Nisha Agarwal was born to Vinay Agarwal and Suman Agarwal in Mumbai. Her father, Vinay Agarwal is an entrepreneur and her mother Suman Agarwal is a confectioner. She has an elder sister, Kajal Agarwal who is an established actress.
She completed her studies in Mumbai and was working in a company as intern while simultaneously planning to do MBA. But then she had to leave then behind to make a career in acting.
Nisha Agarwal married a Mumbai based Businessman, Karan Valecha in December 2013.
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