Navi Loan App: Investments, Loans & UPI

Navi Loan App: Discover a new era of financial convenience with Navi, the ultimate superapp designed for your unique financial needs. Seamlessly explore a range of services, from smart investments in mutual funds and gold to quick cash loans, dependable health insurance coverage, and effortless home loans. Navi is here to simplify your financial journey, making it a breeze to take control of your future. Download the Navi app and unlock a world of possibilities for your financial well-being.

Navi Loan App

Investments in Mutual Funds and Gold

Invest in digital gold and a wide range of mutual funds, such as Navi Nifty 50 Index Fund, Navi Nasdaq 100 Fund of Fund, among various other passive and active schemes.

Navi Mutual Fund Features

  • Low expense ratio
  • Diversification with a range of Domestic and International Funds
  • Investment with as low as ₹10
  • Weekly/Monthly SIP options

Navi Gold Features

  • 24K Digital Gold
  • 99.9% purity
  • Lowest market price
  • Investment with as low as ₹1

Mutual fund investments are subject to market risks, read all scheme-related documents carefully.

Health Insurance

Navi Health Insurance app provides a comprehensive health insurance plan which helps secure your family’s financial future with up to ₹1 crore cover.

Health Insurance Feature & Benefits

  • Cover up to ₹1 crore
  • Premium starts at ₹235/month
  • 20 min cashless claim settlement at 10,000+ network hospitals
  • 100% hospital bill covered
  • 100% paperless process
  • Insurance top-up & porting facilities available

CIN: U66000MH2016PLC283275 | IRDAI Registration Number: 155

Cash Loans

Get an Instant Cash Loan of up to ₹20 Lakh with the Navi app. Our APR varies from 9.9% to 45%* & you can choose a wide range of repayment options starting from 3 to 48 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 48 Months
  • 100% digital process
  • Instant money transfer to your bank account
  • Minimum household income: ₹3,00,000 p.a

No security deposit

Example of How Navi Cash/Personal 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

Home Loans

Get up to ₹5 Crore loan at an attractive interest rate starting at 8.74% p.a with flexible EMI options on Navi Home Loan app

Home Loan Features:

  • Loan Amount: Up to ₹5 Crore
  • Interest Rate: Starting from 8.74% p.a.
  • Loan Tenure: Up to 30 Years
  • Zero Processing Fees
  • 100% paperless application process

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


Money transfers made simple with the newest UPI in town – Navi UPI (NPCI Approved). Make payments anytime, anywhere in just a few taps.

Navi UPI Features:

  • Instant money transfers
  • Guaranteed security
  • Reliable payments

About Navi

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

The Cash Loans and 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 the SEBI, offers multiple mutual fund schemes to investors.

Important link

Navi Loan AppView

Contact us:

  • Loan:
  • Insurance:
  • Mutual Fund:
  • Digital Gold:

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