About Nigamaa Financial Services

Nigamaa Financial Services, founded by Nayakanti Bala Thirupalaiah, brings over 40 years of unparalleled banking expertise to serve your financial needs. With a proven track record of managing total portfolios exceeding ₹6800 Crores across diverse loan products, including business, mortgage, home, educational, commercial vehicle, and personal loans, Nigamaa stands as a trusted partner in financial growth. Our founder's leadership experience spans top roles in major banks, overseeing large teams and multiple operational units. Since 2018, Nigamaa has successfully disbursed over ₹240 Crores in loans ranging from ₹50 Lakhs to ₹25 Crores, empowering businesses and individuals alike.

At NIGAMAA, we provide you the loan you deserve

Nayakanti Bala Thirupalaiah

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About the Founder

Nayakanti Bala Thirupalaiah, founder of Nigamaa Financial Services, is a seasoned banking professional with 40+ years of experience. He has held key leadership positions including Head of Operations for Karnataka & Tamil Nadu and led Consumer Finance departments at Kotak Mahindra Bank and ING Vysya Bank. His expertise in operational risk management and managing large teams has been instrumental in shaping Nigamaa’s success and commitment to excellence.

150+

47

Years of experience

Happy clients

Financial Solutions

Expert loan consulting for businesses, hospitals, and more.

Business Loans

Fuel your business with working capital, term loans, or unsecured funding. We support MSMEs, startups, and enterprises with minimal documentation. Loan amounts range from ₹50 lakhs to ₹100+ crores, tailored to your needs.

Home Loans/ Plot Loans

Buy your dream home or residential plot with our easy loan solutions. We offer doorstep service, low interest rates, and fast approvals. Loans available for salaried, self-employed, and NRI customers across India.

Project Finance

Get long-term funding for infrastructure, industrial, or service-based projects. We structure loans based on future cash flows and project viability. End-to-end support includes documentation, bank coordination, and phased disbursement.

Mortgage Loans

Raise capital by pledging your residential or commercial property. We help you unlock high-value mortgage loans with flexible repayment options. Best suited for business expansion, refinancing, or personal financial needs.

Term Loans for Machinery

Upgrade your operations with loans for machinery and industrial equipment. We offer asset-backed funding with flexible tenures and quick disbursal. Perfect for manufacturing, production, and service-based businesses.

Builder Finance

We offer builder finance for land purchase, approvals, and construction stages. With tie-ups across 20+ top banks, we ensure best interest rates and smooth paperwork. Ideal for residential, commercial, and township development projects.

Export and Import Finance

Support your global trade with export-import finance and trade credit solutions. We offer pre-shipment, post-shipment, LC support, and working capital funding. Stay compliant with EXIM guidelines while managing international transactions.

Loans for Hospitals & Schools

We provide sector-specific loans for educational and healthcare institutions. Funds can be used for infrastructure, equipment, or operational upgrades. Structured EMI plans and bank partnerships ensure smooth processing and approvals.

Our USP

Our Unique Service Points

3E's

47 years Experience

BSFI Expertise

Customer Centric Engagement

Save Time

Get Best Interest Rates

Fast and Smooth Process

Starting New Business

Scaling your Current Business

Starting one more New Business

We help you

When can you Connect with Us?

Our services

We not only help you with loans, but also provide financial consulting and hands-on guidance for all your financial needs.

Expert Consultancy for NRI Customers

Our NRI desk helps overseas clients access Indian loan products with ease. We guide you through eligibility, RBI norms, and documentation support. Services include property loans, business funding, and investment advisory.

Venture Capital for Businesses

We connect startups and growth-stage businesses with strategic VC partners. Our team helps with pitch decks, valuation, and equity-based funding structures. Ideal for founders seeking scalable capital and long-term investor alignment.

Not sure which loan suits your needs? We offer free expert consultations. Compare products, understand eligibility, and get help with documentation. No hidden charges, just honest advice to help you make the right choice.

Free Consultation for all Financial Products

Client Success

Hear from our satisfied customers

As first-time builders, we faced many challenges in getting project finance. Mr. Bala Thirupalaiah took the time to understand our needs and structured the loan perfectly. He helped us navigate complex bank documentation and secured ₹12 crores for our Abode Project. His 40+ years of banking experience truly made a difference. We couldn’t have asked for a better guide.

Murali Krishna

FIRST ENSEMBLE Bangalore (ABODE PROJECT)

Mr. Bala Thirupalaiah of Nigamaa Financial Services is a true expert in loan consulting. He helped us secure a ₹6.5 crore home loan from SBI with minimal hassle. His understanding of banking systems and documentation is unmatched. He made sure every detail was in place, and the sanction came through smoothly. We highly recommend his services to anyone seeking large-scale loans.

Ajay Mullangi and Harshitha Gupta

NRI in Singapore

★★★★★

★★★★★

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