Navi, your all-in-one financial super-app designed for diverse financial needs, offers a range of services for your convenience. From lightning-fast UPI payments to smart investments in mutual funds and gold, quick cash loans, reliable health insurance coverage, and effortless home loans, Navi has you covered. Download the Navi app and unlock a world of possibilities for your financial well-being.
1. Navi UPI
Simplify money transfers with Navi UPI (NPCI Approved).
Navi UPI Features:
• Instantly transfer money to anyone, anytime.
• Pay bills and recharge online.
• Conveniently scan and pay at any store.
• Seamlessly make online payments on various apps.
• Enjoy hassle-free payments with Navi UPI Lite, no PIN is required.
2. Investments
Discover diverse investment opportunities with mutual funds and digital gold.
Navi Mutual Fund Features:
• Diversify with Direct Index Funds for better growth.
• Flexible SIP options: daily, weekly, or monthly.
• Zero commission & one of the lowest expense ratios for cost-effective investing.
• Fastest redemption order payout in the industry.
• Invest till 3 PM and get the same-day NAV for better returns.
• Investments start with just ₹100.
Remember, mutual fund investments are subject to market risks; read all scheme-related documents carefully.
Navi Gold Features:
• 24K Digital Gold.
• 99.9% purity.
• Investments start with just ₹50.
3. Navi Health Insurance
Safeguard yourself and your family's financial future with Navi Health Insurance.
Navi Health Insurance Features:
• Coverage up to ₹3 crore.
• Health insurance premiums starting at just ₹413* per month.
• Experience quality healthcare at over 12,000+ network hospitals*.
• Cashless claim settlement within 20 minutes*.
• Benefit from 100% coverage* of hospital bills through a paperless process.
4. Navi Finserv Cash Loan
Access instant cash loans of up to ₹20 lakh.
Navi Finserv Cash Loan features:
• Enjoy competitive interest rates from 12% to 29.96% per annum.
• Choose from flexible loan tenures ranging from 1 to 84 months.
• Experience a fully digital loan process with instant fund transfer to your bank account.
• Qualify with a minimum household income of ₹3 lakh per annum.
Example of how a Navi Finserv Cash Loan works:
Loan Amount = ₹30,000
ROI = 18%
EMI = ₹2,750
Total Interest Payable = ₹2,750 x 12 months - ₹30,000 = ₹3,000
Total Amount Payable = ₹2,750 x 12 months = ₹33,000
*Note: These numbers are for representation purposes only. Final APR will depend on the customer's credit assessment.
*APR (Annual Percentage Rate) is the total cost you will pay for borrowing money over a year. It includes the interest rate plus any fees charged by the lender. APR gives you a clear picture of how much a loan will really cost you.
5. Navi Home Loan
Book that dream home with home loans up to ₹5 crore with flexible EMI options and a sanction offer letter within 5 minutes.
Navi Home Loan Features:
• Loan Amount up to ₹5 crore.
• Interest Rate up to 13%.
• Loan Tenure up to 30 years.
• Zero Processing Fees.
• Up to 90% LTV.
• Navi Home Loan is available in Bengaluru, Chennai & Hyderabad.
6. Referral Program
Discover endless rewards with Navi's referral program! Share the Navi app with friends and family, and unlock exclusive rewards for every successful referral.
About Navi:
• Navi app is developed & owned by Navi Technologies Limited, founded by Sachin Bansal and Ankit Agarwal, in December 2018.
• 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, registered with the IRDAI as a general insurer.
• Navi Mutual Fund, registered with the SEBI, offers multiple mutual fund schemes to investors.
• Navi UPI is NPCI approved.
The App is only available for Indian residents and does not provide its services to non-resident Indians, overseas citizens of India, or foreign nationals.
I’m a customer of SBI bank from at least 15 years ,have credit card of SBI doing enough transaction every month but when I ask for loan of 1lakh bank manager look at me that I asked for 1 crore .he tell for loan I must have salary account but I’m in business and I give Salaries to my staffs but I’m not egible for loan because I don’t have a current account in their bank so I will have to a current account run it properly for 3 months then manager will think about my loan and also he will visit my shop and then he will see whether I’m eligible for a loan of only 1lakh .my friend told me about this app a guy come to my shop and within 10 minutes I got 95 thousand without any problems.I thanks to this app and the guy who helped me when my bank refused Thanks for help
Developer Response
We appreciate you taking out the time to give your feedback, Niraj. We are delighted you had a great experience with us.
