Navi Personal Loan Apply Online

Navi Personal Loan Apply Online- Get Up To 20 Lakh

Navi is a popular digital personal loan that is operated by Navi Finserv. You can apply for a Navi personal loan of up to 20 lakhs with 72 months’ of tenure. Interest rate starts from 9.9% to 45% per annum.

This is a 100% digital loan process and you will get the loan amount within 48 hours of loan approval. Let’s start the process of Navi Personal Loan Apply Online.

Navi Personal Loan Quick Recap

Loan AmountUp To 20 Lakh
Interest Rate9.9% to 45% p.a.
Loan Term3 to 72 month
Customer Age 21 yr -65 yr.
Income Rs. 15,000 per month
Processing FeesUp to 3% of the loan amount
Eligibile ApplicantSelf-Employed / Salaried Person

Also Read: Fi Money Personal Loan

Benefits of Navi Personal Loan

Fully Digital: Navi offers 100% digital personal loans. The entire process is online. You can apply for a Navi loan without going anywhere.

Minimum Documents: You can apply for a loan with basic KYC documents. Just an Aadhaar Card and a Pan Card will be required to get the loan.

Instant Disburse: You don’t have to wait for long days. Just get the loan within 24 hours of loan approval. After fulfillment eligibility, the loan will credit your account instantly.

Flexible EMI: Navi offers a flexible EMI facility from 3 months to 6 years. Choose repayment tenure that is flexible for you.

Collateral Free: Getting a personal loan that is fully collateral-free means you don’t require any guarantor. Navi provides collateral-free personal loans.

Lower Interest rate: Interest rate starts from 9.9% to 45% per annum. Navi provides a lower interest rate for you.

Also Read: Upward Personal Loan

Navi Loan Interest Rate, Fees & Charges

Interest rate9.9% to 45% per year
Processing FeeUp To 3% + GST
Late Payment FeeApplicable
Minimum Loan Tenure3 month
Pre-close ChargeZero
Maximum Loan Tenure62 month

Navi Loan Eligibility Criteria

Fulfill the basic eligibility criteria to get the loan:

  • Age required 21 years to 65 years.
  • Salaried or Self Employed required
  • The credit score must be Good (720+)
  • Minimum Income required Rs. 15,000 per month

Documents Required for Navi Personal Loan

  • Pan Card
  • Aadhaar Card
  • Active Bank Account
  • Selfie of the Applicant

How to Apply for a Navi Loan

Follow the step-by-step process to apply for Navi Personal Loan:

Step 1: Click the “Apply Navi Loan” button to begin the process.

Step 2: Now install the Navi app and open it.

Step 3: Verify mobile number through OTP.

Step 4: Enter the basic details to check loan eligibility.

Step 5: Complete the KYC verification process.

Step 6: Now, Navi will check your loan eligibility.

Step 7: Once your loan application is approved, the Borrower will need to link your bank account to complete the e-mandate process.

Step 8: Now get the loan amount to your bank account.

Navi Loan Customer Care

Navi does not provide any customer care number. But you can send an Email for any queries.

Email Id: [email protected]

Office Address:

Navi Technologies Pvt Limited, 3rd Floor, Salarpuria Business Center  93, 5th A Block, Koramangala, Bangalore  Pin-560095.

FAQs on Navi Loan

  1. How much loan can I get through Navi?

    Navi provides up to 20 lakh loans without any guarantor. After checking, your eligibility, get the loan offer.

  2. How much CIBIL Score required to get the loan?

    You will require a 720 + CIBIL Score to get the approval.

  3. Can I get the loan without income proof?

    You can apply for a Navi personal loan without income proof. Just you will require a good CIBIL score, PAN card & Aadhaar Card to get the loan.

  4. Can I foreclose the loan amount?

    You can foreclose the loan amount after one EMI payment.

  5. My Aadhaar Card is not linked to my mobile number. Can I apply for a Navi Loan?

    Before applying for a Navi Loan, you will require an Aadhaar Linked mobile number for the KYC verification process.

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