Nalwaya is not a widely standard Jain gotra name that appears in classical texts. Oswal, on the other hand, is a well-known Jain surname used by a mercantile community traditionally found in Rajasthan, Gujarat, and parts of Sindh. In many Oswal families, surnames or clan–names (often called gotra or lineage names) are used to identify ancestral lineage, business families, or sub-clans.

What this likely means:

• If your family uses “Nalwaya” as part of the surname, it could be a local lineage or family-house name within the broader Oswal Jain community.
• Surname/lineage details vary by family, region, and tradition, so the exact significance can differ from one family to another.

If you want a precise meaning for a specific person or family, you’d typically check family records, elder members in the community, or regional genealogies maintained by Oswal/Jain communities.