Navi 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