Navi Loan – How to Get 20 Lakhs Instant Personal Loan with Navi – Best Online Loan India – Navi

Navi Personal Loan

Get paperless personal loan online up to Rs. 20 Lakhs through Navi personal loan app and repay in flexible tenure of up to 72 months. The interest rate for Navi personal loan starts from as low as 9.9% 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 Amount Rs. 10,000
Maximum Loan Amount Rs. 20 Lakhs
Tenure 3 to 72 months
Rate of Interest 9.9% to 36% p.a.
Processing Fee 3.99% to 6% of the loan amount
Collateral Not required
Foreclosure Charges Nil

Table of Contents: Navi Personal Loan

  • Navi Personal Loan Features
  • Navi Personal Loan Interest Rate
  • Navi Personal Loan Eligibility
  • Navi Personal Loan Document Required
  • How to Apply for Navi Loan?
  • Navi Personal Loan Contact Details

Navi Personal Loan Features

  • Get Navi instant personal loan up to Rs. 20 Lakh 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 9.9% p.a.
  • Flexible tenure up to 72 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 9.9% 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.

Additional Info: Compare Personal Loan Interest Rate All Bank

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 scoreThe 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.


Personal loan terms & features
✅ Up to ₹20,00,000
✅ Interest rates: 9.99% to 45% per annum
✅ Tenure: 3 to 72 months
✅ Instant money transfer to bank account
✅ 100% digital process
✅ Flexible loan and EMI options
✅ Minimum household income*: ₹3,00,000

❌ No pre closure charges
❌ No security deposit (collateral)

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

*Minimum household income is the aggregate income earned by you, your spouse and any of your unmarried children above the age of 18


Home loan terms & features
✅ Amount: Up to ₹10 Crore
✅ Interest Rate : Starting at 6.71% yearly
✅ Tenure: Up to 30 years
✅ Loan amount up to 90% of property value
✅ Instant loan offer
✅ Loans for under-construction, self-constructed and ready-to-move homes
✅ No application, legal, valuation or document handling fees

Operational Cities
Mumbai, Bengaluru, Delhi, Hyderabad, Chennai, Mysore, Pune

Get your health insured in 2 minutes with flexible monthly premium options starting at ₹241/month. Cover up to ₹1 crore. File claims from your phone – anytime, anywhere.

Health insurance terms & features
✅ Cashless claims in 20 minutes
✅ 10,000+ cashless network hospitals
✅ 97% claim settlement ratio
✅ 100% digital process

Registered & Corporate Office: Navi General Insurance Limited, Salarpuria Business Centre, 4th B Cross Road, 5th Block, Koramangala, Bengaluru, Karnataka – 560095
CIN: U66000MH2016PLC283275 | IRDAI Registration Number: 155


Check out Navi Mutual Fund’s schemes, including passive schemes like Navi Nifty 50 Index Fund, Navi Nifty Next 50 Index Fund, fund of fund schemes like Navi Nasdaq 100 Fund of Fund, Navi US Total Stock Market Fund of Fund, and various active schemes including an ELSS scheme i.e. Navi ELSS Tax Saver Fund.

Mutual Funds terms & features
✅ Minimal expense ratio
✅ Save tax with ELSS fund
✅ Support team to answer all questions over email or call


The Navi App is owned and developed by Navi Technologies Limited, and provides customers with simple, accessible and affordable financial services and products. Products available on the Navi App include Personal Loans, Housing Loans, Health Insurance and Mutual Funds.

The Personal and Home loans are provided by Navi Finserv Limited which is a Non-Deposit taking systemically important Non-Banking Financial Company registered and regulated by the RBI.

Health Insurance is offered by Navi General Insurance Limited, a company registered with the Insurance Regulatory and Development Authority of India as a general insurer.

Navi Mutual Fund, registered with Securities and Exchange Board of India, offers mutual fund schemes to investors.


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: [email protected]

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

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