Navi App Reviews, Customer Care Number & Details

Personal loan app with competitive rates starting at 9.9% p.a. and Aadhaar-based process.

This Navi app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified Navi customer care number, WhatsApp channel and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

NBFCAadhaar OnlyZero PrepaymentZero ForeclosureRBI RegulatedSelf-Employed OK

Reviewed by BankCreds App Review Team· App Review Analysts Updated 14 June 2026

Navi is one of the most competitive fully-digital lenders in India — a 9.9% headline rate, tickets up to ₹20 lakh, and app-only disbursal in about ten minutes, all from an RBI-registered NBFC. For a strong-profile borrower it can genuinely undercut the banks.

This review covers what Navi really costs beyond the 9.9% floor, how its app-only model works, and a regulatory track record — an RBI lending pause and a 2026 penalty — that's worth knowing before you borrow.

Quick Facts

4.6★ · 15L

Play Store

₹20L

Max Loan

9.90% – 29.00% p.a.

Interest Rate

Within 10 minutes

Disbursal

3 – 84 months

Tenure

0% – 4% of loan amount

Processing Fee

Rs 20,000 per month

Min Income

Play Store rating sourced from Google Play, as of 3 Oct 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 4.5/5

Fully digital with disbursal advertised within about ten minutes for approved applicants.

Interest & cost 4.0/5

A genuinely competitive 9.9% floor for strong profiles, but the band runs to 29% so most pay more.

App experience 4.0/5

The app (which bundles UPI, insurance and loans) rates ~4.4★ with 100M+ installs.

Customer support 3.0/5

App-only with no branch fallback; some users report opaque rejections and slow support.

Safety & transparency 3.5/5

An RBI-registered NBFC, but with a 2024 lending pause and a Feb 2026 recovery-agent penalty on record.

Loan Details & Charges

Loan Amount Rs 10,000 – Rs 20,00,000

Interest Rate 9.90% – 29.00% p.a.

Tenure 3 – 84 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

What It Actually Costs

Loan amount ₹5,00,000

Tenure 48 months

Monthly EMI ₹13,413

Total interest ₹1,43,824

Processing fee 0%–4% (₹0–₹20,000) + GST

Total repayment ₹6,43,824

Illustrative at a ~13% rate for a good-profile borrower. Your actual rate (9.9%–29%) depends on your credit profile — confirm your offer in the app before borrowing.

Try the Navi EMI calculator

Pros

A competitive 9.9% p.a. floor for strong profiles
Large tickets up to ₹20 lakh — bigger than most fintech rivals
Fully digital and fast: app-only flow with ~10-minute disbursal
An RBI-registered NBFC (Navi Finserv) lending on its own books
Only Aadhaar and PAN needed, with e-KYC

Cons

9.9% is a best-case floor; the band runs to 29%, so most borrowers pay more
A regulatory track record: a 2024 RBI lending pause and a Feb 2026 recovery-agent penalty
Some users report eligibility/rejection opacity and offered terms differing from the headline
App-only — no branch or human fallback if something goes wrong
Customer support draws complaints

Our Verdict

Navi is one of the most competitive fully-digital lenders in India — a 9.9% floor, tickets up to ₹20 lakh, and app-only disbursal in about ten minutes, all from an RBI-registered NBFC. For a strong-profile borrower it can genuinely undercut the banks. Two honest caveats. First, 9.9% is a best-case floor; the band runs to 29%, so most borrowers pay well above the headline. Second, Navi has a regulatory track record worth knowing: the RBI briefly barred it from new lending in October 2024 over pricing, lifted that in December 2024 after fixes, and fined it ₹3.8 lakh in February 2026 for recovery-agent rule breaches. It remains a legitimate, regulated lender — just go in with eyes open.

