Navi: Loans & Health Insurance App

Navi: Loans & Health Insurance App: 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.

Navi: Loans & Health Insurance App

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?

  1. Get the Navi app
  2. Enter your details & check the eligibility
  3. Enter the loan amount & select the tenure
  4. Complete your video KYC using PAN & Aadhaar
  5. Add your bank account, set auto-pay & get instant cash in your account

Example of 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

Home Loan

Navi Home Loan app offers loans up to ₹5 Crore at attractive interest rates starting at 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 a provisional loan sanction letter

Navi Home Loan is available in Mumbai, Bengaluru, Hyderabad, Chennai, Delhi NCR, Pune, and Mysore.

Download Navi Loan App

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 are 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

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 a direct plan.


About Navi

Navi app is developed & owned by Navi Technologies Limited founded in December 2018 by Sachin Bansal and Ankit Agarwal, with the 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.