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Navi Home Loan

Home Home Loan Navi Home Loan

Navi Finserv (Navi) offers home loans at an interest rate of up to 13% p.a. for tenures of up to 30 years and for loan amounts of up to Rs 5 crore. Borrowers can avail the instant home loan through Navi app with zero processing fees. The loan processing is entirely paperless, based on PAN and basic details.

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Updated: 10-09-2025 13:06:59 PM

Disclaimer: Navi Finserv is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Navi Finserv for home loans. No offers/services from Navi Finserv are being provided by Paisabazaar for home loans. For further information about Navi Finserv for home loans, users are required to reach out directly to Navi Finserv.

Navi Home Loan Highlights
Interest Rate Up to 13% p.a.
Loan Amount Up to Rs 5 crore
LTV Ratio Up to 90%
Loan Tenure Up to 30 years
Processing Fees NIL

Note: Rates as of 10 September 2025

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Navi Home Loan Interest Rates

The interest rates for Navi home loan is up to 13% p.a. The final home loan interest rate offered to the applicants depending on age, monthly income, job profile, credit score, loan repayment history, employer’s income, etc.

Compare Navi Finserv Home Loan Interest Rates vs Other Lenders

Name of LenderLoans of Up to Rs. 30 Lakh
Bank of India7.10% p.a. onwardsCheck Eligibility
State Bank of India7.25% p.a. onwardsCheck Eligibility
Punjab National Bank7.20% p.a. onwardsCheck Eligibility
Canara Bank7.15% p.a. onwardsCheck Eligibility
HDFC Bank7.90% p.a. onwardsCheck Eligibility
Bajaj Housing Finance7.40% p.a. onwardsCheck Eligibility
ICICI Bank7.65% p.a. onwardsCheck Eligibility
Axis Bank*8.25% p.a. onwardsCheck Eligibility
Federal Bank*7.90% p.a. onwardsCheck Eligibility
Kotak Mahindra Bank7.70% p.a. onwardsCheck Eligibility
IDFC FIRST Bank8.85% p.a. onwardsCheck Eligibility
IDBI Bank7.35% p.a. onwardsCheck Eligibility
RBL Bank8.20% p.a. onwardsCheck Eligibility
Tata Capital Housing Finance7.75% p.a. onwardsCheck Eligibility
PNB Housing Finance*7.20% p.a. onwardsCheck Eligibility
Sammaan Capital
(Formerly known as Indiabulls Housing Finance)		8.75% p.a. onwardsCheck Eligibility
India Shelter Home Loan8.43% p.a. onwardsCheck Eligibility
L&T Finance Limited*8.40% p.a. onwardsCheck Eligibility
Godrej Housing Finance7.75% p.a. onwardsCheck Eligibility
Home First Finance8.00% p.a. onwardsCheck Eligibility
Easy Home Finance8.99% p.a. onwardsCheck Eligibility
Piramal Capital Housing Finance*8.25% p.a. onwardsCheck Eligibility
Shubham Housing Finance10.45% p.a. onwardsCheck Eligibility
Punjab & Sind Bank7.30% p.a. onwardsCheck Eligibility
Jio Housing Finance8.20% p.a. onwardsCheck Eligibility
HDFC Sales Pvt Ltd7.90% p.a. onwardsCheck Eligibility

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Navi Home Loan Fees & Charges

Processing Fees & Other Charges

Particulars Charges
Processing Fee NIL
Legal and Valuation Charges NIL
Login Fees NIL
Administrative Fee NIL
Loan Cancellation Charges NIL
EMI Bounce Charges NIL
Pre-payment, Foreclosure – Fixed Rate home loan NIL
Rate Change- Reduction in Floating Rate (same product variant) NIL
Rate Change – Switch between different product variants (for instance, floating external linked to floating internal linked) NIL

EMI Penal Charges (for delayed payment)

Particulars Charges
Till 7th day of the due date NIL
8th day of the due date 0.5% of the amount of EMI overdue
15th day of the due date Additional 0.5% of the amount of EMI overdue
22nd day of the due date Additional 0.5% of the amount of EMI overdue

Eligibility Criteria for Navi Home Loan

Stated below are the home loan eligibility criteria for instant approval for a loan at Navi Finserv:-

  • Indian Resident
  • Salaried Individuals
  • Age: 22-62 years
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Documents Required for Navi Home Loan

The following documents are required to apply for a home loan from Navi Finserv:

  • PAN Card
  • Aadhaar Card
  • Bank Statements or GST Returns

Navi Home Loan EMI Calculator

Home Loan EMI Calculator
₹
%
Year(s)
Home Loan EMI Calculator

Monthly EMI ₹ 15,622

Total Amount Payble ₹ 5,62,395(Principal + interest)

Principal Amount ₹ 5,00,000

Total Interest Payble ₹ 62,395

 

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