Who Navi suits

Strong-profile borrowers (CIBIL 700+) chasing a low rate

People who want a larger ticket (up to ₹20 lakh) from an app

Borrowers comfortable with a fully-digital, no-branch lender

Anyone who wants Aadhaar/PAN-only, paperless borrowing

Look elsewhere if

Your CIBIL is around the 650 floor — your rate may be far from 9.9%

You want a human or branch to escalate to

You value a spotless regulatory record above all else

Things to Watch

The 9.9% rate is a best case for top-credit borrowers; the band runs to 29%, so confirm your actual rate before accepting
Navi has a regulatory history: an October 2024 RBI lending pause over pricing (lifted December 2024) and a February 2026 ₹3.8 lakh penalty for recovery-agent rule breaches
It's app-only with no branch fallback, and some users report opaque rejections — read your sanctioned terms carefully

How to Apply for Navi

1

Register in the app

Download Navi and sign up with your mobile number.
2

Complete e-KYC

Enter your PAN and Aadhaar and verify with a selfie.
3

Review your offer

See your offered amount, tenure (3–72 months) and rate, then accept the agreement digitally.
4

Receive funds

Approved loans are credited to your bank account, advertised within about ten minutes.

Documents Required

PAN card

Aadhaar card

An active bank account

Income proof is usually not required upfront (e-KYC driven)

What Real Users Say

Navi's app (which bundles UPI, insurance and loans) rates around 4.4★ on the Play Store with 100M+ installs.

Reviews cover the whole Navi app, not the loan alone.

What users love

Borrowers praise the fast, paperless flow and a competitive rate when they qualify near the floor.

Common complaints

Some users report opaque eligibility decisions, after-hours collection messages, and slow support.

How Navi Compares

vs KreditBee — KreditBee starts higher and caps around ₹10 lakh — Navi wins on both headline rate and ticket size for strong profiles.

vs MoneyView — MoneyView leans to thinner-file borrowers at higher rates; Navi is cheaper for strong profiles.

vs Bajaj Finserv — Bajaj rivals Navi on rate and far exceeds it on max amount, but Navi's app-only flow and ~10-minute disbursal are faster for small-to-mid tickets.

How we tested

We reviewed Navi's published rates and terms, confirmed its NBFC status and the RBI actions against it via official RBI press releases and dated press coverage, and read recent borrower feedback on the Play Store and forums. The October 2024 lending pause, its December 2024 lifting, and the February 2026 ₹3.8 lakh recovery-agent penalty are matters of public record. Figures are accurate as of mid-2026 and are profile-dependent — confirm your offer in the app before borrowing.

Navi Customer Support Details

Navi keeps support deliberately app-first: most queries resolve through in-app chat, and the published phone line is the backup rather than the primary channel. Navi does not publish a general support email, so raise written complaints through the app's grievance flow, which generates the reference number you will need later.

Navi customer care number	+91 81475 44555
Navi WhatsApp number	NA
Navi customer support email ID	NA

Verified from Navi's official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. All lender, bank & insurer contacts →

Frequently Asked Questions

What interest rate will I actually get on a Navi loan?

Navi's rates range from 9.90% to 29% p.a. The 9.9% floor goes to top-credit borrowers; your actual rate depends on your CIBIL, income, amount and tenure, so most applicants pay more than the headline.

Is Navi safe and RBI-registered?

Yes — loans are issued by Navi Finserv Pvt Ltd, an RBI-registered NBFC. Note the regulatory actions covered below, but the lender itself is regulated and legitimate.

Has Navi faced any RBI action?

Yes. In October 2024 the RBI temporarily barred Navi Finserv from new lending over pricing-policy concerns; the restriction was lifted in December 2024 after corrective measures. Separately, in February 2026 the RBI fined Navi Finserv ₹3.8 lakh for breaching recovery-agent rules (contacting customers outside the permitted 8am–7pm hours).

What CIBIL score and income do I need for a Navi loan?

A minimum CIBIL of around 650 and income of ₹20,000/month, for applicants aged 18–65. The lowest rates and a zero processing fee typically need a stronger score (700+).

How fast is disbursal and what documents do I need?

