School fees
Fee collection and fee EMI for schools
Segment
New to credit
Guidance toward regulated lenders' products
Focus
💊
Hospital bills
Patient bill EMI via lending partners
Segment

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 partner banks & NBFCs, buy 24K Digital Gold from ₹10 via an approved partner platform, and access Mutual Funds (coming soon). All on one dashboard.

Get Early Access →
Live

Credit Eligibility Zone

Check your eligibility for credit from our NBFC partners. Approval, amount, APR, fees 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 — without branch visits.

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 Credit Eligibility. 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
Credit Check

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 partner-lender EMI financing at the point of care. If the lender approves, it pays the hospital the sanctioned amount and the patient repays the lender; collection risk on financed amounts sits with the regulated lender.

  • → 100% bill settlement upfront to hospital
  • → EMI eligibility decision by the NBFC partner — timing depends on the lender
  • → 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
  • → Rates, fees and tenure set by each lender and shown before you accept
  • → Multi-lender comparison — see all offers in one place
  • → Digital rental agreements included
Explore Home Loan Options — via Partner Network
Illustrative journey — sample scenario

A school onboards Nishwik, parents opt into fee EMI through the regulated lending partner, and the office tracks collections and reconciliation on one dashboard — instead of chasing payments across the term."

RK
How it works in practice
Illustrative scenario — not a customer testimonial

School fees shouldn't be a crisis.

Convert your child's school fees into 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 regulated NBFC partners — APR and fees shown in the lender's Key Fact Statement
  • → Tenure options set by the lending partner
  • → Available where your school is set up with Nishwik
  • → Also covers coaching, tuition, and exams
Find Your School →
Illustrative Scenario — not a customer testimonial

A parent facing ₹1.2 lakhs in annual school fees converts them into roughly ₹10,200 a month through the regulated lending partner, while the school receives the sanctioned amount per the approved arrangement. Names and amounts are illustrative.

PS
School fee EMI
Illustrative journey — sample scenario

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. Collection risk on financed amounts sits with the regulated lender. Digital agreements. Admin dashboard included.

  • → Eligible sanctioned amounts disbursed to the school by the regulated partner lender
  • → Admin dashboard for fee tracking & reports
  • → Digital fee agreements & signed receipts
  • → Request a custom proposal tailored to your institution
Partner Your School →
School Admin Dashboard — Sample (Illustrative Data)
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 · sample data
₹8.2L
This Month
4 units pending — reminder sent automatically

Estimate your EMI.

Enter the amount, tenure and the interest rate a lender offers you. The lender's APR and fees decide the real cost.

₹
Monthly EMI
₹8,792
Total Interest
₹9,456
Total Repayment
₹7,968

Illustrative estimate only — excludes fees. Your actual APR, fees and total cost are set by the lender and shown in its Key Fact Statement before you accept.

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.

A growing partner network. One ecosystem.

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

Finance that changed lives.

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

A borrower explores home-loan options through the partner network — digital paperwork, lender-decided eligibility and sanction, no branch visits. Illustrative journey.
Home Loans & Investments
A parent converts a large annual school fee into monthly instalments through the regulated lending partner, while the school receives the sanctioned amount upfront. Illustrative journey.
School EMI Zone
A society committee replaces manual follow-up with automated reminders and live collection tracking — reconciliation and AGM records handled on one dashboard. Illustrative journey.
Society Panel

Security and compliance, stated plainly.

Nishwik is a distribution and technology platform, not a lender. Credit and investment products come from RBI- or SEBI-regulated partner institutions. We never sell your personal data.

Connections to Nishwik are encrypted over HTTPS, and our Security page lists the controls we state publicly — and the certifications we do not claim.

🏦
RBI-Registered Partners
All lending partners are RBI-registered NBFCs and scheduled commercial banks
🔐
Encrypted Connections
Data you submit travels over HTTPS; details on our Security page
✅
KYC by Regulated Partners
KYC is completed by the regulated institution that offers your product, as required by its regulator
🔗
BBPS Bill Payments
Bill payments processed through BBPS-registered partner channels
🛡️
Zero Data Selling
We never sell your personal data; we share it with partners only to provide the service you request
📋
Not a Lender
Nishwik acts as a DSA/LSP; credit decisions, rates and terms are set by the regulated lender

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 via regulated institutions, buy Digital Gold via an approved partner platform, 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 offered by the lending partner, and submit your request. The NBFC partner assesses eligibility (including a credit check where it requires one). If approved, the lender pays the school and you repay the lender in monthly instalments under its loan agreement.
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. Credit assessment is decided by the regulated lending partner, not Nishwik. Depending on the lender and product, some lenders may consider alternative data alongside credit bureau records; for higher amounts the lender 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 early-access (waitlist) mode. You can submit an enquiry from anywhere in India; whether a partner institution or lender serves your location is confirmed when your request is assessed.
Visit the relevant page for your institution type and fill out the partnership inquiry form — our team will reach out with a proposal tailored to your institution. Commercial terms for institutional software are prepared separately per institution; any financial-partnership onboarding terms are governed by the specific programme agreement. 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

Be the first to know.

Join the waitlist for early access and launch updates.

🔐 We never sell your data. Unsubscribe anytime.

🎉

You're on the list!

Thank you for joining. We'll notify you as soon as Nishwik launches in your city. Keep an eye on your inbox — we'll be in touch within 24 hours.

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Weekly insights on institutional finance.

Loan trends, SaaS workflows, school & hospital finance — one email a week. No spam.

The institutional operating system.

Operations, payments, reconciliation, inventory, and embedded finance — one platform family for every institution Nishwik serves.

School Management →
Admissions, fees, attendance, exams, parent app, reconciliation.
Hospital Management →
Patients, OPD/IPD, billing, pharmacy inventory, reconciliation.
Society Management →
Maintenance billing, collections, complaints, FD tracking.
Inventory Management →
Batch & expiry (FEFO), reorder alerts, margin intelligence.
Explore all software →  ·  Find your solution →

Institutions in. Everything handled.

Schools, hospitals, and societies plug into one platform — operations, payments, reconciliation, inventory, finance, and analytics flow out the other side.

Schools Hospitals Societies Institutions Nishwik One Platform Operations Payments Reconciliation Inventory Finance* Analytics

*Financial products are provided by regulated partner banks/NBFCs, subject to eligibility and partner terms. Nishwik is not a bank or NBFC.

Available across India

From our Maharashtra home base to every Tier-1 state — software deploys nationwide through remote onboarding, with finance through regulated partners where available.