विनियमित एनबीएफसी (Regulated NBFC)सभी पात्र नागरिकस्वीकृति गति: Instant (disbursed in under 10 minutes).सत्यापित: 2026-09-28 (180-दिवसीय SLA)

नवी इंस्टेंट पर्सनल लोन

100% digital instant personal loan via Navi app up to ₹20 Lakhs with ZERO foreclosure charges.

ऋण राशि सीमा₹10,000 to ₹20,00,000 (100% paperless app loan)

ब्याज दर (APR)9.90% - 36.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि3 to 72 months

प्रोसेसिंग शुल्कNIL to 3.99% of loan amount + GST (ZERO processing fee for select customers)

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Navi Finserv's 100% paperless digital lending app, offering instantaneous personal loans up to ₹20 Lakhs with ZERO foreclosure charges and zero physical paperwork.

प्रमुख लाभ एवं विशेषताएं

• ZERO FORECLOSURE CHARGES: Prepay or close loan anytime with zero penalty fees • Disbursal in under 10 minutes directly into borrower's bank account • 100% paperless digital process via Navi mobile app • Tenure flexibility from 3 months up to 72 months.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Indian residents with smartphone and verified bank account. Min Age: 21, Max Age: 65. Min Monthly Income: ₹15,000. Min CIBIL: 680.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

ZERO (NIL) prepayment and ZERO foreclosure charges across all tenures!

📂आवश्यक दस्तावेज (Required Documents)

• Completely paperless (PAN and Aadhaar verified digitally).

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Wide interest rate range reaching up to 36% p.a. for riskier credit profiles. • Processing fee up to 3.99% + GST applies for non-prime borrowers. • Strictly available only on the Navi Android/iOS mobile application.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Open Navi App > Instant Cash Loan. Select amount and tenure, complete Aadhaar OTP e-sign. Disbursed in 5 minutes.

2. नए ग्राहक (ऑनलाइन):

1. Download Navi App from Play Store / App Store. Enter PAN, link bank account via Account Aggregator, and complete digital KYC.

3. बैंक शाखा में जाकर:

Not applicable — 100% digital app-only product.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Are there really zero foreclosure charges in Navi?

Yes! Navi Finserv charges ZERO prepayment or foreclosure fees across all loan tenures.

How quickly are funds disbursed?

Funds are transferred directly into your bank account within 10 minutes of completing digital setup.

Can self-employed borrowers apply?

Yes, both salaried and self-employed individuals can apply via the Navi app.