INDIA'S FIRST COMMUNITY FINANCIAL REWARDS ECOSYSTEM

GrihNivaran

"Expense Pays Back"

Every loan, insurance and investment your residents already make — now earns rewards back. For the member. For the society. For everyone. At zero extra cost.

₹0
Cost to society
10th
Monthly fund transfer
100%
Privacy protected
6
Stakeholder roles
HOW IT WORKS

Simple as 4 steps

Banks were already paying commissions to stranger brokers. GrihNivaran redirects that money back to your community.

01
Member applies
Opens GrihNivaran, selects service, sees exact reward before applying. Agent visits doorstep.
02
Bank pays commission
Service is processed. Bank pays commission to GrihNivaran. Member pays same EMI as always.
03
Platform splits
Fixed amount to member's Earnings Funnel + Equal amount to society fund + Platform processing fee.
04
Society receives on 10th
Society fund credited via NEFT/RTGS on 10th of every month directly to your bank account.
SERVICES & REWARDS

Fixed rewards — no surprises

All reward amounts are fixed flat rupee amounts. Never change with bank policies or RBI circulars.

ServiceMember earnsSociety earnsType
Personal Loan₹500 per ₹1L₹500 per ₹1LOne-time
Home Loan₹500 per ₹10L₹500 per ₹10LOne-time
LAP₹800 per ₹10L₹800 per ₹10LOne-time
Life Insurance (Y1)₹1,500 flat₹1,500 flatOne-time
Life Insurance (Y2+)₹200 on renewal₹200 on renewalYearly ♻
Health Insurance₹400 flat₹400 flatYearly ♻
MF SIP₹30 per ₹1K/month₹30 per ₹1K/monthMonthly ♻
Vehicle Insurance₹200 flat₹200 flatOne-time
Fixed Deposit₹150 per ₹1L₹150 per ₹1LOne-time
ITR Filing₹100 flat₹100 flatOne-time
SOCIETY FUND

Your society earns too

For every transaction a member makes, your society fund gets an equal reward — automatically, monthly, on the 10th.

📅
10th of every month
NEFT/RTGS directly to your society's registered bank account. No delays. No follow-ups.
🔒
100% anonymous
Committee sees only total amount. No member names, flat numbers or service types ever visible.
🏆
Committee decides
CCTV, garden, health camps, senior care, repairs — your committee decides how to use the fund.
🪪
Tenants included
Tenants earn as associate members. 25% of their commission goes to your society fund automatically.
📈
Invest and grow
Society can invest monthly fund in Mutual Funds via NJ Wealth for additional annual returns.
💙
Defaulter dignity
Members with dues get their Earnings Funnel applied to outstanding amounts. No public shaming.
WHO BENEFITS

Every stakeholder wins

🏠
Society Members
Earn rewards on every financial service. Bronze → Silver → Gold → Platinum recognition. Maintenance adjustments. Medicine delivery. Health camps.
Own Earnings Funnel
🪪
Tenants
Full access as Associate Member. Own Earnings Funnel. Financial services at same rates. 40% of reward goes to their wallet. Complete privacy from landlord.
Privacy Protected
🏛️
Society Committee
Anonymous monthly commission. Maintenance adjustment approvals. Growing fund for society improvements. Health event management. Zero extra workload.
₹0 extra work
🔑
Flat Owners
Passive rental supplement from tenant transactions. Dual income — own services + tenant supplement. Near Platinum tier faster. Transfer supplement to funnel anytime.
Dual Income
LICENSED PARTNERS

Backed by India's best

🏦
Aadifidelis Solutions
Corporate DSA. All loans — personal, home, business, LAP. Fixed deposits. Empanelled with all major banks and NBFCs.
📈
NJ Wealth
AMFI ARN + IRDAI licensed. All Mutual Fund SIPs, life insurance, health insurance. One of India's largest wealth platforms.
🏥
Hyginex Global
Health & wellness partner (KPV group). Quarterly health camps, medicine delivery, senior citizen care, Urban Company tie-up.
REGISTER YOUR SOCIETY

Start earning today

No cost. No commitment. Just fill this form and we will contact you within 24 hours.

We will WhatsApp you on 9930991410 within 24 hours. Zero obligation.

Get in touch

We are here to answer every question.

📱
CALL / WHATSAPP
9930991410
📧
EMAIL
hello@grihnivaran.com
🌐
WEBSITE
grihnivaran.com
GrihNivaran

Expense Pays Back

member@demo.com / demo123  |  admin@demo.com / admin123
tenant@demo.com / demo123  |  committee@demo.com / demo123
owner@demo.com / demo123  |  partner@demo.com / demo123

Login created by admin after society onboarding.

GrihNivaran
Member