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✅ RecommendedRBI-regulated NBFCpersonal

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.

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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.