After app-based KYC (PAN and Aadhaar) and bank verification, approved loans are usually disbursed within minutes. Keep PAN, Aadhaar, bank details and a selfie ready; income proof may be requested for larger amounts.

Is Navi RBI registered?

Lending in India can only be done by an RBI-regulated bank or NBFC, but many loan apps are not themselves the lender — they are digital lending platforms operating for a partner NBFC. To verify for yourself: open the app and find the lender name it is required to disclose, then search that exact name in the RBI's public list of registered NBFCs on rbi.org.in. If an app will not tell you which regulated entity is lending you the money, treat that as a reason not to borrow from it.

What is the Navi customer care number?

The Navi customer care number is +91 81475 44555. Always cross-check this against the number shown inside the Navi app before calling — fake customer-care numbers are one of India's most common financial frauds, and no genuine lender will ever ask you for an OTP, PIN or card details.

How do I file a complaint against Navi?

Work the escalation ladder in order. First, raise the complaint with Navi support and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer, whose details every RBI-regulated lender must publish on its website and inside its app. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.

How do I stop harassment calls from Navi recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer, then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

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All Loan App Reviews

See how Navi stacks up against every other instant loan app we've reviewed — compare ratings, max loan and rates side by side.

Rank	App	Rating	Max Loan	Rate	Review
1	Bajaj Finserv	4.6	₹55L	10.00% – 30.50% p.a.	Read Review
2	Navi	4.6	₹20L	9.90% – 29.00% p.a.	You're here
3	Orrish Orrish Finance Private Limited	4.6	₹7L	12% – 30% p.a. on personal loans (Play); up to 1% per day on loans of up to 90 days	Read Review
4	FlexiLoans Business Loan	4.58	₹50L	12% – 28% p.a. (official: 'from 1%/month'; ceiling unpublished)	Read Review
5	KreditBee KrazyBee Services Limited (NBFC) plus partner lenders: Northern Arc Capital, MAS Financial Services, PayU Finance India, Kisetsu Saison Finance, Piramal Finance, Cholamandalam, Mirae Asset Financial S	4.5	₹10L	12.00% – 28.50% p.a.	Read Review
6	MoneyView Multiple partner NBFCs/banks: Whizdm Finance Pvt Ltd (Moneyview group NBFC), Aditya Birla Finance, DMI Finance, Clix Capital, Kisetsu Saison Finance, SMFG India Credit, Piramal Capital & Housing Finan	4.5	₹10L	14.00% – 24.00% p.a.	Read Review
7	Home Credit Home Credit India Finance Pvt. Ltd. (NBFC; subsidiary of TVS Holdings Ltd.)	4.5	₹4.8L	19.20% – 44.00% p.a.	Read Review
8	Fibe NBFC partners	4.5	₹10L	18.00% – 36.00% p.a.	Read Review
9	Piramal Finance Piramal Finance Limited (formerly Piramal Capital & Housing Finance Limited)	4.5	₹25L	12.99% – 24.00% p.a.	Read Review
10	True Balance True Credits Private Limited (group NBFC) plus partner NBFCs: Grow Money Capital, InCred Financial Services, Vivriti Capital, Northern Arc, OXYZO Financial Services	4.5	₹2L	28.80% – 36.00% p.a.	Read Review
