Apply for Instant Cash Loan, Home Loan, Health Insurance & Invest in Mutual Fund
1. Cash Loan
Get an Instant Loan up to ₹20 Lakh with the Navi Cash Loan app. Our APR varies from 9.9% to 45%* & you can choose a wide range of repayment options starting from 3 to 72 months.
Personal/Cash Loan Features & Benefits
✅ Loan Amount: Up to ₹20 Lakh
✅ Interest Rate: Starting from 9.9% – 45% p.a
✅ Loan Tenure: 3 to 72 Months
✅ 100% digital process
✅ Instant money transfer in your bank account
✅ Minimum household income: ₹3,00,000 p.a
❌ No security deposit
How to apply for an Instant Loan?
– Download the Navi app
– Enter your details & check the eligibility
– Enter the loan amount & select the tenure
– Complete your video KYC using PAN & Aadhaar
– Add your bank account, set auto-pay & get instant cash in your account
Example of How Navi Personal/Cash 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
*Note: These numbers are for representation purpose only. Final interest rate & APR will depend on customer’s credit assessment
2. Home Loan
Navi Home Loan app offers loan up to ₹5 Crore at an attractive interest rate starting at 8.39% p.a with flexible EMI options
Home Loan Features & Benefits
✅ Loan Amount: Up to ₹5 Crore
✅ Interest Rate: Starting from 8.39% p.a
✅ Loan Tenure: Up to 30 Years
✅ Zero Processing Fees
✅ 100% paperless application process
How to apply for a Housing Loan?
– Download the Navi app
– Enter your personal & employment details
– Complete your KYC with PAN, Aadhaar & bank statements
– Get financial 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 helps secure your family’s future with up to ₹1 crore cover
Health Insurance Feature & Benefits
✅ Cover up to ₹1 crore
✅ Premium starts at ₹235/month
✅ 10,000+ network hospitals with cashless claims
✅ 100% paperless process
✅ Insurance top-up & porting facilities available
How to buy Navi Health Insurance?
– Download the Navi app
– Get an instant quote
– Pay your premium & get access to your policy documents
How to claim Health Insurance?
– 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, & various active schemes.
Navi Mutual Fund Feature & Benefits
✅ Low expense ratio
✅ Diversification
✅ Start investing with as low as ₹10
How to invest in Navi Mutual Fund?
– Download the Navi app
– Select a Mutual Fund
– Complete your KYC
– Select SIP or Lump Sum
– Enter the investment amount & start investing!
*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 the objective to simplify finance for a billion people.
The Cash & 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.