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 36%* & 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% - 36% 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!
*MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS. READ ALL SCHEME-RELATED DOCUMENTS CAREFULLY.
About Navi
Navi app is developed & owned by Navi Technologies Limited founded in December 2018 by Sachin Bansal and Ankit Agarwal, with the objective to simplify finance for a billion people.
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]
