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Navi Personal Loan

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Wide Choice

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Quick Disbursal

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SmartMatch

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Digital Process

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4.2/5

2839 Reviews

51M+Satisfied Customers
65+Lending Partners
800+Cities across India

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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 Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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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

Navi Personal Loan (Cash Loan) Highlights

  • Interest Rate: Up to 26% p.a.
  • Loan Amount: Up to Rs 20 Lakhs
  • 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.

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

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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

Explore Our Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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All Your Needs

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FAQs

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

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

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

Navi’s personal loan interest rates (cash loans) go up to 26% 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

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

Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

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Mohit YadavDec 3, 2025

Fully Digital Process for Real.

Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

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Gautam BakshiDec 3, 2025

Lower Rate than My Own Bank

Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

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Shivani SuryaDec 3, 2025

Pre-approved offers with quick approval

I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

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Suraj VermaDec 3, 2025

Same day approval. wow.

The loan was approved the same day — super smooth and transparent process.

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Shiv KumarDec 3, 2025

Multiple offers in Minutes

Paisabazaar helped me compare multiple loan offers in minutes, and I got the best rate without any paperwork.

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Ankita BajajDec 3, 2025

Itna Badhiya Rate and Service Hai!

Apke yaha itna acha interest rate mil gya market mei sabse kum and service toh aur bhi achi h. thank you.

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Mohit SinghDec 2, 2025

Best Interest Rate Offer

Got the best interest rate on your website. Best assistance and seamless experience.

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Aniket SinghDec 2, 2025

Best Marketplace to Shop for Loans

Your website is the best to apply for a personal loan. Got my loan disbursed within 3 days. So easy and hassle-free.

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Nikita SharmaDec 2, 2025

Fast loan approval

I got my loan approved within 24 hours. The process was fast, transparent, and reliable, exactly what I was looking for.

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Pragati ShuklaDec 2, 2025
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