Nivasa Capital

Expanding Access to Secured Credit

Nivasa Capital Pvt. Ltd. is a wholly owned subsidiary of OKA Housing Technologies Pvt. Ltd., established with a vision to expand access to affordable secured credit for middle- and lower-income families in non-urban areas.

Nivasa Capital focuses on Loans Against Property (LAP) and Home Loans, helping customers unlock the value of their homes and properties to meet housing, business, expansion and other long-term financial needs. With a focus on households with annual incomes of approximately ₹3–8 lakh and loan requirements typically ranging from ₹5–20 lakh, Nivasa Capital aims to serve customer segments that may remain underserved by traditional lenders due to varied income profiles or geographic and operational challenges.

Supported by technology, strong field outreach and robust underwriting and monitoring processes, Nivasa Capital seeks to make secured lending more accessible, efficient and affordable while contributing to greater financial inclusion in non-urban India.

What we stand for

Who's behind Nivasa Capital

The Founding Team

Samit Shetty

Founder & CEO

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Previously Vice President of Strategy & M&A at Navi Technologies and CEO of Navi Finserv, where he pioneered digital personal and housing loans. Earlier, as Founder & CEO of Chaitanya India Micro Finance, he led its growth from a startup through its acquisition by Navi Technologies. Prior roles include Olam International.

PGP, IIM Ahmedabad; BE Mechanical Engineering, Bangalore University.

Hitesh Saraf

Co-Founder & CRO

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Leads credit policy and the optimal lender allocation engine. Previously built and headed the credit risk vertical at Smartcoin and Zestmoney, building AI/ML-based risk engines from scratch, enabling end-to-end automated risk decisioning. 18 years across fintechs, MNC banks, and credit bureaus.

Integrated MSc Mathematics, IIT Kanpur.

How we lend, and how we work

We underwrite for real repayment capacity — including informal income that traditional lenders often overlook — while keeping the process doorstep-first, with a single verification visit, so no customer has to take repeated unpaid leave to get a home loan. Internally, that same principle of meeting people where they are shapes how our teams work: field-first, accountable, and close to the customer.

What sets us apart