Modern lending, built on old-fashioned trust
We're an RBI-registered NBFC on a mission to make credit fair, fast and transparent for every Indian.
Founded to fix a broken lending process
Esskay Niwas Pvt. Ltd. was founded in 2011 with a simple observation: getting a loan in India took too long, involved too much paperwork, and lacked transparency. Since then, we've built a digital-first lending platform that has served hundreds of thousands of customers across personal, business, gold and vehicle loans.
Today we operate as a fully compliant Non-Banking Financial Company, regulated by the Reserve Bank of India, with a growing branch network and a technology core that lets us underwrite responsibly at scale.
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What guides every decision we make
Transparency
Every fee, rate and term is disclosed upfront — no fine print surprises.
Speed
Technology-led underwriting means decisions in minutes, not weeks.
Responsibility
We lend within a customer's means, guided by a strict fair-practice code.