Navi Review
Personal loan app with competitive rates starting at 9.9% p.a. and Aadhaar-based process.
NBFCAadhaar OnlyZero PrepaymentZero ForeclosureRBI RegulatedSelf-Employed OK
Quick Facts
₹20L
Max Loan
9.90% – 29.00% p.a.
Interest Rate
Within 10 minutes
Disbursal
3 – 72 months
Tenure
0% – 4% of loan amount
Processing Fee
Rs 20,000 per month
Min Income
Loan Details & Charges
Loan Amount Rs 10,000 – Rs 20,00,000
Interest Rate 9.90% – 29.00% p.a.
Tenure 3 – 72 months
Processing Fee 0% – 4% of loan amount
Late Payment Penalty on overdue amount
Prepayment No prepayment charges
Foreclosure No foreclosure charges
Eligibility Criteria
Age 18-65 years
Min Income Rs 20,000 per month
CIBIL Score 650+
Employment salaried, self-employed
Documents Aadhaar Card, PAN Card
Our Verdict
Navi is a solid option in the instant loan space.