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Navi Review

Navi Finserv Ltd (NBFC)

Among the cleaner large-NBFC lending apps — transparent KFS, low processing fee.

Reviewed by
SahiSujhav editorial — Independent borrower-side review
Last verified
2026-05-09
Right of reply
Navi invited to respond on 2026-05-09. Status: pending
Indicative APR upto
Upto 40%
Indicative processing fee upto
Upto 5%
Tenure
6–72 months
Ticket size
₹10,000–₹20,00,000
4.2 / 5
SahiSujhav editorial rating

Red flags

  • •Top-end APR can climb past 40% for thin-file borrowers

Green flags

  • •RBI-licensed NBFC, public financials
  • •No contact-list permission
  • •Foreclosure with zero/low charges

Permissions demanded

KYCBank statement (AA)

Data practices

Standard regulated-NBFC data flow; AA-based bank fetch.

Recovery practices

In-house collections; RBI-compliant call windows reported.

Sources & references

Last reviewed: 2026-05-09

Grievance & support

Contact details published by the lender. If unresolved within 30 days, escalate via RBI Sachet.

Disclaimer: Reviews are independent editorial assessments based on publicly available information and user-submitted complaints. APR ranges and fees can change — always check the lender's Key Fact Statement before borrowing. Not financial or legal advice.

Next step with Navi

Headline rates hide fees. Run your actual offer through our free tools before you accept anything.

Check your real APR →Fees + GST + tenure, computed the RBI way.Safer alternatives to Navi →Lower-APR, RBI-regulated options.Escape the Payday loan trap →Guided plan to get out of a high-APR loan.Fix your CIBIL score →Diagnose, dispute, rebuild in 4 stages.

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Frequently asked questions about Navi

Is Navi RBI-registered?

Navi is operated by Navi Finserv Ltd (NBFC). Its RBI status: RBI-regulated NBFC. Always verify the parent lender directly on the RBI NBFC list before borrowing.

What is the real APR on Navi?

Navi charges an APR between 40% and 40% per annum with a processing fee of up to 5%. After fees and GST, the effective APR on short tenures can be significantly higher than the headline rate.

Is Navi safe to use?

Among the cleaner large-NBFC lending apps — transparent KFS, low processing fee. Permissions demanded: KYC, Bank statement (AA). Recovery practices: In-house collections; RBI-compliant call windows reported..

What loan amount and tenure does Navi offer?

Ticket size ranges from ₹10,000 to ₹20,00,000, with tenure between 6 and 72 months.

How do I close my Navi loan early?

Open the app, request a foreclosure quote in writing, and pay the principal + accrued interest. Demand the No Dues Certificate (NDC) within 7 working days — RBI mandates it. If Navi refuses or harasses you, file a complaint on the RBI Sachet portal.