Navi Personal Loan

Get paperless personal loan online up to Rs. 5 Lakhs through Navi personal loan app and repay in flexible tenure of up to 36 months. The interest rate for Navi personal loan starts from as low as 12% p.a. and the loan can be pre-closed at zero additional charges.

Navi Personal Loan Details

Following are the key Navi loan app details: 

Minimum Loan AmountRs. 10,000
Maximum Loan AmountRs. 5 Lakhs
Tenure3 to 36 months
Rate of Interest12% to 36% p.a.
Processing Fee3.99% to 6% of the loan amount
CollateralNot required
Foreclosure ChargesNil

Navi Personal Loan Features

  • Get Navi instant personal loan up to Rs. 5,00,000 online.
  • Processing fee is 3.99% to 6% (minimum Rs. 1,499 and maximum Rs. 7,499 + GST). 
  • Get the money instantly transferred to your bank account on approval.
  • No bank statements or salary slips are required to apply for the loan.
  • The entire process for Navi instant loan is 100% paperless.
  • Minimal documentation required.
  • No printouts of documents are required.
  • Navi app loan interest rate is affordable and starts from 12% p.a.
  • Flexible tenure up to 36 months and flexible EMI options available.
  • Instant online eligibility check.
  • No security deposit or collateral required to obtain the loan.
  • Zero foreclosure charges levied on prepayment of the loan.
  • Navi instant personal loan reviews are available online for your satisfaction and trust.

Navi Personal Loan Interest Rate

Navi personal loan interest rates are fixed in nature and can vary from 12% to 36% per annum, depending on the loan amount, repayment tenure, and borrower’s eligibility. You will also be required to pay a processing fee of 3.99% to 6% (minimum Rs. 1,499 and maximum Rs. 7,499 + GST) along with the Navi interest rate.

Navi Personal Loan Eligibility

  • Nationality: Must be an Indian citizen.
  • Occupation: You can either be salaried or self-employed
  • Age: The applicant should be aged between 18 and 65 years to avail the loan. The minimum age requirement can also be increased to 21, 23 or 25 years in some cases.
  • Credit score: The minimum credit score should be 650 or above to meet the Navi personal loan eligibility.
  • Location: Navi personal loan facility is currently available in select cities only, including:
    • Andhra Pradesh: Visakhapatnam (Vizag), Ananthapur, Chittoor, Guntur, Krishna, East Godavari
    • Bihar: Patna, Gaya
    • Chandigarh
    • Delhi NCR: New Delhi, Gurgaon, Noida, Greater Noida, Ghaziabad, Faridabad
    • Gujarat: Ahmedabad, Vadodara, Valsad
    • Haryana: Ambala, Karnal, Kurukshetra, Panchkula, Panipat
    • Jharkhand: Ranchi
    • Karnataka: Bangalore, Mysore, Udupi, Dharwad, Kolar, Hassan, Mandya
    • Kerala: Ernakulam, Kollam, Kottayam, Thiruvananthapuram, Thrissur
    • Madhya Pradesh: Indore
    • Maharashtra: Mumbai, Navi Mumbai, Thane, Pune, Nagpur, Ahmed Nagar, Kolhapur, Aurangabad, Nashik, Satara
    • Odisha: Bhubaneshwar, Cuttack
    • Pondicherry
    • Punjab: Amritsar, Ludhiana, Jalandhar, Mohali, Ropar, Bathinda, Fatehgarh Sahib
    • Rajasthan: Jaipur, Udaipur, Ajmer, Alwar, Kota, Jhujhunu
    • Tamil Nadu: Chennai, Tiruchirappalli, Erode, Madurai, Vellore, Salem
    • Telangana: Hyderabad, Secunderabad, Mahabubnagar
    • Uttar Pradesh: Ghaziabad, Noida, Lucknow, Jhansi
    • Uttarakhand: Dehradun
    • West Bengal: Kolkata, Hoogly, Howrah

Navi Personal Loan Document Required

You only need the following documents to apply for a personal loan at Navi app:

  • PAN number
  • Aadhaar number

How to Apply for Navi Loan?

Getting a personal loan from a loan app like Navi is extremely easy and quick. Here are the steps to be followed:

  • Download and install the Navi app for loan on your smartphone from Google Play (for Android users) or App Store (for iOS users).
  • Register with your mobile number.
  • Fill in some basic details to check your personal loan eligibility.
  • Select the required loan and EMI amount.
  • Complete the KYC process with a Selfie, Aadhaar and PAN numbers.
  • Enter the bank account details for online money transfer.
  • Get instant money transferred from the Navi instant personal loan app to your bank account.

Navi Personal Loan Contact Details

You can contact Navi for any Navi app loan queries, complaints, and feedback through the following ways:

Send email at: help@navi.com  

Visit or write to Navi at their office address:

Navi Technologies Pvt Limited

3rd Floor, Salarpuria Business Center, 

93, 5th A Block, Koramangala

Bangalore - 560095

Kotak Personal Loan Festival Offer 

Ahead of festival season, Kotak Mahindra Bank has announced Rs 999 flat processing fee offer on Personal Loans. Customers can avail of instant approvals on personal loan applications up to Rs. 20 Lakhs at lowest interest rate starting at 10.25% p.a for maximum of 5 years. 

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Navi Personal Loan FAQs

Is Navi a registered NBFC?

Navi provides loans through its lending partner Navi Finserv Private Limited. Navi Finserv Private Limited is a Non-Deposit taking Systemically Important NBFC (Non-banking Financial Company) registered and regulated by the RBI (Reserve Bank of India) within the Navi Group of Companies carrying the Navi Brand. The Navi instant loan app is a platform that facilitates the loan transactions between the borrowers and the Navi Finserv Private Limited, which is Navi loan partner and an NBFC registered with the RBI.

How do I borrow from the Navi app?

You can download the Navi personal loan app, check your eligibility, enter a few basic details and upload your selfie to get a loan from the Navi app. The process is instant, 100% online and paperless. You can also read the Navi loan app review online for more details.

What is the interest rate of a Navi loan?

Navi loan app interest rates are fixed in nature and can vary from 12% to 36% per annum, depending on the loan amount, repayment tenure, and borrower’s eligibility. Apart from the Navi instant personal loan interest rate, you are also required to pay a processing fee of up to 6% of the loan amount sanctioned.

What is the minimum salary required for Navi Personal Loan?

There is no specific limit in the minimum salary required for personal loan Navi.