Oswal (or Oshwal) is a well-known Jain mercantile surname used by many Oswal families, especially in Rajasthan, Gujarat, and surrounding regions. The surname identifies a family/lineage within the Jain community and is often associated with a traditional community identity (gotra/agnikula) and trade backgrounds.

Nalvaya appears to be a specific family name or lineage used by some Oswal families. In Jain communities, such surnames typically reflect lineage, town of origin, or family gotra rather than a universal religious meaning. There can be variations between Digambar and Shwetambar traditions in how a surname is used or understood, but both communities recognize Oswal as a distinct Jain lineage.

If you’re looking for precise genealogical or regional details (which town or gotra a particular Nalvaya Oswal family belongs to), you may find more context in community records or family genealogies within the Oswal-Jain milieu.