Avail Instant Personal Loans ✓ Loan up to 50 Lakhs ✓ Quick Disbursal ✓ Minimum Documentation! Check Eligibility

A great way to tackle financial emergencies is to secure an instant personal loan from credible providers like Navi. This lending institution offers credit of up to ₹20 Lakhs at interest rates starting at just 9% p.a. Choose from repayment tenures ranging up to 4 years, and manage your finances effectively.

Interest Rates and Charges

Navi Personal Loan interest rates and associated charges are as follows:

Interest Rate

9% p.a. onwards

Processing Fee


Pre-closure Charges


*Disclaimer: The aforementioned interest rates and other charges are subject to constant change. Ensure to cross-check the data with the lender. 

Navi Personal Loan EMI Calculator

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Navi Personal Loan Features & Benefits

Zero Paperwork

Enjoy a 100% digital application process with the Navi Loan App, and save yourself from unnecessary paperwork.

Instant Disbursals

Funds are credited to your account within minutes of your application being approved.

Flexible Repayment

Choose from repayment tenures ranging up to 4 years.

Affordable Interest Rates

Enjoy low interest rates starting as low as 9% p.a.

Collateral-free Loan

You don't need to pledge a collateral or have a guarantor to apply for this loan.

Eligibility Criteria and Documents Required

Here’s the Navi Personal Loan Eligibility Criteria you should take into account when planning to apply for the loan:

  • Your age must be between 21 and 65 years

  • You must be either a salaried or self-employed applicant with a regular source of income

  • You must have a minimum annual income of more than ₹3 Lakhs

  • You must have a credit score of at least 750 to apply for the loan

Alongside the eligibility criteria, it is important to note the documents required. To get a Navi Personal Loan, the documents required are minimal and pertain mostly to the basic KYC procedures. As such, you are required to provide your PAN and Aadhaar card details. Once you provide these details and they have been verified, you can enjoy paperless loan applications. 

How to Apply?

Applying for a paperless personal loan on Navi is a simple and hassle-free process. Here are the steps you need to follow:

  • Visit the official website or download the Navi loan app from the Play Store or App Store.

  • Fill in basic details like your name, address, and PAN details to check your loan eligibility.

  • Select your preferred loan amount and repayment tenure.

  • Upload the necessary documents and complete your video-KYC process.

  • Set up auto-pay by submitting your bank details 

  • On approval, get the funds credited to your account instantly.


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Is the Navi loan app approved by the RBI?

Yes, the Navi loan app is approved by the RBI. Navi is a digital lending platform that provides personal loans to eligible borrowers. The platform is regulated by the Reserve Bank of India (RBI) and follows all the guidelines and regulations set by the central bank.

Can I take a loan from the Navi app?

Yes, you can apply for a loan from the Navi app. It offers paperless personal loans that can be secured through its app or website. In addition, the loan application process is quick and hassle-free, making it a convenient option for those needing funds.

Can I make a partial payment on the Navi loan?

Yes, Navi allows part payments on its personal loans without having to pay any additional penalties. You can make part payments by logging into your Navi account and choosing the part payment option.

Can I foreclose my Navi loan?

Yes, you can foreclose your Navi loan anytime by paying the outstanding loan amount. In addition, Navi does not charge any foreclosure penalty or charges for prepaying the loan.

Is Navi a good option for a personal loan?

Yes, Navi offers instant personal loans with amounts of up to ₹40 Lakhs and tenures ranging up to 4 years. These are available at affordable interest rates starting from just 9.90% p.a. To secure this loan from Navi, you do not have to pay any processing fee.

What is the minimum and maximum amount I can borrow with the personal loan offered by Navi?

You can get an instant cash loan of amounts ranging from ₹5,000 to ₹20 Lakhs.

How to repay my Navi Personal Loan?

Repay your personal loan from Navi by connecting your bank account via the Navi App and establishing an e-Mandate. Through this, the EMI amount will automatically be deducted from your bank account on a designated date every month.

What are Navi Personal Loan customer care details?

You can reach out to the Navi’s customer care team through the following points of contact:

Do I need to provide any security or collateral when applying for a personal loan from Navi?

No, it is not mandatory to submit a collateral to secure an instant personal loan from Navi.

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