✅Instant money transfers
✅Guaranteed security
✅Reliable payments
2. Investments in Mutual Funds and Gold
Invest in digital gold and a wide range of mutual funds, such as Navi Nifty 50 Index Fund, Navi Nasdaq 100 Fund of Fund, among various other passive and active schemes.
3. Health Insurance
Navi Health Insurance app provides a comprehensive health insurance plan which helps secure your family’s financial future with up to ₹1 crore cover.
Personal/Cash Loan Features & Benefits:
✅ Loan Amount: Up to ₹20 Lakh
✅ Interest Rate: Starting from 9.9% – 45% p.a
✅ Loan Tenure: 3 to 60 Months
✅ 100% digital process
✅ Instant money transfer to your bank account
✅ Minimum household income: ₹3,00,000 p.a
❌ No security deposit
Example of How Navi Cash/Personal Loan works:
Loan Amount – ₹50,000
Tenure – 12 months
Interest Rate – 22% (on reducing principal balance interest calculation)
EMI – ₹4,680
Total Interest Payable – ₹4,680 x 12 months – ₹50,000 Principal = ₹6,160
Processing Fees (incl. GST) – ₹1,475
Disbursed Amount – ₹50,000 – ₹1,475 = ₹48,525
Total Amount Payable – ₹4,680 x 12 months = ₹56,160
Total Cost of the Loan = Interest Amount + Processing Fees = ₹6,160 + ₹1,475 = ₹7,635
Home Loan Features:
✅ Loan Amount: Up to ₹5 Crore
✅ Interest Rate: Starting from 8.74% p.a.
✅ Loan Tenure: Up to 30 Years
✅ Zero Processing Fees
✅ 100% paperless application process
Navi Home Loan is available in Mumbai, Bengaluru, Hyderabad, Chennai, Delhi NCR, & Pune.