11	LendingPlate Unifinz Capital India Limited (NBFC, RBI CoR 14.00233)	4.5	₹2.5L	12% – 30% p.a.	Read Review
12	mPokket mPokket Financial Services Private Limited (NBFC; LSP/app owner: Maybright Ventures Private Limited)	4.4	₹2L	22.00% – 36.00% p.a.	Read Review
13	LazyPay NBFC partners	4.4	₹5L	18.00% – 32.00% p.a.	Read Review
14	Kissht SiCreva Capital Services Pvt. Ltd. (OnEMI/Kissht group NBFC) plus financing partners (logos: Aditya Birla, Mirae Asset Financial Services, Northern Arc, Piramal, SMFG, Suryoday, Utkarsh, Vivriti, MAS)	4.4	₹5L	14.00% – 30.00% p.a.	Read Review
15	Freo Multiple partners: Kisetsu Saison Finance (India) Pvt Ltd, SMFG India Credit, InCred Finance, RBL Bank, Apollo Finvest (India) Ltd, Cholamandalam, Lendbox, Komac Investments & Finance, Aspire Finance,	4.4	₹5L	13.00% – 36.00% p.a.	Read Review
16	Nira Multiple NBFC partners (LSP model): Northern Arc Capital, Niyogin Fintech, Avanti Finance, PayU Finance, Trillion Loans (formerly BharatPe-linked), Komac Investments and Finance (KIFPL); NIRA = Shuhar	4.4	₹1L	24.00% – 36.00% p.a.	Read Review
17	CreditSea Partner NBFCs: Chhotaria Securities Pvt Ltd (NBFC Reg B-05.04798), Meghdoot Mercantile Pvt Ltd (B-05.03357), CP Capital Ltd, TapStart Capital Pvt Ltd, Coffers Finvest Ltd (formerly GSB Finance). Credi	4.4	₹2L	14% – 36% p.a.	Read Review
18	CASHe Bhanix Finance and Investment Limited (NBFC)	4.3	₹3L	33.50% – 36.00% p.a.	Read Review
19	FlexSalary Vivifi India Finance Private Limited (RBI CoR N-09.00447)	4.3	₹3L	18.00% – 42.00% p.a.	Read Review
20	OLYV Multiple partner NBFCs (homepage logos: InCred, Northern Arc, PayU Finance, Poonawalla Fincorp, Upmove, Vivriti Capital); platform is SmartCoin Financials Pvt. Ltd.	4.3	₹5L	18.00% – 36.00% p.a.	Read Review
21	My Money Bazaar Bansal In Hold Limited (also Aasra Fincorp Private Limited)	4.3	₹5L	0.077% – 0.10% a day in Play examples (28.1% – 36.5% a year); APR up to 115.03%	Read Review
22	CashPey Naman Commodities Private Limited	4.3	₹5L	18% – 36% p.a. (Play listing); APR up to 50%	Read Review
23	RING Power Loan Si-Creva Capital Services Pvt Ltd (in-house, RBI reg N-13.02129), Northern Arc Capital, MAS Financial Services, Utkarsh Small Finance Bank	4.3	₹5L	32% – 57% p.a.	Read Review
24	Stashfin Akara Capital Advisors Private Limited (NBFC); co-lending partners Cholamandalam Investment and Finance Co Ltd, Northern Arc Capital Ltd, Oxyzo Financial Services Pvt Ltd	4.2	₹5L	11.99% – 59.99% p.a.	Read Review
25	PayRupik Sayyam Investments Pvt. Ltd. (RBI-registered NBFC)	4.2	₹2.5L	20.00% – 36.00% p.a.	Read Review
26	Hero FinCorp Hero FinCorp Limited (NBFC, lends directly)	4.2	₹7L	18% p.a. onwards (no published cap)	Read Review
27	ATM Cred Swastik Finance Limited	4.1	₹1L	18% – 36% APR (Play); up to 3% per month (lender page)	Read Review
28	Pocketly Speel Finance Company Private Limited (NBFC; owns and operates Pocketly)	4.1	₹50,000	24% – 36% p.a. (all-in APR up to ~132% with fees, per third-party listings)	Read Review
29	HDFC Bank Pre-approved Personal Loan (Insta) HDFC Bank Limited (scheduled private sector bank)	4	₹50L	9.99% – 24.00% p.a.	Read Review
