Navi EMI Calculator
Estimate your monthly EMI for a Navi personal loan at 9.9% - 29% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹8,787
per month
₹1,05,443
Total Payable
₹1,00,000
₹5,443
Navi Loan at a Glance
9.9% - 29% p.a.
Interest Rate
₹20,00,000
Max Loan
3 – 84 months
Tenure
0% – 4% of loan amount
Processing Fee
Within 10 minutes
Disbursal
What a ₹1,00,000 Navi Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 9.9% p.a. — the interest is what you pay on top of the amount you borrow.
₹8,787
Monthly EMI
₹5,444
Total Interest
₹1,05,444
Total Repayment
Note: a processing fee (0% – 4% of loan amount) and applicable GST are charged separately and are not included above.
Navi EMI Table @ 9.9% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,715 | ₹879 | ₹600 | ₹461 | ₹322 |
| ₹25,000 | ₹4,288 | ₹2,197 | ₹1,500 | ₹1,152 | ₹806 |
| ₹50,000 | ₹8,576 | ₹4,393 | ₹3,001 | ₹2,305 | ₹1,611 |
| ₹1,00,000 | ₹17,151 | ₹8,787 | ₹6,001 | ₹4,610 | ₹3,222 |
| ₹2,00,000 | ₹34,302 | ₹17,574 | ₹12,002 | ₹9,220 | ₹6,444 |
| ₹5,00,000 | ₹85,756 | ₹43,935 | ₹30,006 | ₹23,049 | ₹16,110 |
| ₹10,00,000 | ₹1,71,512 | ₹87,869 | ₹60,011 | ₹46,099 | ₹32,220 |
* EMI calculated using the reducing-balance method at 9.9% p.a. (0.83% per month). Your actual EMI depends on the rate Navi offers you. Rate sourced from Navi's official disclosures, verified 3 Oct 2026.
How Navi EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. Navi uses the standard reducing-balance formula, so the interest portion shrinks every month as your outstanding balance falls.
- P = principal (the amount you borrow)
- r = monthly interest rate = annual rate ÷ 12 ÷ 100 (here, 9.9% ÷ 12 = 0.83%)
- n = number of monthly instalments (the tenure)
How to Lower Your Navi EMI
Choose a longer tenure
Spreading the loan over more months cuts each EMI — but raises total interest, so balance affordability against cost.
Borrow only what you need
A smaller principal means a smaller EMI. Avoid topping up just because a higher limit is offered.
Improve your credit score
A higher CIBIL score can earn a lower rate than 9.9% - 29% p.a., directly reducing your EMI.
Prepay when you can
Part-prepaying early in the tenure lowers the outstanding balance and the interest you pay on every future EMI.
Ready to apply with Navi?
Check your eligibility in under two minutes — no impact on your credit score — and see the rate and EMI you actually qualify for.
Check Your Eligibility