Nira — review & key facts
Digital lending app (LSP) · loans issued by Marketplace — loans via named partner NBFCs/lenders: Northern Arc, Niyogin, KIFPL, Trillion Loans, Avanti Finance, PayU; app operated by Shuhari Tech Ventures Pvt Ltd
✓ Regulated entity identified✓ KFS available
Fact sheetevery field shows its verification state — no silent blanks
Public name
Nira
✓ Verified
Legal lender
Marketplace — loans via named partner NBFCs/lenders: Northern Arc, Niyogin, KIFPL, Trillion Loans, Avanti Finance, PayU; app operated by Shuhari Tech Ventures Pvt Ltd
✓ Verified
App ↔ entity relationship
NIRA's homepage states loans are 'approved and sanctioned by NIRA's NBFC/Bank partners registered with the RBI,' and its Partners page names 6 entities.
✓ Verified
RBI evidence
Homepage states loans approved by 'NBFC/Bank partners registered with the RBI'.
✓ Verified
Loan amount
Loans up to ₹1 lakh
✓ Verified
Tenure
Up to 12 months
✓ Verified
Interest & APR
"As low as 2% per month"
✓ Verified
Processing fee
—
— Not disclosed
Service fee
—
— Not disclosed
Late-payment fee
—
— Not disclosed
Prepayment / foreclosure
—
— Not disclosed
KFS
Key Fact Statement referenced with a linked 'Sample Key Fact Statement' document
✓ Verified
Eligibility & KYC
—
— Not disclosed
Disbursal route
Funds received in account within 24 hours of approval
✓ Verified
Repayment route
—
— Not disclosed
Grievance contact
Contact NIRA's Grievance Officer; if unresolved within 10 days, approach the relevant lending partner directly.
✓ Verified
VerifiedMarketplace — loans via named partner NBFCs/lenders: Northern Arc, Niyogin, KIFPL, Trillion Loans, Avanti Finance, PayU; app operated by Shuhari Tech Ventures Pvt LtdKFS: availableLast checked: 2026-08-21View source →
Editorial assessment
Nira is a digital lending app (LSP); loans are issued by Marketplace — loans via named partner NBFCs/lenders: Northern Arc, Niyogin, KIFPL, Trillion Loans, Avanti Finance, PayU; app operated by Shuhari Tech Ventures Pvt Ltd. Its official site publishes most of the core loan terms — compare the figures below against other lenders before applying. A grievance escalation contact is published on its official site.
Contact & registered office
Emailgrievance@nirafinance.com
Grievance & complaints
Contact NIRA's Grievance Officer; if unresolved within 10 days, approach the relevant lending partner directly.
Not resolved in 30 days? RBI Ombudsman route →Alternatives to compare
Airtel Finance
Marketplace — loans via named partner NBFCs: Bajaj Finance Limited, DMI Finance Private Limited, Poonawalla Fincorp Limited, L&T Finance Limited, Kisetsu Saison Finance (India) Private Limited (t/a Credit Saison India), Moneyview Pvt Ltd, EarlySalary Services Private Limited (t/a Fibe), and Airtel Money Limited
Personal Loan (Flexi Credit): marketed 'up to ₹1000000 Instant Loan' (site also references up to ₹9-10 lakh range) · 'Interest @ 12.75% p.a.' shown as a starting/from rate; actual rate varies by matched partner lender
Compare side by side →Branch
Branch International Financial Services Private Limited
Rates not yet published
Compare side by side →CASHe
Bhanix Finance and Investment Limited
₹15,000 to ₹3,00,000 · 3 to 18 months
Compare side by side →