About Jivika Loans
A compliant, technology-enabled personal lending platform — Empowering Dreams, Enriching Lives.
Enabling Access to Responsible Personal Credit
Jivika Loans is a digital personal lending platform connecting salaried individuals with fast, transparent, and fully paperless personal loans — from ₹1,000 to ₹1,00,000 — at tenures of up to 36 months.
Our tagline — Empowering Dreams, Enriching Lives — reflects our core belief: that structured, fair-priced personal credit should be accessible without branch visits, excessive paperwork, or unexplained delays.
The platform is operated by VARV Technology Private Limited and backed by Ajivika Finance Limited, an RBI-registered NBFC — ensuring every loan is governed by India's regulatory framework for responsible lending.
Empowering Dreams, Enriching Lives
Our Mission
To provide salaried professionals across urban and semi-urban India with swift, dignified access to personal credit — through a process that is fully digital, completely transparent, and anchored in regulatory compliance.
Our Vision
To be among India's most trusted digital lending platforms — recognized for our commitment to borrower welfare, operational integrity, and the responsible use of technology in financial services.
The Institutions Behind Jivika Loans
Ajivika Finance Limited
CIN: U74120UP1986PLC115939 | RBI CoR No.: [To be inserted]
Ajivika Finance Limited is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India. As the licensed lending partner for Jivika Loans, Ajivika Finance Limited is responsible for credit assessment, loan sanction, and disbursement. All lending activity is conducted in accordance with RBI's Master Directions on Digital Lending and applicable NBFC regulations.
VARV Technology Private Limited
CIN: U66190UP2024PTC212400
VARV Technology Private Limited is the Technology Service Partner (TSP) responsible for developing, operating, and maintaining the Jivika Loans digital platform. VARV manages the borrower-facing interface, digital KYC workflows, loan tracking, and technical infrastructure — in alignment with RBI guidelines on the roles of Technology Service Partners.
Why Borrowers Trust Jivika Loans
RBI-Regulated Lending
Loans are sanctioned by Ajivika Finance Limited — an RBI-registered NBFC — ensuring full regulatory oversight and borrower protection.
Upfront Disclosures
All interest rates, processing fees, and repayment schedules are disclosed before you accept a loan offer. No hidden charges, ever.
Data Protection
Your personal and financial data is encrypted and handled in accordance with India's data protection standards and RBI digital lending guidelines.