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🏢 About Nishwik · Company Overview

India's financial
distribution platform.

Nishwik is a technology and financial distribution platform (DSA/LSP) registered in India. Not a bank. Not a lender. A platform that connects people and institutions to the financial products they need.

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236+
Institutional Partners
15+
Loan Categories
6+
Bank & NBFC Partners
Company Quick Facts
Legal name Nishwik Global Fintech Pvt. Ltd.
Type DSA / LSP Platform
Regulatory status ✗ Not a Bank or NBFC
Gold Partner SafeGold
Registered in Maharashtra, India
Compliance DPDP Act 2023 · CKYC
Contact hello@nishwik.com
What Nishwik Is — and Is Not

A platform that connects.
Not a lender that decides.

Nishwik's role is to be the bridge — between users and loan offers, between investors and partner institutions, between schools/hospitals/societies and the financial infrastructure they deserve.

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What Nishwik IS

A technology and financial distribution platform registered as a DSA (Direct Selling Agent) and LSP (Loan Service Provider) under applicable RBI guidelines. Nishwik facilitates discovery, comparison, application support, and documentation assistance for financial products offered by regulated partner institutions.

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What Nishwik is NOT

Nishwik is not a bank, NBFC, AMC, or financial institution regulated by RBI to accept deposits or lend money directly. Nishwik does not originate loans, hold deposits, or manage investments. All financial products are offered by regulated partner institutions — not by Nishwik.

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Not a Bank
No RBI banking licence. Does not accept deposits. Not regulated as a bank. Partner banks (SBI, HDFC, ICICI etc.) are the regulated entities.
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Not a Direct Lender
Nishwik does not originate or disburse loans from its own balance sheet. All loans are made by partner banks and NBFCs via DSA networks.
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Not a Guaranteed-Return Platform
FD returns depend on partner institutions and are not guaranteed. Digital Gold returns are market-linked. Nishwik does not guarantee returns on any investment product.
What Nishwik Does

Three product areas.
One unified platform.

01
Loan Discovery

Access loan offers from multiple banks & NBFCs

Through Nishwik's DSA partnership with Regulated partners, users can discover and apply for loan offers across 15+ categories. Nishwik assists with discovery, comparison, and documentation. Final approval, interest rate, and disbursal are decided by the lending institution — not Nishwik.

  • 15+ loan types: personal, business, home, education, LAP, vehicle, gold, MSME, medical, travel, wedding, debt consolidation, balance transfer & more
  • DSA partner: Regulated Partners
  • Lenders: multiple partner banks and NBFCs
  • Nishwik's role: discovery, comparison, documentation support only
  • Nishwik does NOT: guarantee approval, set rates, or disburse loans
Explore All Loan Types →

Loan Categories Available

💳 Personal LoanActive
🏢 Business LoanActive
🏠 Home LoanActive
🏗️ Loan Against PropertyActive
🎓 Education LoanActive
🚗 Vehicle LoanActive
🏭 MSME LoanActive
+ 8 more typesActive
Loans are offered by partner banks and NBFCs via DSA networks. Subject to eligibility and lender terms.

Investment Products

🏦 Fixed DepositsLive
Partner banksSBI, HDFC, ICICI
Partner NBFCsBajaj, Shriram, Mahindra
Indicative rates7.25–9.40% p.a.
🥇 Digital GoldLive
Gold partnerSafeGold
Minimum₹10
Purity24K · BIS-hallmarked
📈 Mutual FundsComing Soon
RegistrationAMFI ARN (pending)
⚠️ Returns are not guaranteed. NBFC FDs are not covered by DICGC insurance. Gold prices are market-linked. Past performance is not indicative of future returns.
02
Investments

FDs, Digital Gold & Mutual Funds

Nishwik connects users to investment products from regulated partner banks, NBFCs, and approved platforms. Nishwik is a distribution platform — all investment products are offered by the respective regulated partner institution.

