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Nishwik App
INDIA’S FIRST HYBRID

Finance, Property, Freedom
Together.

Get home loans, school EMIs, instant credit, and goal-based savings
— all in one seamless and powerful app experience.

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Real Estate + Loan

Buy flats with instant loan bundle

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School EMI Zone

Convert fees to low cost EMIs

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Hospital EMI Zone

Convert bills into low-cost EMIs

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Smart Vault

Save small to reach big goals

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Instant Credit

BNPL, personal loan in one tap

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Digital Agreements

Create and sign rent or fee contracts

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Scan & Pay Bills

Pay instantly via UPI or QR code

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Admin Dashboards

Monitor fees, rent, and collections

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Own Account No

Choose your own account number

WHO WE ARE

Nishwik is more than a bank.

We are a platform built to help you own your home, your education, your freedom.

We are India’s first hybrid ecosystem that merges real estate, education finance, credit, and savings into one seamless app. Whether it’s booking a flat, turning school fees into EMIs, unlocking instant credit, or building your Smart Vault — Nishwik brings it all together under your control.

With deep partnerships across builders, schools, hospitals, NBFCs, and banks — and a user-first approach — we are here to make finance more accessible, affordable, and truly useful for the next billion Indians.

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

WHAT WE DO

Nishwik is India’s first platform that lets users book homes, finance education, manage EMIs, unlock instant credit, and grow their savings — all within one simple app. Our core modules are:

Real Estate Zone

Book your flat and get instant home low cost loan approvals all in one place.

School EMI Zone

Convert school fees into monthly EMis- with low cost interest rates, partnered with schools

Credit Zone

Unlock up to 2L credit, personal loans, and BNPL-no paperwork required

Smart Vault

Auto-save spare change and reach your goals faster with goal-based saving

Society & Housing Panel

Give building admins control over rent, FDs, interest tracking, and resident EMI flows

School/Hospital Admin

Allow institutions to manage staff fees, school FDs, and offer EMI benefits to families

Digital Agreements

Create, sign, and store secure rental, EMI, or fee agreements instantly and legally.

Get started now!

Nishwik offers competitive financial solutions, flexible loan options, secure digital
services, and personalized support for individuals and businesses.

Nishwik

Benefits

Nishwik simplifies financial management with instant credit, EMI options for education, and smart savings tools, ensuring secure transactions and seamless ownership. It offers dashboards for societies, schools, and builders to streamline collections and reports efficiently

Loan Calculator

EMI Calculator

Loan Amount
₹
₹ 10 Thousand ₹ 5 Lakhs
Loan Duration
Months
1 12

Interest Rate@ 5.00 %

₹ 33,821.13

Total Interest: ₹ 2,926.77

Disclaimer and Terms & Conditions Applied Apply now

Interest Rate@ 6.50 %

₹ 33,968.12

Total Interest: ₹ 3,808.74

Loan Amount
₹
₹ 10 Thousand ₹ 10 Lakhs
Loan Duration
Months
1 24

Interest Rate@ 5.00 %

₹ 40,922.38

Total Interest: ₹ 9,223.84

Disclaimer and Terms & Conditions Applied Apply now

Interest Rate@ 6.50 %

₹ 41,201.32

Total Interest: ₹ 12,013.22

Loan Amount
₹
₹ 1 Lakh ₹ 20 Lakhs
Loan Duration
Months
1 60

Interest Rate@ 9.00 %

₹ 19,079.84

Total Interest: ₹ 86,874.23

Disclaimer and Terms & Conditions Applied Apply now

Interest Rate@ 10.50 %

₹ 19,501.47

Total Interest: ₹ 1,02,052.78

Loan Amount
₹
₹ 20 Lakhs ₹ 4 Crores
Loan Duration
Months
60 240

Interest Rate@ 7.50 %

₹ 59,350.88

Total Interest: ₹ 21,22,106.15

Disclaimer and Terms & Conditions Applied Apply now

Interest Rate@ 9.00 %

₹ 63,337.89

Total Interest: ₹ 26,00,546.43

Loan Amount
₹
₹ 50 Thousands ₹ 5 Lakhs
Loan Duration
Months
1 60

Interest Rate@ 9.00 %

₹ 6,359.95

Total Interest: ₹ 28,958.08

Disclaimer and Terms & Conditions Applied Apply now

Interest Rate@ 10.50 %

₹ 6,500.49

Total Interest: ₹ 34,017.59

Loan Amount
₹
₹ 50 Thousands ₹ 5 Lakhs
Loan Duration
Months
1 60

Interest Rate@ 9.00 %

₹ 6,359.95

Total Interest: ₹ 28,958.08

Disclaimer and Terms & Conditions Applied Apply now

Interest Rate@ 10.50 %

₹ 6,500.49

Total Interest: ₹ 34,017.59

HOW

How Nishwik Works?

From rent to real estate — we simplify finance. Choose a service, apply in minutes, and manage EMIs, savings, or agreements right from the app.

1
Choose Any Service

Pick Real Estate, School EMI, Hospital EMI, Vault or any credit options.

2
Apply Instantly

Less paperwork. Just KYC and click. Get instant approval.

3
Get Credit

Get funds disbursed, start EMI or lock in your savings.

4
Track Everything

Monitor EMI, Credit, Vaults and Agreements In-App.

FAQ

Frequently Asked Questions

Nishwik is India’s first hybrid platform that blends home buying, school EMIs, credit, and savings — all under one app. We offer pre-approved loans, smart savings, and less-paperwork agreements with full control and transparency.

Not always. We offer flexible EMI options based on your school or builder partnership, and even allow alternate data checks. If you repay on time, we help boost your credit score too.

Yes. Whether you’re buying a home, paying tuition, or splitting rent — Nishwik lets you manage, track, and pause all EMIs in one secure app.

Absolutely. Nishwik works with RBI-registered NBFCs and banks, follows CKYC and BBPS norms, and uses bank-grade encryption for all your data and transactions.

We use bank-level encryption, partner only with RBI-registered entities, and never sell your data. Your money, identity, and agreements are protected end-to-end.
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Nishwik offers secure, seamless, and fee-free payments for effortless global transactions.

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