Navi Personal Loan

Navi personal loan is a fast, digital solution for meeting financial needs like weddings, credit card bills, or unexpected expenses. Loans of up to INR 20 lakh are available with repayment terms up to 84 months, and the Navi personal rate of interest starts from 9.9% p.a. You can apply easily through the Navi app, and enjoy it completely paperless. Loans are approved in 10 minutes and disbursed instantly to your bank account.

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CONSENT IN RELATION TO ACCESS TO CREDIT INFORMATION THROUGH Equifax

End-user (customer)hereby consents to Loantap financial technology being appointed as your authorized representative to receive your Credit Information from Equifax on an ongoing basis until the purpose of Credit Risk Assessment. is satisfied or the expiry of 6 months from the date the consent is collected; whichever is earlier.

This End User Agreement (the “Agreement” ) is made between you (the “User” or “You” ) and Urban Money Private Limited hereinafter referred to as “URBAN MONEY ”, a private limited company having its registered office at 1st Floor, Tower A, M3M Urbana Business Park, Sector 67, near M3M Urbana, Gurugram, Haryana 122001. (“Urban Money ”, “Us” or “We”, which term shall include its successors and permitted assigns). The User and URBAN MONEY shall be collectively referred to as the “Parties” and individually as a “Party”.

Written By
Drishti Katyal
Drishti Katyal
Driven by a fascination with how people manage their money, Drishti turns complex financial topics into clear, relatable stories. She enjoys exploring the decisions that quietly shape everyday finances. When she’s not writing, she’s mapping out her next travel adventure, seeking out new experiences or experimenting with fresh ideas that spark her curiosity.
Reviewed By
Amit Prakash Singh
Amit Prakash Singh
Co-Founder, Square Yards & Chief Business Officer, Urban Money
Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Last Updated: 1 February 2026

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What is Navi Personal Loan?

Navi personal loans are fast, flexible, and require no collateral or guarantor. With minimal documentation, loans can be used for personal or business needs and are disbursed directly to your account. Eligible borrowers enjoy low Navi personal loan interest rates, can plan EMIs with the Navi EMI calculator, and prepay anytime to reduce their EMI burden.

  • Flexible repayment tenure from 12 months to 84 months
  • Loan amounts up to ₹20 lakh
  • Minimal documentation required
  • Prepayment facility available to reduce EMIs

What are the Key Features of a Personal Loan From Navi?

The table below depicts the key highlights of Navi Personal Loan.

Feature Details
Interest Rates Starts from 9.9% p.a.
Loan Amount Up to ₹20 lakh
Repayment Tenure Up to 72 months
Processing Fee 0 to 6% of the loan amount plus GST
Foreclosure/Prepayment Charges Zero

Eligibility & Documents Required for Navi Personal Loan

To apply for a Navi personal loan, applicants must meet certain eligibility criteria and have a few documents ready for a smooth application process. You can also check your eligibility using the  personal loan eligibility calculator.

Eligibility Criteria:

  • Must be an Indian resident
  • Age between 18 and 65 years
  • Hold a valid PAN card
  • Salaried or self-employed individuals are eligible
  • Minimum credit score of 650

Required Documents:

  • PAN Card
  • Aadhaar Card
  • A selfie for identity verification

Get a Personal Loan in Minutes

Apply online with quick approval, flexible tenure, and competitive interest rates.

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Why Navi Personal Loan Stands Out?

Navi personal loans offer a fast, convenient way to access funds for personal or business needs. With a fully digital process, flexible repayment options and competitive interest rates, Navi makes borrowing simple and hassle-free.

Key Advantages:

  • Instant disbursal: Get funds quickly once eligibility is verified.
  • No collateral or guarantor required: Fully unsecured loans.
  • Flexible repayment: Tenure options up to 72 months with easy EMI management.
  • Paperless process: Apply and track the loan entirely via the Navi app.
  • Minimal documentation: Only essential documents like PAN, Aadhaar, and a selfie.
  • Low interest rates for eligible borrowers: Rates start competitively from 9.9% p.a.
  • Prepayment facility: Reduce EMIs or clear the loan early without extra charges.

How are Navi Personal Loan Interest Rates Different from Other Lenders?

Borrowers must be aware of the various lenders offering personal loans. The table below compares Navi’s personal loan interest rates with those of other lenders.

Banks Interest Rate Processing Fee Tenure
Navi Personal Loan 9.9% 0-6% of the loan amount 84 months
HDFC Bank 10.9% – 24% Up to Rs 6500+GST 12 – 60 months
ICICI Bank 10.45% – 16.5% Up to 2.00% of the loan amount + GST 12 – 72 months
Axis Bank 9.5% – 21.55% Up to 2% of the loan amount + GST 12 – 60 months
IndusInd Bank 10.49% Up to 3.5% of the loan amount + GST 12 – 60 months
Kotak Mahindra Bank 10.99% Up to 5% of the loan amount + GST 12 – 60 months
IDFC First Bank 9.99% Up to 2% of the loan amount + GST 12 – 60 months
Tata Capital 10.99% – 29.99% Up to 3.5% of the loan amount + GST 12 -72 months

Get a Personal Loan in Minutes

Apply online with quick approval, flexible tenure, and competitive interest rates.

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How to Apply for a Navi Personal Loan through Urban Money?

Applying for a ₹20,000 Navi Personal Loan online through Urban Money is quick and hassle-free, making it ideal for short-term or urgent financial needs. The entire application process is digital, so there’s no need to visit a bank branch or deal with lengthy paperwork. With just a few basic details, you can check your eligibility, compare lenders, and get expert assistance for smooth loan approval.

Steps to Apply for a ₹20,000 Navi Personal Loan via Urban Money

  • Visit the Urban Money website and go to the Loan section
  • Select Personal Loan from the available options
  • Compare available banks and NBFCs, including Navi, from the lender list
  • Check your CIBIL score and loan eligibility directly on the platform
  • Once you choose Navi as your preferred lender, click on “Apply Now”
  • Enter your contact details in the application form
  • Verify your mobile number by entering the 6-digit OTP received
  • Submit the OTP to complete the verification process
  • An Urban Money loan expert will contact you within a day to guide you through the next steps and assist with Navi loan approval

Get a Personal Loan in Minutes

Apply online with quick approval, flexible tenure, and competitive interest rates.

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FAQ's About Navi Personal Loan

How can I contact Navi customer support?

If you face any issues while applying for a Navi personal loan, you can reach their customer support team via email at help@navi.com or contact at +91 81475 44555.

What documents are required to apply for a Navi personal loan?

You need your PAN card, Aadhaar card and a selfie for identity verification.

What is the minimum eligibility to apply for a Navi personal loan?

Applicants must be Indian residents, aged 18–65 years, with a valid PAN card and a minimum credit score of 650. Both salaried and self-employed individuals are eligible.

Can I prepay my Navi personal loan?

Yes, you can prepay the loan anytime without any foreclosure charges, which can help reduce your overall EMI burden.

How can I check my EMI before applying?

You can use the Navi personal loan EMI calculator available on Urban Money to estimate your monthly instalments.

What is the rate of interest in Navi?

Navi personal loan interest rate starts from 9.99% pa and can go up to 45% pa.

Can I get a loan from the Navi app?

Yes, you can get a loan from the Navi app. There will be zero processing fee charged.

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