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