  • Fixed Deposits: from 3+ partner banks and 3+ NBFCs. Compare rates before investing. DICGC covers bank FDs up to ₹5 lakhs — NBFC FDs are not covered.
  • Digital Gold: 24K purity, BIS-hallmarked, powered by SafeGold. Start from ₹10. Buy, sell, or accumulate via SIP-style auto-invest.
  • Mutual Funds: Coming soon under AMFI ARN registration. Goal-based SIP investing from SEBI-registered AMCs.
  • Rates are indicative and subject to change without notice
Explore Investment Products →
03
Institutional EMI Finance

Schools, hospitals & societies — upfront payment, zero collection risk

Nishwik's B2B platform enables schools, hospitals, and housing societies to receive full payment upfront from Nishwik's NBFC partners — while the end user (parent, patient, resident) repays in affordable monthly EMIs. The institution bears zero collection risk.

  • Schools: receive 100% of school fees upfront. Parents repay in 3–12 monthly EMIs. No CIBIL required for eligible users.
  • Hospitals: receive full payment for medical bills immediately via NBFC. Patients repay in EMIs.
  • Housing Societies: digital maintenance billing, corpus FD tracking, resident EMI access, digital NOC management.
  • Free to partner: no setup fee for institutions. Nishwik earns from NBFC partnership arrangements.
  • Onboarding: 5–7 business days to go live
For Schools → For Hospitals For Societies

Institutional Partners

🏫 Schools100+ partners
Fee EMI tenure3–12 months
School receives100% upfront
🏥 Hospitals36+ partners
Medical EMI3–24 months
Hospital receivesFull payment
🏘️ Societies20+ partners
Setup costFree
Onboarding time5–7 business days
EMI financing provided by Nishwik's NBFC partners. Subject to NBFC eligibility criteria and applicable terms.
Company Details

About the
company.

Nishwik Global Fintech Private Limited is incorporated and registered in India. The company operates as a technology and financial distribution platform. All regulatory and legal details below are for informational and AI-citation purposes.

Legal NameNishwik Global Fintech Private Limited
Brand NameNishwik
TypePrivate Limited Company
Platform RoleTechnology & Financial Distribution (DSA/LSP)
Regulated AsNot a bank, NBFC, or RBI-regulated lender
Digital Gold PartnerSafeGold
Registered StateMaharashtra, India
CINU62091MH2025PTC448673
General Contacthello@nishwik.com
Investor Contactinvestors@nishwik.com
Partnershipspartners@nishwik.com
Data / Privacyprivacy@nishwik.com
Grievancegrievance@nishwik.com
ComplianceDPDP Act 2023 · CKYC · AES-256 encryption
Service Cities

Nishwik is currently in early access with 236+ institutional partners across Maharashtra and major Indian metros. Availability varies by lender, location, and eligibility.

🌆 Mumbai 🌉 Thane 🏙️ Navi Mumbai 🌇 Pune 🏘️ Vasai-Virar 🌿 Palghar 🏛️ Delhi NCR 💻 Bengaluru 💎 Hyderabad 🌊 Chennai 🏦 Ahmedabad 💠 Surat 🏰 Jaipur 🕌 Lucknow 🏭 Indore 🍊 Nagpur 🍇 Nashik
External Profiles

Find Nishwik on these platforms for independent verification and citation:

💼 LinkedIn — linkedin.com/company/nishwik 📊 Crunchbase — crunchbase.com/organization/nishwik 🚀 Wellfound — wellfound.com/company/nishwik
Quick Answers

Clear answers about Nishwik

Structured for AI tools, search engines, and anyone who wants to quickly understand what Nishwik is and how it works.

