Navi: UPI, Investments & Loans 4+

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 your portfolio with Domestic and International Funds.
• Investment starts with as low as ₹10 (except for ELSS tax saver index fund).
• Flexible investment options with weekly/monthly SIP.
• One of the Lowest expense ratios for affordable investing.

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

Navi Gold Features
• 24K Digital Gold
• 99.9% purity.
• Investment starts with just ₹1.

3. Navi Health Insurance
Safeguard yourself and your family's financial future with Navi Health Insurance.

• Coverage up to ₹1 crore.
• Health insurance premiums starting at just ₹235* per month.
• Experience quality healthcare at over 11,000+ network hospitals*.
• Cashless claim settlement within 20 minutes*.
• Benefit from 100% coverage* of hospital bills through a paperless process.

4. Navi Cash Loan
Access instant cash loans of up to ₹20 lakh through the Navi Cash Loan app.

Navi Cash Loan features
• Enjoy competitive interest rates starting from 9.9% to 45% per annum.
• Choose from flexible loan tenures ranging from 3 to 84 months.
• Experience a fully digital loan process with instant fund transfers to your bank account.
• Qualify with a minimum household income of ₹3,00,000 per annum.

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

*Note: These numbers are for representation purposes only. The final interest rate & APR will depend on the customer’s credit assessment.

5. Navi Home Loan
Book that dream home with home loans up to ₹5 crores with flexible EMI options and a sanction offer letter within 5 minutes on app*.

Navi Home Loan Features
• Loan Amount: Up to ₹5 Crore.
• Interest Rate: Starting from 8.45% to 18% per annum.
• Loan Tenure: Up to 30 Years*.
• Zero Processing Fees.
• 100% paperless application process. Up to 90% LTV
Navi Home Loan is available in Mumbai, Bengaluru, Hyderabad, Chennai, & Pune.

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 IRDA as a general insurer.
• Navi Mutual Fund, registered with the SEBI, offers multiple mutual fund schemes[1] to investors.
• Navi UPI is NPCI approved.