Navi: UPI, Investments & Loans

Discover a new era of financial convenience with Navi, the ultimate superapp designed for your unique financial needs. Seamlessly explore a range of services, from lightning fast UPI payments to smart investments in mutual funds and gold, quick cash loans, dependable health insurance coverage, and effortless home loans. Download the Navi app and unlock a world of possibilities for your financial well-being. Navi App offers:
1. UPI
Money transfers made simple with Navi UPI (NPCI Approved). Make payments anytime, anywhere with ease.

Navi UPI Features:
✅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.

Navi Mutual Fund Features:
✅ Low expense ratio
✅ Diversification with a range of Domestic and International Funds
✅ Investment with as low as ₹10
✅ Weekly/Monthly SIP options

Navi Gold Features:
✅ 24K Digital Gold
✅ 99.9% purity
✅ Lowest market price
✅ Investment with as low as ₹1
*Mutual fund investments are subject to market risks, read all scheme-related documents carefully.

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.

Health Insurance Feature & Benefits
✅ Cover up to ₹1 crore
✅ Premium starts at ₹235/month
✅ 20 min cashless claim settlement at 10,000+ network hospitals
✅ 100% hospital bill covered
✅ 100% paperless process
✅ Insurance top-up & porting facilities available

CIN: U66000MH2016PLC283275 | IRDAI Registration Number: 155

4. Cash Loans
Get an Instant Cash Loan of up to ₹20 Lakh with the Navi app. Our APR varies from 9.9% to 45%* & you can choose a wide range of repayment options starting from 3 to 60 months.

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 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

*Note: These numbers are for representation purpose only. Final interest rate & APR will depend on customer’s credit assessment

5. Home Loans
Get up to ₹5 Crore loan at an attractive interest rate starting at 8.74% p.a with flexible EMI options on Navi Home Loan app

Home Loan Features:
✅ Loan Amount: Up to ₹5 Crore
✅ Interest Rate: Starting from 8.55% 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.

About Navi
Navi app is developed & owned by Navi Technologies Limited, founded by Sachin Bansal and Ankit Agarwal, in December 2018.
The Cash Loans and Home Loans are provided by Navi Finserv Limited, a Non-Deposit taking systemically important NBFC registered & regulated by the RBI.
Health Insurance is offered by Navi General Insurance Limited, registered with the IRDA as a general insurer.
Navi Mutual Fund, registered with the SEBI, offers multiple mutual fund schemes to investors.

Contact us:
Navi Technologies Limited
9th Floor, Survey no. 14/2, Vaishnavi Tech, Square, Begur, Hobli, HSR Layout, Iballur Village, Bengaluru, Karnataka, 560102
● Loan: help@navi.com
● Insurance: insurance.help@navi.com
● Mutual Fund: mf@navi.com
● Digital Gold: gold@navi.com