Navi operates in the space of digital Digital Loans, home loans, mutual funds, health insurance and micro-loans.
Digital Personal Loans
Personal Loans up to 20,00,000 with a tenure range up-to 84 months at 9-45% interest rate p.a. on a reducing balance method. Digital application on the Navi app.
Get Instant Cash Loan in 1 Hour Without Documents: Interest Rate & Eligibility
- Cash Loan Get instant cash loan to meet any financial requirement.
- Loans up to ₹20 lakh
- Interest rates starting @ 9.9% p.a.
- Instant disbursal
Instant Cash Loan Eligibility Criteria
| Nationality | Indian |
| Age | Above 18 Years |
| Type of Employment | Salaried or Self-employed |
| Income | Minimum: Rs 10,000 per month |
| Credit Score | 650 and above |
The Navi App is operated by Navi Technologies Limited. Navi Finserv Limited is an RBI registered Systemically Important Non-Deposit Taking NBFC (ND-SI) which lends through the Navi App. Navi Technologies is the digital lending partner of Navi Finserv.
If you have a good credit score and are eligible, you can get personal loans up to Rs.20 lakh at a competitive interest rate and flexible tenures. Now, let’s understand what is instant cash loan, and how you can get a loan in 1 hour.
Instant Cash Loan in 1 Hour: Features and Benefits
- Minimal documentation
- Paperless process
- Instant loan disbursal
- Attractive interest ratesFlexible repayment tenures
- Use loan amount for any purpose
Documents Required for Instant Cash Loan in 1 Hour
| Salaried | Self-employed | |
|---|---|---|
| Identity Proof | PAN, Aadhaar, driving license, Voter ID, etc. | PAN, Aadhaar, driving license, Voter ID, etc. |
| Address Proof | Aadhaar, driving license, ration card, etc. | Aadhaar, driving license, ration card, Registered office/business address proof, etc. |
| Income Proof | Last 3 months’ salary slip | Last 6 months’ bank account statements |
How to Apply for An Instant Cash Loan In 1 Hour at Navi?
Usually, you would have to submit the below-mentioned documents when you apply for an instant cash loan in 1 hour in India:
Step 01: Download the Navi app from Google Play Store & App Store and register on the app providing your mobile number and entering the OTP sent to the number
Step 02: Once you are a registered user, you can click on the ‘Apply’ tab
Step 03:Enter your full name, age, marital status and PIN code
Step 04:Provide the details of your occupation and the monthly income that you earn
Step 05:Provide your PAN card number so that the application process is completed
Step 06:Navi would give in-principle approval for a loan amount
Step 07:To get the loan, choose the loan amount and tenure
Step 08:Click your selfie, enter your Aadhaar card number and the full name of your parents
Step 09:Provide the name of your bank and its IFSC code. Set up an Auto Debit Mandate to pay the EMIs automatically from your bank account
Step 10:Navi would verify your details and then sanction the loan instantly
Cash Loan Interest Rate and Charges
Interest Rate: 9.9% p.a. onwards
Loan pre-closure fee: Nil
Loan amount: Up to ₹20 lakh
Loan tenure: 3 – 72 months
Things to Remember before Taking a Personal Loan
- Compare lenders: Compare different lenders in terms of interest rates, quality of service, loan tenure, etc. Go with the lender that suits your requirement.
- Check your credit score: Make sure to check your credit score before applying. A low credit score, let’s say below 600, could lead to personal loan rejection.
- Interest Rates: It is advisable to go with a lender who will offer your personal loans with attractive interest rates. For that, a good credit score (750+) is preferred as that could get you the loan amount at preferential interest rates.
- Other Fees & Charges: A personal loan could come with other fees and charges such as processing fees, foreclosure charges, and more. Make sure to check all these before applying for an instant cash loan in navi.
RBI does not approve digital lending apps. The Navi App is operated by Navi Technologies Limited. Navi Finserv Limited is an RBI registered Systemically Important Non-Deposit Taking NBFC (ND-SI) which lends through the Navi App. Navi Technologies is the digital lending partner of Navi Finserv.
For any kind of queries, you can write to help@navi.com
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