Calling people from phonebook and harrasing
Harassment and hacked data
Hello All, I took a personal loan from Navi and i failed to make the payment on time twice or thrice within 1 year and they started calling people from my phonebook and harassing them as well then again I reached out to the support team of Navi stating, ”please stop this illegal activity” so they said, your information is saved with us and we only contact people from your reference and honestly I did not give any reference. Any which ways they are not doing any favour on me. They are charging high interest everyday for delaying the payment without waiving off the penalty charges and i don’t understand that why they are calling people and letting everyone know about the loan after all I am making the payment. They are doing this illegal activity by themselves also shared phone contacts with few collection agencies and they are also calling people from my phonebook which is illegal and soon i am going to sue them for the same and I have all the proofs with me. My advice for all the people:- If you will make the payment on time that’s well and good and if by any chance you will delay the payment by 4-5 days due to any personal problem then they will not listen to it and they don’t care about it and they will start harassing people from your phonebook and they will let everybody know about your loan one by one. Because of this app, once I thought that i will commit suicide but thanks to few people who saved my life and guided me to deal with them legally.
Developer Response
This is certainly not the kind of experience we’d like you to have. Our collection executives have been appropriately trained not to engage in any coercive behavior under any circumstances. Our team will investigate this. Please reach out to us by sharing a few details via the following link https://bit.ly/3Ikwfmy so that we can assist you accordingly.
This app should be banned as it is involved in illegal activities of debt recovery agencies
rekhachauhan03
So i have took a personal loan from this app in which they are charging approx 1.75lakh interest for 48months. I had paid 25 EMIs on time but i have failed to pay the 26th emi due to fund issues and i have also conveyed the same to their executives but they are misbehaving me, harrassing and torturing me to get the emi money and illegally collecting the debt money. And no one share their agency name and their real name. They are just playing with RBI rules nd guidelines and one of the executive has suggest me to do suicide if I don’t pay the EMI. And threatened me that if I don’t pay it right now then they will share my personal information like adhaar, pan and picture with my family member. And when i told them to meet in person at my office’s address or somewhere else as i was not at home or i was not comfortable then still they forced me to meet a home and said if u are home or not we will visit to see if u will not be there then we will ask from your neighbours. The behaviour of their agents are pathetic they don’t know how to talk to the customers snd they never authenticate themselves like they are doing some fraud or illegal work. After that experience I really want to get this app should bhi banned in India. As due to their illegal recovery and wrong practice of debt recovery many people would have committed suicide as im also going through from this phase. Thanks
Developer Response
Rekha, our executives are appropriately trained not to engage in any coercive behavior under any circumstances. Our team will investigate this. Could you please reach out to us via https://bit.ly/3Ikwfmy so we can assist you accordingly?
Greatest | Simplest | Super Features
Belikeabhishek
This is truly a great application for payments. I’m absolutely in love with it. The interface is simple, the rewards are amazing, and the self-transfer feature works seamlessly without confusing users. As a software developer myself, I genuinely appreciate the effort, vision, and hard work you have put into building this.Thank you for creating such a smooth experience. I had struggled with other confusing apps before, but this one has been a real game changer for me and millions of others. My only request is please do not discontinue the rewards feature. Many companies have taken that path and it is disappointing. Please continue keeping this feature alive as it truly sets your app apart.
Developer Response
Hi, thank you so much for your continued support—it truly inspires us to keep improving and delivering the best for you.
It’s IPL season - time to hit it out of the park!
We’ve polished performance, fixed a few no-balls, and made your Navi experience smoother than a straight drive.
Sit back, enjoy the match, and let us handle the rest.
- Team Navi
Version 4.1.5
The developer, Navi Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Location
Data Linked to You
The following data may be collected and linked to your identity:
Health & Fitness
Purchases
Financial Info
Contact Info
User Content
Identifiers
Usage Data
Diagnostics
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Location
Contacts
User Content
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
