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Navi Personal Loan: Apply for Personal Loans with Ease

Navi Personal Loan: Apply for Personal Loans with Ease

Mar 12, 2024

Are you a young professional looking for personal loans? Or are you looking for instant loans to fund your startups? Well, if yes, hold on. You are on a perfect page. In this blog, we will talk about one of the platforms that offers personal loans to users at their convenience. This blog is all about Navi Personal Loan. Moreover, we will discuss about it in deep. We will talk about what is it, how it works, who can get loans and our verdict in the end. We will provide you with the best possible info available to us. Thus, this blog is going to be very informative and helpful for you if you are a young achiever looking for immediate funds. So, let’s not waste more time. We have a lot to cover about the same. So, stay tuned to our blog.

About Navi Personal Loan

Navi personal loan is offered by the Navi App. It is a digital lending platform that provides instant loans to the users. The app offers a seamless experience of easy loan procedure with minimal documentation. Moreover, it provides the users with easy loans at their convenience. Additionally, it provides loans at a lower rate of interest of 9.99%. Furthermore, the platform does not charge any hidden costs or any extra charges. Further, you can download their Navi App to avoid additional charges while applying for a loan.

The loan offered by them offers less and easier documentation process. It allows you to apply for loans with just a PAN Card and Aadhar Card. The platform allows quick disbursal of the funds directly into your account. Thus, it is the most convenient and fast way to apply for the loans. So, let’s know about this in detail.

Navi Personal Loan Rate of Interest

Rate of Interest – 9.9% per annum

Processing Fee – 3.99% to 6% of the loan amount

Foreclosure Fee – NIL

Collateral – No

Minimum Loan Amount – Rs. 10,000

Maximum Loan Amount – Rs.20 Lakh

Features of Navi Personal Loan

Now, let’s know about some of its features in detail:

  • It offers instant personal loans up to Rs.20 Lakh.
  • It allows quick disbursal. Within minutes, the money gets credited to the account of the users.
  • The rate of interest on the offered loans is 9.9%.
  • The processing fee on the offered loans is 3.99% to 6%.
  • Immediate transfer of funds to your account.
  • Users do not need to show any bank statement to get a loan from this platform.
  • 100% paperless procedure to apply for a loan.
  • Minimal documentation is required to avail of a loan.
  • Allow tenure of 72 months to repay the complete loan amount.
  • It provides users with affordable and pocket-friendly EMI options.
  • No collateral is required to apply for loans. Thus, no risks to the security of assets for the users.
  • You can instantly check your eligibility online on the app.
  • It does for charge any foreclosure charges.

Eligibility for Navi personal loan

  • The borrower must be a citizen of India.
  • Self-employed and salaried persons can apply for the loans.
  • A borrower should be of age from 18-65 to avail of a loan.
  • A good Cibil score is required to avail of loans from this platform at a flexible rate of interest.
  • Salaried applicants should be earning a stable income of Rs.15000.

Benefits of Navi personal loan

  • It helps in managing a variety of tasks. You can manage your credit score, funds, and all the procedures with ease with the app.
  • The app has a user-friendly interface. Thus, it allows users to use and navigate through the app easily. It is designed for every user and person who is employed.
  • The app claims to be safe and secure. Moreover, it is approved by RBI and follows all the digital safety instructions and norms.
  • It is popular for its instant loan disbursal feature. The amount gets immediately credited to your account. Thus, it is one of the leading loan-providing platforms.
  • Furthermore, it does not charge any hidden costs or additional charges. Moreover, you can download their app to avoid any further additional charges.
  • It can provide users with higher amounts of loans according to their needs and requirements.

Where is a Navi personal loan available?

  • Andhra Pradesh: Visakhapatnam (Vizag), Anantapur, Chittoor, Guntur, Krishna, East Godavari
  • Bihar: Patna, Gaya
  • Chandigarh
  • Delhi NCR: New Delhi, Gurgaon, Noida, Greater Noida, Ghaziabad, Faridabad
  • Gujarat: Ahmedabad, Vadodara, Valsad
  • Haryana: Ambala, Karnal, Kurukshetra, Panchkula, Panipat
  • Jharkhand: Ranchi
  • And many more

Documents required

  • Aadhar Card
  • PAN Card
  • Colored photograph
Navi personal loan
Navi personal loan

Our Verdict

In our opinion, a navi personal loan is the perfect option if you are looking for instant funds. It offers loans at an affordable interest rate with minimal documentation. Moreover, it does not charge any additional charger and also provides an app so that you can manage your tasks with ease. It is the perfect solution for a young professional who is looking for personal loans to fund their startup. Thus, you can surely give it a try.

So that’s all in this blog. we have provided you with sufficient info about this topic. Let’s wrap it up here. Moreover, you can share this article with your friends who are in urgent need of funds. See you in the next blog with some other engaging topics. Till then, bye. Have a nice day.


It is advisable to think twice before applying for personal loans on this platform if you have a lower credit score. Moreover, read all the terms and conditions properly before applying for the loans.


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