Australia
on the Radar: NiviCap Powers Students with Up to ₹45
Lakh in Hassle-Free Digital Loans
Chennai, 01 December, 2025: Australia
has seen a sharp rise in international education demand, with the total number
of overseas student visa-holders crossing 608,000 by late 2024, surpassing
pre-pandemic benchmarks. Indian students now represent roughly 17% of this
cohort, cementing India as one of Australia’s strongest education corridors.
Yet, despite such strong demand, the study-abroad financing journey remains
complex, scattered, and stressful for families, especially in Tier-II and
Tier-III cities.
NiviCap has been built to
fix exactly that. It has been built to solve the real challenges Indian
students and their families face when planning education in Australia. More
than just a loan provider, it offers straightforward, transparent education
loans that cover tuition, living expenses, visa costs, and travel, with loans
up to ₹45
lakh and competitive interest rates based on creditworthiness.
Backed by the founders of ZIKSU, Australia’s homegrown fintech, it combines knowledge of the Indian market with on-the-ground experience in Australia so that parents know precisely where their money is going and when.
The NiviCap App goes beyond loans; it helps families with more than just loans. It also makes it easier for them to send and receive money, pick up students at the airport, and hold their hands when they arrive so they don't have to figure things out on their own in a new nation. Everything from applying to getting money to living in Australia is designed to be quick, straightforward, and digital, with human help when it's needed most.
This way, students can focus on their future and parents can
feel their stress levels drop at every stage. Strengthening this bridge of
trust is the presence of Justin Langer, former Australian cricket coach, who
supports NiviCap as its Brand Ambassador, resonating with the platform’s values
of guidance, reliability, and mentorship.
Mr. Karthik Srinivasan, Founder, NiviCap, shared, “As an Indian-born Australian, I’ve lived the same journey that lakhs of Indian students aspire to every year. Today, around 5.2 lakh Indian students want to study in Australia, but only about 1.6 lakh make it, often because the financial process feels overwhelming, fragmented, or unclear.
Nearly 80% depend on loans, yet many families struggle
with documentation, cross-border regulations, and the emotional stress of
managing finances across two countries. Having worked in banking across India
and Australia, I’ve seen firsthand how these challenges can make academic
dreams feel distant."
"That is why we built
NiviCap App, not just as a loan platform, but as a holistic, industry-led
support system for students and their families. ‘Fast. Fair. Family Approved.’
isn’t just our promise, it’s the commitment that shaped this platform.”.
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