NuoG Capital Loan's & HAUS Lo-Z is the Brand Owned & Trade Name By NuoG GRIHAUS Limited, NuoG Grihaus Limited is a Fin-tech Startup in the Working Capital and Home Services.

NuoG GRIHAUS Limited is a Digital Financial Services Company, Registered With MCA As a Non-Deposit Accepting Systemically Important Non-Banking Financial Company (NBFC). Registered at Mumbai, MH & Headquartered in Bangalore, KR, We are a Part of the $ 0.35 Billion NuoG Group.

Our Partner's With RBI & NHB -- Authorised & Regulated by the Financial Conduct Authority Multiple Bank's, NBFC's, Financial Institution's, Pvt Invester's, Fintech & Including Our NuoG Capital Loan's. NGHL Provides Customized Finance Product's & Solution's that Suits Customer Requirement to Enabling them to Purchase Equipment and Traded Product's.

NGHL Prides itself in Facilitating Customer Totally Finance Solution's with Speed in a Transparently Manner. NGHL Offer's Financing Solution's for All Manufacturing Make and Traded Product's Such as Tractors, Harvesters and Implements We Also offered Top-up, Re-Finance and Used (Pre-Owned) Equipment Solution's.

NGHL Offer's Monthly/Quarterly/Semi-Annual Loan Re-Payment Options Suitable for Customer Needs. NGHL Leverages Best-in-Class Technology to Ensure Instantly Loan Approval and Offer's Multiple Digital Re-Payment Options.

Through a Variety of its Product's and Best in Class Services/Technological Driven Approach, NGHL is the Preferred Choice to NuoG Capital Loan's Customer's for Last Several Year's

Our NuoG Capital Loan's Subsidiary NuoG GRIHAUS Limited to Help Ful-fill the Requirements of NuoG Capital Loan's Lending Partner. NuoG Capital Loan's Was Established to Enable Access to Economical Business & Housing Finance to the Lower- and Middle-Income Groups in Semi-Urban and Rural Parts of India.

We are Currently Based in Bangalore, Delhi NCR & Mumbai But We Serve Across Entire PAN India



Our Vision is to be the Preferred Financial Solutions Partner Excelling in Customer Delivery Through Leveraging Our Strengths and Capabilities, Empowering Our Employees and Smart Use of Technology. A Clear Vision and Effort has Not Only Helped Us Develop a Set of Competencies, But Also Move Ahead with Greater Force and Self –Assurance. NGHL Thus Foster Trust, Uphold Integrity and Radiate Positive Energy. "The Vision of the Company is to Enable Customers Afford a Better Life." To be the Most Trusted Financial Services Brand

  • Trust: Denotes Legacy and Brand Promise.
  • Financial Services: Holistic Term that Broadly Defines the Current and Future Business Expansion.


To Help Individuals & Businesses Achieve More by Offering the “Best-in-Class Customer-Centric Products and Solutions”. Our Mission is to Offer Lending and Investment Products that Serve Low- and Moderate-Income Individuals and Families. Improve Undeserved Low- and Moderate-Income Communities. Create Sustainable Practices for the Long Haul.


NuoG SOARS!!! Where in Our Values are as Below
  • S – Stands for Sensitivity
  • O – Stands for Ownership
  • A – Stands for Agility
  • R – Stands for Respect
  • S – Stands for Synergy
Values and Guiding Principles
  • Integrity
  • Professionalism
  • Exceptional Customer Service
  • Fiscal Conservatism and Compliance
  • Collaborative and Transparent
  • Continuous Improvement
  • Respectful Diversity
Our Strength
  • Finance to All Categories of Vehicles
  • Trained and Empowered Team
  • Quick Approval of Loans
  • Excellent Customer Service
  • Flexible Repayment Options, Ranging 12-36 Months
  • Easy Documentation
  • Maximum Finance Provided is 75% of the Value as Assessed by Us
  • Speedy Processing System Sanctioning the Loan within 48 Hours