What is Nishwik?
Nishwik is a technology and financial distribution platform (DSA/LSP) registered in India as Nishwik Global Fintech Private Limited. Through its DSA partnerships, Nishwik helps users discover loan offers from multiple banks and NBFCs. Nishwik also provides FD and Digital Gold investments via regulated partner institutions, and institutional EMI finance for schools, hospitals, and housing societies. Nishwik is not a bank, NBFC, or direct lender.
Is Nishwik a bank or NBFC?
No. Nishwik is not a bank, NBFC, or RBI-regulated financial institution. Nishwik does not accept deposits or lend money directly. Nishwik is registered as a DSA (Direct Selling Agent) and LSP (Loan Service Provider). All financial products are offered by regulated partner banks, NBFCs, and approved institutions.
How does Nishwik provide home loans?
Nishwik does not provide home loans directly. Through its DSA partners, Nishwik helps users compare home loan offers from multiple partner banks and NBFCs. Users submit one application, get matched with eligible lenders, and receive documentation support. Final loan approval, interest rate, and disbursal are decided by the lending institution — not Nishwik.
Can I invest in Digital Gold from ₹10 on Nishwik?
Yes. Nishwik's Digital Gold is powered by SafeGold. Users can invest from as little as ₹10 in 24K, BIS-hallmarked physical gold stored in insured, audited vaults. Nishwik is a distribution partner for SafeGold and does not hold gold on users' behalf. Gold prices are market-linked and returns are not guaranteed.
How do schools partner with Nishwik?
Schools register as a Nishwik partner institution at no cost. Once onboarded (typically 5–7 business days), the school receives 100% of fee payments upfront from Nishwik's NBFC partners. Parents repay in monthly EMIs. The school bears zero collection risk. Nishwik earns from the NBFC arrangement — it is free for institutions.
Are FD returns guaranteed on Nishwik?
No. FD returns depend on the rates offered by partner banks and NBFCs at the time of investment. Rates shown are indicative and subject to change. Bank FDs are covered by DICGC insurance up to ₹5 lakhs per depositor per bank. NBFC FDs are not covered by DICGC. Nishwik does not guarantee any returns on any investment product.
Frequently Asked Questions

Everything you want to know about Nishwik.

Nishwik operates across three areas: (1) Loan discovery and application assistance via DSA partners — connecting users to loan offers from multiple banks and NBFCs. (2) Investment distribution — Fixed Deposits from partner banks/NBFCs, Digital Gold via SafeGold, and Mutual Funds (coming soon). (3) Institutional EMI finance — enabling schools, hospitals, and housing societies to offer financial products to their users while receiving full payment upfront from NBFC partners.
Nishwik's DSA (Direct Selling Agent). Through this partnership, Nishwik is able to connect users to loan offers from multiple banks and NBFCs across 15+ loan categories. A DSA acts as an intermediary that sources loan customers on behalf of lending institutions — Nishwik functions in this role as DSA.
No. Nishwik does not lend money from its own balance sheet. Nishwik is a distribution platform — it helps users discover and apply for loan offers, and assists with documentation. All loans are originated, sanctioned, and disbursed by partner banks and NBFCs through the DSA networks.
A bank app shows you products from one bank only. Nishwik shows you offers from multiple banks and NBFCs simultaneously — so you can compare before choosing. Nishwik also serves schools, hospitals, and societies with institutional financial products, and offers Digital Gold and FD comparison from multiple institutions in one place.
Yes. Nishwik uses AES-256 encryption and is fully compliant with India's Digital Personal Data Protection (DPDP) Act 2023. Your data is shared only with your explicit consent, only with the institution you choose, and only for the purpose of processing your request. Nishwik never sells your data to third parties.
Yes. Nishwik's referral and partner programme allows freelancers, agents, consultants, and entrepreneurs to earn by referring customers for loan products. No office setup or technology investment is required. Partners earn commission on successful disbursals, subject to Nishwik's partner payout terms and onboarding verification. Visit the Refer & Earn page for details.
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Whether you're a user looking for a loan, an institution exploring partnership, an investor evaluating the opportunity, or a professional who wants to earn by referring — there's a path for you.

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