Navi: Loans & Health Insurance

1. Personal Loan

Get an Instant Loan up to ₹20 Lakh with the Navi Personal Loan app, Our Annual Interest Rate (APR) varies from 9% to 45%* and you can choose a wide range of repayment options starting from 6 to 72 months with the processing fee upto ₹7500

Personal Loan Feature & Benefits

✅Loan Amount – Up to ₹20 Lakh
✅Interest Rate – Starting from 9.9% – 45% p.a
✅Flexible EMI Options – Up to 72 Months
✅100% digital process
✅Instant money transfer in your bank account

❌No security deposit

How to apply for an Instant Loan?

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

Example on How Navi Personal 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

2. Home Loan

Navi Home Loan app offers loan up to ₹5 Crore at an attractive interest rates starting of 7.39% p.a with flexible EMI options

Home Loan Features & Benefits

✅Loan Amount – Up to ₹5 Crore
✅Interest Rate – Starting from 7.39% p.a
✅Flexible EMI Options – Up to 30 Years
✅Processing Fee – Zero
✅100% paperless application process

How to apply for a Housing Loan?

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

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

3. Health Insurance

Navi Health Insurance app provides a comprehensive insurance plan which help secure your family’s future with up to ₹1 crore* cover

Health Insurance Feature & Benefits

✅Cover up to ₹1 crore*
✅Premiums start at Rs.235/month*
✅10,000+ network hospitals with Cashless claims
✅100% paperless process
✅Insurance top-up & porting facilities available

How to buy Navi Health Insurance?

Get the Navi app
Chat with our Insurance advisor & share the details
Get an instant quote based on your inputs
Pay your premium & get access to your policy documents

Hassle Free Claim Process

Select your admittance date & hospital
Upload all the documents on 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 India’s Top 50 Companies with funds such as: Navi Nifty 50 Index Fund, Navi Nasdaq 100 Fund of Fund, and various active schemes.

Navi Mutual Fund Feature & Benefits

✅Low expense ratio
✅Diversification
✅Start investing with as low as ₹500

How to invest in a Navi Mutual Fund?

Navi is listed on all the major online investment platforms such as Groww, INDmoney, Coin by Zerodha, Paytm Money, KUVERA, Kfintech, Orowealth, & others for investing under direct plan.

*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 an objective of simplifying finance for a billion people.

The Personal & 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 SEBI, offers mutual fund schemes to investors.

Reach out to us at:

For loan queries, email at [email protected]
For insurance queries, email at [email protected]
For mutual fund queries, email at [email protected]