Information only
Shivalik Small Finance Bank is a small finance bank, a category of bank licensed by the Reserve Bank of India (RBI). RBI lists its address in New Delhi. It began as Shivalik Mercantile Co-operative Bank, an urban co-operative bank, and was the first urban co-operative bank to convert to a small finance bank. Its website lists business loans, retail trade loans, loans against property, gold loans, housing loans, agriculture loans and vehicle loans. This page is an information summary, not an offer, and it does not compare the bank with other lenders.
Loans it offers
Retail and MSME loans Shivalik Small Finance Bank lists
| Loan | What to know |
|---|---|
| Home loans | The bank lists a Housing Loan and an Affordable Housing Loan. The affordable housing page names first-time buyers, salaried and self-employed borrowers, and covers buying, self-construction, extension, renovation and a balance transfer with a top-up. |
| Loans against property | A secured loan against property you own; valuation and legal checks apply. |
| Business and MSME loans | The bank lists a Business Loan, a Retail Trade Loan for traders, a Working Capital Loan and a Loan Against Warehouse Receipts. |
| Car loans | The bank lists Car / Auto Loans, with the vehicle as security, and separate commercial vehicle loans. |
| Two-wheeler loans | A Two Wheeler Loan is listed on the bank's loans menu. |
| Gold loans | A loan against gold ornaments. The bank has also announced gold-loan tie-ups with other companies. |
Read how these loans work on LOANZ 360: home loans, loans against property, business loans, car loans, two-wheeler loans, gold loans. The bank's own website is the record of its current products.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Small finance bank |
| Registered office (RBI listing) | New Delhi |
| Former name | Shivalik Mercantile Co-operative Bank, which the bank says was founded in 1998 |
| Became a small finance bank | RBI announced that the bank began operations on 26 April 2021 under a licence granted under Section 22(1) of the Banking Regulation Act, 1949 |
| Other products on the bank's site | Loan against bank deposit, agriculture term loan, farmer finance and crop loans, micro loans, roof top solar loan |
As of 8 November 2026, the bank's website states that ManiBhavnam Home Finance India Private Limited has merged with Shivalik Small Finance Bank, effective 28 July 2026, and that existing customers continue to service their loans as usual.
Before you apply
- A small finance bank is an RBI-licensed bank that must meet priority-sector lending requirements and serves segments that larger banks may reach less.
- If your loan came from ManiBhavnam Home Finance, the bank states that repayment obligations and customer support continue unchanged. Keep your loan papers and confirm your account details with the bank.
- For an affordable housing loan, ask what income proof the bank accepts if your income is not on salary slips.
- Request the Key Fact Statement and compare offers on the APR.
- Processing, foreclosure and penal charges are set by the lender; read them first.
Compare this bank's current rates with other lenders on the interest rates page. Checking your own credit score does not lower it. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score.
Current rates for many lenders are on interest rates, and other banks are under lenders. The site decides the label on this page, lending partner or information only, from live data. If it shows information only, apply on the bank's own website.
Last updated 12 Nov 2026