Nishwik is a registered DSA/LSP partner. Check eligibility, compare offers from SBI, HDFC, ICICI, Bajaj Housing Finance and more — all in one place. Full processing support end-to-end.
⚠️ Regulatory Disclosure: Nishwik is a technology and distribution platform (DSA/LSP). Home loans are offered by regulated banks and NBFCs subject to eligibility and lender terms. Nishwik does not lend money directly. Rates shown are indicative and subject to change.
10+
Partner Banks & NBFCs
8.50%
Starting Rate (indicative)
24hr
Avg. Approval Timeline
Live Indicative Rates — Partner Network
SBI Home Loan
Scheduled Bank · Up to 30 years
8.50%Lowest
Bajaj Housing Finance
NBFC Partner · Flexible tenure
8.55%
Aditya Birla HFC
NBFC Partner · High LTV
8.65%
HDFC Bank
Scheduled Bank
8.70%
ICICI Bank
Scheduled Bank
8.75%
⚠️ Rates are indicative and subject to change based on RBI policy, applicant credit profile, and lender terms. Final rates are set by partner institutions — not Nishwik.
Nishwik handles the entire process between comparing lenders and receiving your funds — you just sign.
01
Check Eligibility
Soft check — no CIBIL impact. Enter income, property value, preferred tenure. See which lenders you qualify with instantly.
02
Compare All Offers
Rate, processing fee, prepayment terms from multiple lenders shown simultaneously. Make an informed choice.
03
Apply with Support
Nishwik's team collects documents, coordinates with the chosen lender, and follows up through sanction.
04
Track Disbursal
Real-time status on your Nishwik dashboard. Milestone alerts from sanction letter to final fund transfer.
Eligibility Check
How much can you borrow?
Soft check only — no effect on your CIBIL score.
🔒 Soft check only · No CIBIL impact · Indicative estimate
✅ Great news — you appear eligible!
Indicative estimate based on your inputs. An advisor will contact you with personalised offers within 2 business hours.
Est. Loan Amount
₹—
Starting Rate
8.50%
Est. EMI
₹—
⚠️ Indicative only. Actual loan amount, rate, and EMI are determined by the partner lender based on your complete credit profile, property valuation, and applicable policies. Nishwik does not guarantee loan approval.
For planning only. Actual EMI depends on lender terms, disbursement date, and applicable charges.
Home Loan FAQ
Your questions, answered.
No. Nishwik is a DSA (Direct Selling Agent) and LSP (Loan Service Provider) — a technology and distribution platform. All home loans are originated, sanctioned, and disbursed by our partner banks and NBFCs who are RBI-regulated entities. Nishwik facilitates comparison, application, and processing — not lending.
No. The initial eligibility check on Nishwik is a soft inquiry — it does not appear on your credit report or affect your CIBIL score. A hard credit inquiry is only performed by the partner lender when you formally complete a full loan application.
Standard documents: PAN card, Aadhaar, last 3 months salary slips (salaried) or last 2 years ITR (self-employed), 6 months bank statements, and property documents (sale agreement, title deed, NOC). Exact requirements vary by lender — Nishwik's team provides a precise checklist based on your chosen lender.
Per RBI guidelines: up to 90% LTV for loans below ₹30 lakhs, up to 80% for ₹30–75 lakhs, and up to 75% for above ₹75 lakhs. Individual lenders may have lower caps. Nishwik's advisor will clarify the applicable LTV for your specific case and chosen lender.
Indicative timelines: soft eligibility check — instant; document submission with Nishwik team support — 1–2 days; lender sanction — 7–14 business days; disbursal — 3–7 days post-sanction. Total from application: 15–25 business days. Complex properties or missing documents may extend this.
No. Rates shown on Nishwik are indicative based on current partner lender rates. The final interest rate is determined by the partner bank or NBFC based on your credit profile, property, and their current rate policy. Nishwik does not guarantee any specific rate. RBI repo rate changes also affect floating rate loans.
Apply Now
Start your home loan journey.
A Nishwik advisor will contact you within 2 business hours with personalised offers from our partner network.
✓Soft eligibility check — no CIBIL impact
✓Advisor contacts within 2 business hours
✓Offers from 10+ partner banks & NBFCs
✓End-to-end document & processing support
✓Zero fee to you from Nishwik
Nishwik is a DSA/LSP distribution platform. Loan approval, rate, and disbursal are determined solely by the partner bank or NBFC. By submitting this form, you consent to Nishwik sharing your details with partner lenders for eligibility assessment.
🏠
Application Received!
A Nishwik advisor will call you within 2 business hours with personalised home loan offers from our partner network.