About Navi Loans & Mutual Funds
1. Cash Loan

Get an Instant Cash Loan of up to ₹20 Lakh with the Navi Personal Loan app. Our APR varies from 9.9% to 45%* & you can choose a wide range of repayment options starting from 3 to 72 months.

Personal/Cash Loan Features & Benefits

✅ Loan Amount: Up to ₹20 Lakh
✅ Interest Rate: Starting from 9.9% - 45% p.a
✅ Loan Tenure: 3 to 72 Months
✅ 100% digital process
✅ Instant money transfer to your bank account
✅ Minimum household income: ₹3,00,000 p.a

❌ No security deposit

How to apply for a Cash/Personal Loan?

- Download the Navi app
- Enter your details & check eligibility
- Enter the loan amount & select the tenure
- Complete your video KYC using PAN & Aadhaar
- Add your bank account, set auto-pay & get instant cash in your bank account

Example of How Navi Personal/Cash Loan works

Loan Amount - ₹50,000
Tenure - 12 months
Interest Rate - 22% (on reducing principal balance interest calculation)
EMI - ₹4,680
Total Interest Payable - ₹4,680 x 12 months - ₹50,000 Principal = ₹6,160
Processing Fees (incl. GST) - ₹1,475
Disbursed Amount - ₹50,000 - ₹1,475 = ₹48,525
Total Amount Payable - ₹4,680 x 12 months = ₹56,160
Total Cost of the Loan = Interest Amount + Processing Fees = ₹6,160 + ₹1,475 = ₹7,635

*Note: These numbers are for representation purpose only. Final interest rate & APR will depend on customer’s credit assessment

2. Home Loan

Get up to ₹5 Crore loan at an attractive interest rate starting at 8.74% p.a with flexible EMI options on Navi Home Loan app

Home Loan Features & Benefits

✅ Loan Amount: Up to ₹5 Crore
✅ Interest Rate: Starting from 8.74% p.a.
✅ Loan Tenure: Up to 30 Years
✅ Zero Processing Fees
✅ 100% paperless application process

How to apply for a Housing Loan?

- Download the Navi app
- Enter your personal & employment details
- Complete your KYC with PAN, Aadhaar & bank statements
- Get financial sanction letter

Navi Home Loan is available in Mumbai, Bengaluru, Hyderabad, Chennai, Delhi NCR, & Pune.

3. Health Insurance

Navi Health Insurance app provides a comprehensive health insurance plan which helps secure your family’s financial future with up to ₹1 crore cover.

Health Insurance Feature & Benefits

✅ Cover up to ₹1 crore
✅ Premium starts at ₹235/month
✅ 20 min cashless claim settlement at 10,000+ network hospitals
✅ 100% hospital bill covered
✅ 100% paperless process
✅ Insurance top-up & porting facilities available

How to buy Navi Health Insurance?

- Download the Navi app
- Get an instant quote
- Pay your premium & get access to your policy documents

How to claim Health Insurance?
- Select your admittance date & hospital
- Upload all the documents on the Navi App
- Avail of cashless claims with Navi

CIN: U66000MH2016PLC283275 | IRDAI Registration Number: 155

4. Mutual Fund

Navi Mutual Fund app helps you to invest in a wide range of funds, such as Navi Nifty 50 Index Fund, Navi Nasdaq 100 Fund of Fund, among various other active schemes.

Navi Mutual Fund Feature & Benefits

✅ Low expense ratio
✅ Diversification
✅ Start investing with as low as ₹10

How to invest in Navi Mutual Fund?

- Download the Navi app
- Select a Mutual Fund
- Complete your KYC
- Select SIP or Lump Sum
- Enter the investment amount & start investing!


About Navi

Navi app is developed & owned by Navi Technologies Limited, founded by Sachin Bansal and Ankit Agarwal, in December 2018.

The Personal/Cash & Home Loans are provided by Navi Finserv Limited, a Non-Deposit taking systemically important NBFC registered & regulated by the RBI.

Health Insurance is offered by Navi General Insurance Limited, a company registered with the IRDA as a general insurer.

Navi Mutual Fund, registered with the SEBI, offers multiple mutual fund schemes to investors.

Contact us:
● Loan: [email protected]
● Insurance: [email protected]
● Mutual Fund: [email protected]
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Apr 30, 2023
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