Get Up to ₹20 Lakh Instantly: A Complete Guide to Navi Personal Loans
If you are in need of money, then the Navi App can be a better loan option for you that offers you various loan options, such as personal loans, home loans, car loans or bike loans, etc., which are given based on your credit score.
Its founder, Flipkart’s former CEO Sachin Bansal, has set up the door for all consumers in India.
Next, we will explain the process of applying for a Navi App Personal Loan, which includes submitting the application and transferring the loan amount to your account.
In this article, we will guide you on How to Get a Personal Loan from the Navi App: a 2025 Step-by-Step Guide.
What is a Navi Personal Loan?
Navi App Personal Loan is a digital financial service provided by Navi Finserv that offers a personal loan facility at an easy and affordable interest rate for the Indian user so that we can repay another loan or use it for any other financial assistance.
Sachin Bansal registered the company with NBFCs or the RBI’s Guide-In in 2020.
The most important aspect of the Navi Loan is that you can apply for a loan from anywhere in India by installing a single application, completing all the necessary steps, and easily transferring the loan amount to your account.
What is the process of applying for a Navi Personal Loan?
By the way, the Navi app is very user-friendly. You can download the Navi app from either the Play Store or Google Play Store, after which you can initiate the loan application process. The following steps will explain step-by-step follow-up.
Step 1: Download and Install the Navi app: If you are an Android user, then download the Navi app from Google Play, and if you are an iOS user, download the app by searching for the Navi app on the Play Store.
Thereafter, create an account by giving your personal details, such as name, date of birth, email ID, etc.
Step 2: Account Verification and Creation: After installing the app, ensure that you have provided the correct details, such as your name, phone number, and email ID. Then, verify your account by entering the OTP that will be sent to your phone. After account creation, you will need to set your user ID and password.
Step 3: Select the Personal Loan: After the completion of the account verification process, you will see the loan options, in which you will select the personal loan according to your preference or take the application process to the next stage.
Step 4: Verify Your Eligibility:
- In this step, you must provide your income details. If you are employed, you must provide your salary slip. Self-employed people must provide account details to approve loans based on income.
- For how many years do you want to take the amount, or can you take it, after which, if you are eligible, you will proceed to the next steps?
Step 5: Upload Your Documents:
After completing the application form, you will now have to upload all the necessary documents, such as:
- ID proofs
- PAN and Aadhaar cards
- proof of address,
- proof of income,
- salary slip
- bank statement
After uploading all these details, the personal loan will be approved on the basis of your civil score.
Note: Double-check all the details once to submit the personal loan application.
Step 6: KYC Verification:
- After the Navi loan application is approved, an OTP will be sent to your mobile number for registration; once you enter the OTP and complete this process, a KYC verification link will be sent to your mobile.
- You will need to provide your name and date of birth along with your PAN card and Aadhaar card to complete the video KYC.
Step 7: Link your bank account: The last step is to link your bank account to the Navi app so the loan amount can be credited to your account.
Features and Benefits of Navi Personal Loans
- Instant payment: After you install the Navi app and complete all the formalities, create an account and upload the required documents; you can instantly transfer the loan amount to your account, based on your eligibility.
- Complete paperless process: Yes, you don’t need to fill out any physical or offline forms; just install the app, and after entering the basic details, the application process will be completed.
- EMI flexibility: You can convert Navi App’s personal loan into EMI for a minimum period of 12 months to 6 years depending on your convenience.
- Fewer documents: All you have to do is upload some documents, such as bank account details, etc., along with your PAN card or Aadhaar card, and thereafter, you can transfer the loan amount to your bank account according to your eligibility.
- No guarantor required: You do not need a guarantor for this loan, allowing you to complete the process without any stress.
What are the Navi Personal Loan interest rates?
Interest Rate: Navi App Personal Loans can range from a 9.9% to a 45% per annum interest rate with a minimum of 3 months and a maximum of 72 months.
What are the eligibility criteria and documents required for a Navi Personal Loan?
Eligibility Criteria:
- The applicant should be between 21 and 65 years old to get a personal loan from the Navi App.
- The applicant must be an Indian citizen.
- To obtain a personal loan from the Navi App, the applicant should have a high civil score, i.e., 750 or above.
What are the documents required to obtain a personal loan from the Navi App?
- You must have a valid PAN and Aadhaar card.
- If you are salaried or self-employed, you must have a salary slip or proof of income.
- Your annual income must be three lakhs or more.
What are the fees and charges of Navi Personal Loan?
- The interest rate of a personal loan on the Navi App also depends on your civil score, loan amount and repayment period.
- The annual interest rate in the Navi app can start at 9.9% and go up to 45% per year. 3. Processing Fee: Whenever you apply for a loan from the Navi app, you pay a processing fee, which can range from 3.99% to 6%.
- Alternatively, this amount can range from Rs 1499 to Rs 7400, excluding GST. But if you have an offer, you may get relief on processing fees or annual charges.
Is the new app loan fake or genuine?
The founder of Navi Technologies is a former CEO of Flipkart. The Navi app is a legitimate and reliable platform for financial services. It offers various financial services, such as personal loans, home loans, mutual funds, etc.
What are the maximum and minimum amounts of the Navi Personal Loan?
The maximum limit for a personal loan on the Navi app is ₹ 20 lakh, and you can take a loan of up to a minimum of Rs 10,000 on it.
How to calculate EMI for a Navi Personal Loan?
- With the help of the Navi App Personal Loan Calculator, you can calculate your loan by selecting the total amount and interest rate, along with the tenure year or month.
- Then you’ll know your monthly EMI and total interest over the term.
- It’s an effortless process; you can scroll as you wish.
What is the repayment or foreclosure fee for a Navi Personal Loan?
Processing Charges: The processing fee can start at 3.99% and go up to 6%, with a minimum of Rs. 1,499 and a maximum of Rs. 7,499 + GST.
However, Navi offers a reasonable rate of interest and processing fees for its users.
How do I contact Navi’s customer service?
Users have always found it easy to contact the customer service of the Navi app. You can contact the customer care team via chat or phone.
Contact via Chat: From the support section, you can chat with them to resolve your issue or for any clarification.
You can contact the Navi application directly through the phone number given below.
Phone Number: +918147544555
If you would like to contact the customer service team directly by email, you can email them directly at the address below.
Email: help@navi.com or grievance@navi.com
Conclusion:
The Navi application is registered with the RBI and follows its guidelines. It is a legitimate platform for financial services, though. Reading the positive and negative feedback from users is essential before proceeding with the personal loan application.
PhonePe Personal Loan 2026: Eligibility, Application Process, and Instant Approval
