Knowledge Center

Frequently Asked Questions

Everything you need to know about our lending procedures, terms, repayment options, and security standards.

📄 General Lending & Application

What is NIRVAH and how does the lending process work? +

NIRVAH is a full-stack digital lending facilitation platform. We partner with RBI-registered NBFCs and scheduled banks to offer instant personal and business loans. The application process is 100% digital: you check your eligibility, upload basic KYC documents, complete digital mandate setup, and receive funds directly into your bank account.

How long does it take for loan sanction and disbursal? +

In-principle eligibility is generated in under 3 minutes. Once all mandatory KYC and income documents are verified, the underwriting decision is finalized within 4 to 24 business hours, after which disbursal occurs via IMPS/NEFT.

✍ Personal Loans

Do I need to pledge collateral or provide a guarantor? +

No. Nirvah Personal Loans are entirely unsecured. You do not need to pledge any gold, property, or securities, nor do you require a third-party guarantor.

Can I prepay or foreclose my personal loan early? +

Yes. After 6 successful EMI payments, you can foreclose the outstanding balance or make part-prepayments with 0% foreclosure fees.

💼 Business & MSME Loans

What is the minimum annual turnover required for business loans? +

Businesses require a minimum annual turnover of ₹ 20,00,000 as reflected in GST returns and operative bank statements, with at least 2 years of active business operations.

Still have unresolved questions?

Our loan advisory team is happy to guide you through terms, documentation, and tailored options.

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