Instant Cash Loans, Home Loans and Health Insurance
1. Cash Loan
Get an Instant Loan up to ₹20 Lakh with the Navi Cash Loan app, Our Annual Interest Rate (APR) varies from 9.9% to 45%* and you can choose a wide range of repayment options starting from 3 to 72 months.
Cash Loan Feature & 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
❌ No security deposit
How to apply for an Instant Loan?
- Get 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 on How Navi 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
2. Home Loan
Navi Home Loan app offers loan up to ₹5 Crore at an attractive interest rates starting of 7.89% p.a with flexible EMI options
Home Loan Features & Benefits
✅ Loan Amount: Up to ₹5 Crore
✅ Interest Rate: Starting from 7.89% p.a
✅ Loan Tenure: 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 advisor & share the details
- Get an instant quote based on your inputs
- 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, 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 & 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 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
Navi Loans and Health Insurance
Instant Cash Loans, Home Loans and Health Insurance
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