30	ICICI Bank Personal Loan ICICI Bank Limited (scheduled private sector bank)	4	₹50L	9.99% – 16.50% p.a.	Read Review
31	Axis Bank Instant Loan Axis Bank Limited (scheduled private-sector bank; lends directly)	4	₹50L	9.99% – 22.00% p.a.	Read Review
32	Dhan Pocket Pawansut Holdings Limited (named by Dhan Pocket; the NBFC's own website does not list it)	4	₹1L	0.5% – 1% per day (182.5% – 365% a year); the site also prints an APR of 15% – 35%	Read Review
33	DhanCash Ind Global Securities Limited	4	₹1L	0.4% – 1.1% per day (146% – 401.5% a year)	Read Review
34	Aditya Birla Personal Loan Aditya Birla Capital Limited (NBFC-ICC, Upper Layer; Aditya Birla Finance merged into it)	4	₹50L	10% – 28% p.a.	Read Review
35	DigiCredit Khosya Finlease Private Limited (NBFC); DSG Investments Private Limited also shown as a partner	4	₹75,000	Up to 36% p.a. (stated cap; floor not disclosed)	Read Review
36	FatakPay FDPL Finance Private Limited (wholly-owned RBI-registered NBFC subsidiary, sole lender)	4	₹5L	18% – 40% p.a.	Read Review
37	InstaMoney Innofin Solutions Private Limited; Aeroflex Finance Private Limited (NBFCs). InstaMoney is operated by Roctogen Services Pvt Ltd (not an NBFC).	4	₹1L	24% – 48% p.a.	Read Review
38	Ram Fincorp R.K. Bansal Finance Private Limited (NBFC, self-declared RBI registration B-14.00700); Ram Fincorp = Kundanmal Technology Pvt Ltd, LSP only	4	₹2L	15% – 35% p.a. (listed)	Read Review
39	RapidMoney RuLoans Financial Services Pvt Ltd; Pooja Finstock International Ltd (PFIL Finance); Fintree Finance Pvt Ltd — RapidMoney (MoneyTime Technology Solutions Pvt Ltd) is an LSP	4	₹15,000	36.5% – 54.75% p.a. (quoted as 0.1% – 0.15% per day), before the 15% processing fee	Read Review
40	Unity SFB Personal Loan Unity Small Finance Bank Limited (bank, lends on own book)	4	₹5L	16% – 30% p.a.	Read Review
41	Zype Respo Financial Capital Private Limited	4	₹5L	18% – 34% p.a.	Read Review
42	True Fund	4	₹0	Not disclosed	Read Review
43	Tap4Credit	4	₹0	Not disclosed	Read Review
44	Poonawalla Fincorp	4	₹5L	16% p.a. onwards (no published cap)	Read Review
45	PayTrust	4	₹0	Not disclosed	Read Review
46	HDFC SmartEMI HDFC Bank Limited (scheduled private sector bank)	4	₹0	From 0.99% per month; rates actually charged Apr–Jun 2026: 10.80%–24.96% p.a.	Read Review
47	DMI Finance	4	₹10L	13.99% – 24.90% p.a.	Read Review
48	Cash247 Siddhi Traders Pvt Ltd, Chhotaria Securities Pvt Ltd, Meghdoot Mercantile Pvt Ltd, Swaroop Finance Pvt Ltd (none verified on RBI records)	4	₹0	10.99% p.a. advertised; 14% shown elsewhere on the same site; max not disclosed	Read Review
49	BharatPe Credit Line YES Bank (Pay Later line); personal loans via BharatPe Capital, Unity Small Finance Bank, Poonawalla Fincorp, InCred, Piramal Finance, Aditya Birla Capital, L&T Finance and other partner lenders	4	₹15L	18% – 70% p.a.	Read Review
50	ZapCash Weekline Investment & Trading Co. Limited (also BMW Fin-Invest Private Limited)	3.8	₹5L	12% – 30% p.a. advertised; lender policy prices payday loans at 0.10% – 1.00% per day	Read Review
51	Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services	3.2	₹5L	18% – 30% p.a.	Read Review
52	SMFG India Credit SMFG India Credit Company Limited	2.6	₹10L	12.50% – 30.00% p.a.	Read Review