Navi Loans & Health Insurance 4+

Instant & Paperless Process


    • Free

iPhone Screenshots


1. Cash Loan

Get an Instant Loan up to ₹20 Lakh with the Navi Cash Loan app, Our interest rate varies from 9.9% to 36% p.a, 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% - 36% p.a
● Loan Tenure: 3 to 72 Months
● 100% digital process
● Instant money transfer in your bank account
● Minimum household income: ₹3,00,000 p.a
● 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 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

2. Home Loan

Navi Home Loan app offers loan up to ₹5 Crore at an attractive interest rate starting at 8.39% p.a with flexible EMI options

Home Loan Features & Benefits

● Loan Amount: Up to ₹5 Crore
● Interest Rate: Starting from 8.39% p.a
● Loan Tenure: Up to 30 Years
● Zero Processing Fees
● 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 financial 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 helps secure your family’s future with up to ₹1 crore cover

Health Insurance Feature & Benefits

● Cover up to ₹1 crore
● Premium starts at ₹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 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 to simplify 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.

Reach out to us at:
For loan queries, email at
For insurance queries, email at
For mutual fund queries, email at

What’s New

Version 2.2.5

Bug fixes and improvements

Ratings and Reviews

4.5 out of 5
12.5K Ratings

12.5K Ratings

Niraj Mobile Repairs ,

Best app for instant loan

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.

Nancy Agrawal ,

Home Loan

I recently availed a home loan from Navi. To put in few words, I have had an amazing experience partnering with the team. This being my first ever loan, was quite worried if I was taking the right decision, but the teams and especially Mr. Vaibhav Bhagat’s assurance only let me move forward. The application process is paperless and seamless. The review/ assessment of the application is quick and the team does not whine about any issues but find out a way to get the job done. It felt like the team wanted more than I did, a house to myself. They are very supportive of young professionals/ entrepreneurs naturally because they themselves are a team of young professionals. I would highly recommend Navi for your home loan requirements. Thanks Navi Team

Developer Response ,

Delighted to hear this from you. Your admiration will help us flourish and serve better.

Sagnika ,

big banner ads

You Give big banner advertisements, but you are nothing. I have been trying to get loan since 5months after closure. But no luck. I have no idea what is the issue. And if you tell payment credit. Did anyone spoke to me why the nach failed. I already changed salary bank for same reason. I have some issues with that bank. Due to blockage my emi were getting nach failed. No. U guys dont have time to speak to customers but u have time to keep fooling people because u need to show that u have good app download range. But no loans yet
. Pathetic con people

Developer Response ,

Hi Sagnika, we regret the inconvenience caused to you. We would like to investigate your issue. Please share your contact details with us at so that we can resolve the issue.

App Privacy

The developer, NAVI TECHNOLOGIES PRIVATE 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:

  • Location
  • Contacts
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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