Personal, business, gold and property loans for households and small enterprises across India — transparently priced, decided in 24 hours, and explained in plain language before you sign anything.
Whether you are covering a hospital bill, restocking a shop, unlocking idle gold or refinancing a property, the rate you are quoted is the rate you pay.
Collateral-free funding for a wedding, medical bill, tuition fee or a month that simply ran long. Sanctioned on your income, not on what you pledge.
Working capital and growth funding for shops, traders, manufacturers and service businesses — sized on your cash flows, not on a rigid template.
Turn idle household gold into working money in under an hour — valued transparently in front of you, insured, and vaulted until you redeem it.
Release the value locked in a house, shop or plot you already own — long tenures and our lowest rates, for expansion, consolidation or a large one-off need.
Most credit models are tuned for salaried customers in metro cities with thick bureau files. A very large part of India does not look like that — and is no less creditworthy for it.
A Non-Banking Financial Company registered with the Reserve Bank of India, operating under a board-approved Fair Practices Code that you can read on this site.
Digital KYC, bureau pull and bank-statement analysis run in parallel, so a complete file gets a real answer the next working day — not a holding response.
Every rupee of interest, processing fee, stamp duty and bounce charge is written into the sanction letter before you sign. Nothing is added afterwards.
Thin credit files, cash-heavy trades and first-time borrowers get a human review rather than an automatic decline.
Bank-grade encryption in transit and at rest. We never sell customer data, and consent for every bureau pull is recorded and auditable.
A digital front end backed by people you can actually walk in and meet across 11 states — because credit still runs on trust.
No branch visit is mandatory for unsecured loans. If you would rather do it in person, all 64 branches run the same process at the same price.
Fill one short form online, at a branch, or over a call. You need your PAN, Aadhaar and basic income details — nothing more to start.
Complete video KYC and share your bank statement securely. Our credit team assesses eligibility and comes back with an offer.
Read the sanction letter and the Key Fact Statement, ask us anything, then accept with an OTP. There is no obligation up to this point.
Sign the agreement, set up the NACH mandate, and the money is transferred by NEFT or IMPS — usually the same day.
Move the sliders to see exactly what a loan costs you over its life — principal, interest and total outgo, with nothing rounded away.
Indicative only. The figures assume a fixed reducing-balance rate and equal monthly instalments, and exclude processing fees, GST, stamp duty and insurance. Your actual EMI is confirmed in the Key Fact Statement issued with your sanction letter.
“I needed stock money before Diwali and my bank wanted three years of audited books I simply do not keep. Nawkar looked at my UPI settlements and my shop, and sanctioned in two days. The EMI was exactly what the sanction letter said — not a rupee more.”
“My father's surgery came up with no warning. I applied at 11 in the night, did the video KYC the next morning, and the money was in my account by evening. What I remember most is that somebody actually picked up the phone when I called.”
“I have taken three gold loans here over four years. They weigh everything in front of me, seal it, and hand it back sealed. My mother-in-law's chain came back exactly as it went in. That is why I keep coming back.”
Check your outstanding balance, download interest certificates, pay an EMI early, or raise a service request — without calling anyone.
App store listings coming soon — leave your number and we will send the link at launch.
No. Nawkar Finance Limited is a Non-Banking Financial Company (NBFC) holding a Certificate of Registration from the Reserve Bank of India. We lend, but we do not accept demand deposits from the public, and we are not covered by deposit insurance.
Your total cost is the interest plus a one-time processing fee, plus applicable GST and stamp duty. Every one of these is itemised in the Key Fact Statement and the sanction letter you receive before you sign anything. Our published rate bands and the full schedule of charges are on the interest rate policy page.
PAN and Aadhaar to establish identity, and something that evidences income — salary slips for salaried applicants, or ITR and bank statements for the self-employed. Gold loans need only KYC and the ornaments.
Yes, it is worth a conversation. A score below 680 makes an unsecured loan harder, but a gold loan or a loan against property is secured and is assessed differently. We will tell you honestly what is possible rather than leaving you guessing.
Write to our Grievance Redressal Officer using the details on the grievance redressal page. If the matter is not resolved to your satisfaction within 30 days, you may escalate to the RBI Ombudsman — the full escalation ladder, including addresses, is published on that page.
Nothing. No fee is ever collected to 'process', 'unlock' or 'approve' an application. Charges are deducted from the disbursal amount or billed after sanction, never collected up front. If anyone asks you to pay in advance, it is not us — please report it immediately.
Check your eligibility in five minutes. It is a soft enquiry — your credit score is not affected until you formally accept an offer.