About Niskha Finance
Niskha Finance is a Financial Services company based in Bengaluru (India) founded in 2020. It offers quick gold loans with highest per gram rates and flexible repayments. It operates on a B2C model. The company has 15 employees. Its Indian entity Niskha Finance Private Limited reported revenue of ₹4.67 Cr. Niskha Finance offers products and services including Gold Loan and Loan Calculator. Its focus areas include FinTech, Lending Tech, Gold Loans and Consumer Lending. Similar companies include Finnable, Fibe and Rupeek; 3 of its 3 listed similar companies have raised funding.
Company details
Niskha Finance is an RBI-approved NBFC focused on gold loans, providing highest per gram rates, lowest interest options, and flexible repayment plans. They handle services like home visits for valuation and quick disbursements within 15 minutes. Based in Bengaluru, India, they ensure secured vaults and 100 insurance for gold. Customers benefit from transparent processes and tools like a loan calculator for easy planning.
- Headquarters Bengaluru, India
- Employees 15
- SectorsFinancial Services
- Email••••••••
- Phone•••• ••••
- Website niskhafinance.com
- Social LinkedIn X Facebook Instagram YouTube
- Legal Name Niskha Finance Private Limited
- Date of Incorporation 25 Apr, 2019
- Jurisdiction Bangalore, Karnataka, India
- Annual Revenue₹4.67 Cr
FY 2025 · +88% YoY
- Net Profit₹51 Lakh
FY 2025 · 11% margin
- EBITDA₹2.62 Cr
FY 2025 · 56% margin
- Employee Count15
Associated legal entities of Niskha Finance
Niskha Finance operates through Niskha Finance Private Limited (active). Its filings, financials, charges and directors are on the company page.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2025) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Niskha Finance Private Limited CIN U65999KA2019PTC123773 | Active | 25 Apr 2019 | Bangalore, Karnataka | ₹4.7 Cr | 15 | 3 | View details |
Products & Services of Niskha Finance
Niskha Finance offers a comprehensive portfolio of products and services, including Gold Loan and Loan Calculator.
Provides loans against gold with quick disbursement and flexible terms.
Online tool to estimate loan amounts based on gold weight and purity.
Apps and channels of Niskha Finance
its YouTube channel NiskhaFinance has 8 subscribers.
Board of directors of Niskha Finance Private Limited (Niskha Finance)
Niskha Finance Private Limited is the primary company behind Niskha Finance. The board of Niskha Finance Private Limited currently have 3 directors; the longest-serving is Vinod Gajanan Vernekar, appointed in 2019. 1 earlier director has ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Vinod Gajanan Vernekar DIN 02295036 | Director | 25 Apr 2019 | 7 yrs 6 mo | Niskha Finance Private Limited |
| Miyar Ramanath Nayak DIN 03352749 | Director | 31 Dec 2021 | 4 yrs 9 mo | Niskha Finance Private Limited |
| Shivram Santosh Vernekar DIN 07826557 | Director | 28 Apr 2023 | 3 yrs 5 mo | Niskha Finance Private Limited |
Financials of Niskha Finance
Figures of Niskha Finance Private Limited, the primary company behind Niskha Finance, for FY 2025. Revenue was ₹4.67 Cr (+88% year on year). Net profit was ₹51 Lakh (11% margin). EBITDA was ₹2.62 Cr (56% margin). Revenue has grown at a compounded annual rate of +79% over three years and +159% over five years.
- ₹4.67 CrRevenue · FY 2025 · +88% YoY
- ₹51 LakhNet profit · 11% margin
- ₹2.62 CrEBITDA · 56% margin
- ₹8.18 CrPaid-up capital
- 15Employees (provident fund records)
- +79%Revenue CAGR, 3 years
- +159%Revenue CAGR, 5 years
Balance sheet, profit and loss, cash flow and ratios of Niskha Finance Private Limited are on its company page.
Detailed financial statements for Niskha Finance
Statement rows, ratios, five-year trends and downloadable financials of the group companies require an active premium plan.
- Statement rows
- Financial ratios
- Five-year trends
- Downloads
Verified entity values are shown only after access is granted.
Similar companies to Niskha Finance
Niskha Finance has 3 listed similar companies in our database, 3 of them funded. They include Finnable, Fibe and Rupeek.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| finnable.com | 2015 | Bengaluru, India | $33.9M | 1,409 | Online personal loans with minimal documentation are offered digitally. | |
| fibe.in | 2015 | Pune, India | $212.38M | 1,856 | Fibe is recognized as India's largest lending platform for instant credit solutions. | |
| rupeek.com | 2015 | Bengaluru, India | $193.57M | 664 | An online marketplace for gold loans is facilitated. |
Detailed similar companies of Niskha Finance
The full competitor set, operating metrics and side-by-side benchmarks require an active premium plan.
- Full competitor set
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Top companies in Consumer and SME Loans
3 companies that operate in the same segment as Niskha Finance (Consumer and SME Loans) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Consumer and SME loans are provided by Manappuram Finance. | 1992 | Valapad, Kerala, India | USD 39.98 M | USD 1.01 B | 51,650 | |
Affordable home loans are extended to low and middle-income groups. | 2010 | Mumbai, Maharashtra, India | USD 209.7 M | USD 203.79 M | 1,630 | |
Diversified lending services are provided as a non-banking financial institution. | 1994 | Mumbai, Maharashtra, India | USD 1.9 B | 36,520 |
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Frequently Asked Questions about Niskha Finance
Niskha Finance was founded in 2020.
Niskha Finance is headquartered in Bengaluru, India. It is registered at Bengaluru, Karnataka, India.
Niskha Finance has 15 employees.
The primary company behind Niskha Finance, Niskha Finance Private Limited, reported revenue of ₹4.67 Cr for FY 2025, up 88% year on year.
Niskha Finance is an RBI-approved NBFC focused on gold loans, providing highest per gram rates, lowest interest options, and flexible repayment plans. They handle services like home visits for valuation and quick disbursements within 15 minutes. Based in Bengaluru, India, they ensure secured vaults and 100 insurance for gold. Customers benefit from transparent processes and tools like a loan calculator for easy planning.
Niskha Finance offers Gold Loan and Loan Calculator.
Niskha Finance operates through Niskha Finance Private Limited.
The legal entities of Niskha Finance currently have 3 directors, including Vinod Gajanan Vernekar, Miyar Ramanath Nayak, Shivram Santosh Vernekar.