Navi Personal Loan (Cash Loan) Highlights | |
Interest Rate | 9.9%-45% p.a. |
Loan Amount | Up to Rs 20 lakhs |
Loan Tenure | Up to 6 years |
Preclosure Fees | Nil |
Note: Rates as of 20 March 2023
Navi Personal Loan (Cash Loan) Interest Rates
The interest rates of Navi personal loan start @ 9.9% p.a. The final interest rates offered to the applicants depend upon age, monthly income, job profile, employer’s income, credit score, loan repayment history, etc.
Minimum Interest Rate | 9.9% p.a. |
Maximum Interest Rate | 45% p.a. |

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Comparison of Personal Loan Interest Rates Offered by Top Lenders
Banks/NBFCs | Interest Rates(p.a.) | |
HDFC Bank | 10.50% onwards | Apply Now |
SBI | 11.00%-15.00% | |
ICICI Bank | 10.75% onwards | Apply Now |
Axis Bank | 10.49% onwards | Apply Now |
Kotak Mahindra Bank | 10.99% onwards | Apply Now |
IndusInd Bank | 10.49% onwards | Apply Now |
IDFC First Bank | 10.49% onwards | Apply Now |
Bajaj Finserv | 11.00% onwards | Apply Now |
Tata Capital | 10.99% onwards | Apply Now |
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
Navi Finserv has not clearly stated the eligibility criteria for its instant cash loan. However, lenders usually consider the following parameters for their personal loan applicants:
- Age: 21 to 65 years
- Minimum income: Usually Rs 15,000. However, many lenders have set minimum income criteria for personal loan applicants.

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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
- PAN Card
- Aadhaar Card
- Applicant’s selfie as a proof