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Navi Personal Loan

Navi Finserv Ltd. (Navi) offers personal/cash loans with interest rates going up to 26% p.a., based on eligibility. With a loan tenure that extends up to 7 years, Navi provides a fully digitalized loan application process, enabling quick loan disbursal and a smooth experience. You can avail of the instant Navi personal loan on the Navi app or their official website.
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Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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100% Paperless Process

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Highest Approval Chances

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End-to-End Expert Assistance

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Minimal Documentation

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Apply Now

About Navi Personal Loan

  • Applicants can avail a personal loan from Navi Finserv at competitive interest rates to meet varying personal financial needs.
  • Consumers applying via Paisabazaar experience an easy digital loan process and end-to-end expert assistance.
  • Navi personal loans require minimal documentation and are disbursed quickly.
  • These personal loans come with repayment terms and require no collateral.
  • Navi personal loans have no hidden charges and zero foreclosure penalty.

Navi Personal Loan (Cash Loan) Highlights

  • Interest Rate: Up to 29.96% p.a.
  • Loan Amount: Up to Rs. 20 Lakh
  • Repayment Tenure: Up to 7 years
  • Foreclosing Fees & Processing Fees: Nil
  • Mode: Digital, entirely paperless
  • Disbursal Time: Instant

Eligibility Criteria for Navi Personal Loan

To qualify for Navi’s personal loan or cash loan, you must meet the following requirements:

  • You must be an Indian citizen aged between 18 and 65 years.
  • Your annual income should be greater than Rs 3 lakhs, applicable for both salaried and self-employed individuals.
  • Your credit score must be over 750.

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Documents Needed for Personal Loan Application

When applying for a personal loan with Navi, you’ll be required to present several essential documents to confirm your identity, residence, and financial status. Here’s an exhaustive list:

Loan Application Form

  • A properly completed personal loan application form
  • Recent passport-sized photograph

Identity Proof (Any one)

  • Aadhaar Card
  • Passport
  • Driving License

Address Proof (AnyOne)

  • Rental Agreement
  • Utility Bills (Electricity, Water, Gas)
  • Voter ID Card

Income Proof

  • Bank Statements (Last 3 to 6 months)
  • Salary Slips (Last 3 to 6 months)
  • ITR (Income Tax Returns) documents

Pro Tip:

Keeping these documents handy can facilitate immediate approval and swift loan disbursement, particularly when applying via digital loan applications like Navi.

Also Read: Documents Required for a Personal Loan

How to Apply for a Navi Cash Loan:

To apply for an instant personal loan/cash loan from Navi,

  • Start by downloading the Navi app from either the Google Play Store or the App Store.
  • Sign up using your mobile number and fill in your profile with essential information such as your PAN and Aadhaar details.
  • Select the loan amount you wish to apply for and the repayment duration.
  • Then finish the e-KYC process by taking a quick selfie and verifying your Aadhaar.

Once your application is approved, the loan amount will be transferred directly to your bank account instantly.

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Apply Now

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
All Your Needs

FAQs

What is Navi Instant Personal Loan eligibility

To qualify for a Navi personal loan, you need to be an Indian citizen aged between 18 and 65 with a minimum annual income of ₹3 lakh. Additionally, a CIBIL score of 750 or above is necessary

How to apply for a Navi Personal Loan

Get the Navi app, sign up using your mobile number, and provide essential information such as your PAN and Aadhaar. Choose your desired loan amount and duration, finish the e-KYC process, and receive immediate disbursement

Is Navi personal loan safe

Yes, Navi personal loans are completely safe and regulated. Navi is RBI approved

What is the interest rate of a Navi personal loan

Navi’s personal loan interest rates (cash loans) go up to 29.96% p.a. Nevertheless, the specific interest rate for your loan will be determined by various factors, including your age, monthly income, job position, credit score, repayment history, and others

Is Navi good for personal loans?

Indeed, Navi is a solid choice for personal loans as it provides a fully digital loan application process with instant disbursement. This ensures a seamless and error-free experience for you. Additionally, it offers competitive interest rates, allowing you to find the most suitable deal based on your needs and eligibility

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026
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