Making borrowing simpler and more transparent for India
We built Rupiva Credit so that applying for a personal loan feels clear, quick and safe, from the first tap to the final repayment.
A Lending Service Provider, working with a regulated lender
Rupiva Credit is developed and operated by NIVANA FINTECH PRIVATE LIMITED, based in Thane, Maharashtra. As a Lending Service Provider (LSP), we provide the digital platform, loan application assistance and related technical and operational support.
Loan products shown on Rupiva Credit are offered by Allen's Housing & Finance Limited, a Non-Banking Financial Company registered with the Reserve Bank of India. Our partner is responsible for loan approval, credit decisions, loan terms and disbursement.
Meet our lending partnerBorrower
Applies through the Rupiva Credit app
Rupiva Credit · LSP
NIVANA FINTECH PRIVATE LIMITED
Lender · NBFC
Allen's Housing & Finance Limited
What guides every product decision
Transparency
Loan amounts, tenures, interest rates and fees are shown clearly before you apply.
Security
Personal data is protected with encryption, access controls and data minimisation.
Convenience
A fully online journey that replaces paperwork with a few simple steps on your phone.
Compliance
We work within applicable RBI digital lending requirements and Indian data protection laws.
Your information is used only for what it is needed for
Rupiva Credit collects and processes personal information as necessary for identity verification, loan applications and related services, and takes security measures to protect user data.
- Processing in line with the Digital Personal Data Protection Act, 2023
- Encrypted transmission and storage with role-based access
- No access to unrelated photos, contact lists or private content
- In-app account deletion and data access requests
Real help when you need it
Our support team assists with loan applications and account-related enquiries. If something goes wrong, our grievance redressal process makes sure your concern is heard and resolved.