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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 personal loans. No offers/services from Navi Finserv are being provided by Paisabazaar for personal loans. For further information about Navi Finserv for personal loans, users are required to reach out directly to Navi Finserv.
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Navi Personal Loan (Cash Loan) Highlights |
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| Interest Rate | Up to 26% p.a. |
| Loan Amount | Up to Rs 20 lakhs |
| Loan Tenure | Up to 7 years |
| Foreclosure Fees & Processing Fees | Nil |
Note: Rates as of 2 April 2025
Navi Personal Loan/Cash Loan Interest Rates
Navi provides personal loans (cash loans) with interest rates of up to 26% p.a. The final personal loan interest rates offered to the applicants depend upon age, monthly income, job profile, employer’s income, credit score, loan repayment history, etc.
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HDFC Bank
Up to ₹40L
10.9% - 24%
Upto 6 Years
₹6,500
Axis Bank
Up to ₹10L
11.25% - 22%
Upto 5 Years
Upto 2%
Kotak Mahindra Bank
Up to ₹35L
10.99% - 16.9%
Upto 6 Years
Upto 5%
IDFC FIRST Bank
Up to ₹10L
10.7% - 23.99%
Upto 5 Years
Upto 2%
ICICI Bank
Up to ₹50L
10.85% - 16.65%
1-6 Years
Upto 2%
*Applicable for selected customers
Personal 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
Eligibility Criteria for Navi Personal Loan
Personal loan applicants should meet the below eligibility criteria to avail cash loan from Navi Finserv:
- Indian Citizen Age: 18 to 65 years
- Income criteria: Annual income above Rs 3 lakhs for both salaried and self-employed applicants
- CIBIL score should be above 750
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Navi Personal Loan Processing Fees & Charges
Navi Finserv has not disclosed the prepayment or foreclosure charges for personal loans. Hence, borrowers should contact the lender about these charges before foreclosing the loan.
Documents Required for Navi Personal Loan
Stated below are the documents required for availing personal loan or cash loan from Navi Finserv:
- PAN Card
- Aadhaar Card
FAQ’s on Navi Personal Loan
What is the interest rate of Navi personal loan?
The interest rates on Navi Finserv personal/cash loans are up to 26% p.a.
How to apply for personal loan from Navi Finserv?
Prospective borrowers can download Navi App to apply for personal loan or cash loan. Navi App is available both on the Google Play Store and App Store for Android users and iPhone users, respectively.
Is Navi finserv good for personal loan
Navi Finserv Ltd. is an RBI registered Systemically Important Non-Deposit Taking NBFC (ND-SI). Hence, applicants can consider Navi for availing personal loans. However, such individuals should also visit online financial marketplaces like paisabazaar.com to check and compare personal loan interest rates and other loan features offered by other banks and NBFCs.
What is the interest rate of Rs 50,000 personal loan in Navi?
The interest rate on a Rs 50,000 personal loan from Navi Finserv can be up to 26% p.a., depending on the loan applicant’s credit profile.
How to foreclose Navi personal loan?
Borrowers can foreclose their Navi personal loan through the Navi App. However, foreclosure is not allowed within the first 3 days (cooling off period) from the date of loan disbursement.