Company Rating

S. No. Instrument/Facility Amount(Rs. Crore) Current Ratings Previous Ratings Rating Action
1. Long Term Bank Facilities - Term Loan 74.00 IVR BBB/ Stable (IVR Triple B with Stable Outlook) IVR BBB/ Stable (IVR Triple B with Stable Outlook) Reaffirmed
2. Long Term Bank Facilities - Fund Based 24.00 IVR BBB/ Stable (IVR Triple B with Stable Outlook) IVR BBB/ Stable (IVR Triple B with Stable Outlook) Reaffirmed
3. Long Term Bank Facilities - Fund Based 20.00 IVR FBBB/ Stable IVR FBBB/ Stable Reaffirmed
4. Proposed NCD 10.00 IVR BBB/ Stable (IVR Triple B with Stable Outlook) IVR BBB/ Stable (IVR Triple B with Stable Outlook) Reaffirmed & withdrawn
With the Passing, The company is Rapidly Growing and the Growth is Visible with Highlighted Points Mentioned
  • On 11 February 2024, Company was Merged & Converted from a Private Limited to a Public Limited Company.
  • On 17 August 2023, The Management of NuoG GRIHAUS Limited had been Taken Over by New Management.
  • On 01 October 2023, Head Office Inauguration in Bangalore (KR) was Celebrated.
  • On 01 October 2023, NGHL Corporate & Headsquare Office Step-Up/Sifted in Bangalore (KR).
  • On 12 May 2023, First HAUS LESSEE/LANDLORD On-Board was Opened in Bangalore.
  • ON 21 October 2023, Second State HAUS LESSEE/LANDLORD On-Board in Uttarakhand was Opened in Dehradun.
  • In year of 2018, Company got AFC (Asset Finance) Certificate from RBI (Reserve Bank of India).
  • On 01 April 2019, First Case Loan Disbursed Centre was Opened in Delhi NCR.
  • On 08 August 2019, Admin Office was Opened in Delhi NCR (Capital of India).
  • On 18 January 021, First Loan Collection Centre was Opened in Navi Mumbai, MH.
  • On 21 April 2021, Third HAUS LESSEE/LANDLORD On-Board was Opened in Delhi NCR.
NGCPL, AFPL and AAPL Announce Merger: Financial Inclusion & Product Services Powerhouse in the Making
  • Strategic, Growth-Oriented Merger of two Strong, Well-Run NuoG Group.
  • Merger to Capitalize on the Complementary Geographic Footprint and Product Basket of the Three Company to Create a Truly Pan India Retail Financial Inclusion & Product Services Franchise Company.
  • Compelling Synergies Especially in Deposits, Technology and Scale Driven Efficiencies Over Time.
  • All Stock Merger with Shareholders of NuoG Group Receiving 15 Shares in NGCPL for Every 20 Shares Held in NuoG Group.
Intimation on Merger of NuoG GRIHAUS Limited Entities

"This is to Inform You That (“NGCPL”), (“AFPL”), and (“AAPL”) have Merged with NuoG GRIHAUS Limited (“NGHL”) with Effect from 16/02/2024. The Registered Office of NGHL is at BAWA Tower, Plot No. 78/79, Sec-17, Vashi, Navi Mumbai-05, MH, India.

Henceforth any Reference to NGCPL, AFPL, or AAPL Shall be Treated as a Reference to NGHL.

The Merger is an Internal Restructuring Exercise and Results, Inter Alia, in the Transfer and Vesting of the Assets, Liabilities and the Entire Undertaking of NGCPL, AFPL, and AAPL into NuoG GRIHAUS Limited, followed with the Dissolution, without Winding up, of Each of NGCPL, AFPL, and AAPL. The Existing Rights and Obligations of NGCPL, AFPL, and AAPL Including Existing Agreements and Contracts Shall Stand Automatically Transferred to NuoG GRIHAUS Limited.

Mumbai, 14th Feb’ 2024 The Board of Directors of NuoG GRIHAUS Limited (“NGHL”) and the Board of Directors of NGCPL