Bengaluru | November 17, 2025-
In an initiative that deepens the education partnership between Australia and India, the Australian Trade and Investment Commission (Austrade), Australia’s national trade and investment promotion agency, supported the launch event of NiviCap.The launch event was graced by Mr. Justin Langer, the renowned Australian cricket coach and former cricketer, who officially unveiled the NiviCap app. The ceremony also marked the announcement of Justin Langer as a Brand Ambassador for NiviCap.
Developed by the founder of Ziksu Australia, one of the country’s leading fintech brands, NiviCap bridges India and Australia’s education ecosystems through a comprehensive suite of non-banking solutions. Designed to support both students and parents from pre-admission to post-arrival, it brings together services such as loan discovery, application assistance, forex guidance, and post-arrival support under one secure digital solutions platform. NiviCap stands apart for combining transparency, technology, and empathy, giving students a seamless pathway to their academic goals and parents the comfort of knowing their children are supported every step of the way.
Mr. Karthik Srinivasan, Founder, NiviCap, shared, “As an Indian-born Australian, I’ve lived the same journey that thousands of students take every year, filled with excitement, but also anxiety. I know firsthand how overwhelming it can be to handle documentation, manage finances across countries, and deal with the emotional toll of being far from home. I’ve seen how these challenges can make dreams feel distant.
Those experiences stayed with me and shaped my professional journey. Having worked in banking across India and Australia, I witnessed how complex regulations and cross-border systems often make these transitions even harder. When I later represented Australia in fintech at the G20, it reaffirmed my belief that innovation, when built with empathy, can truly solve real human challenges.
Addressing the press he said “NiviCap operates with full regulatory compliance through its underwriting partnership with IDFC bank and follows strict KYC process.He said platform features a privacy management system allowing Co-applicants,parents or extended family to upload financial documents privately.
On Company”s projected growth ,KarthiK Srinivasan declined to share targets but said the average loan ticket size for Australia-bound students on this platform is around Rs.55 lakhs.
He further added NiviCaps focus was not market share but reducing parental anxiety and supporting students meaningfully. He explained Company”s digital- first models aims at to strengthen last mile lending in cities like Jalandhar,Luknow,Surat and Rajkot in a manner similar to UPI’s transformation in payments
Expressing his enthusiasm, Mr. Justin Langer, Brand Ambassador and former Australian cricket coach, said, “As both a father and a coach, I understand the emotions that come with watching young people chase big dreams away from home. India and Australia share a bond that goes beyond sport, it’s built on trust, respect, and shared ambition. NiviCap captures that beautifully. To me, NiviCap is like a great coach, steady, reliable, and always there when the pressure is on. It gives students the confidence to perform and parents the reassurance that their children are in safe hands. That’s why I’m proud to stand with a brand that champions both ambition and care.”
Mr Mukund Narayanamurti, Minister (Commercial), and Head of South Asia, Australian Trade and Investment Commission (Austrade), said, “Australia deeply values its education partnership with India. Indian students enrich our campuses and communities, and they are central to the cultural and economic ties between our two nations. NiviCap’s launch by an Australian firm Ziksu is a great initiative to support Indian students aspiring to Study in Australia.”
NiviCap will go live with its first phase with the launch of education Loans, providing students with an integrated platform to explore, apply for, and manage loans digitally. Subsequent staggered launches in the coming months will introduce features for forex, and post-arrival support, completing the full ecosystem of support.says release.
