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Bajaj Finserv vs Navi
Side-by-side comparison of Bajaj Finserv and Navi on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| Bajaj Finserv | Navi | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | Bajaj Finserv Ltd | Navi Finserv Ltd (NBFC) |
| Category | personal | personal |
| APR range | Upto 28% | Upto 40% |
| Processing fee | Upto 5% | Upto 5% |
| Tenure | 3–61 mo | 6–72 mo |
| Ticket size | ₹10,000–₹500,000 | ₹10,000–₹2,000,000 |
| Our rating | 5/5 | 4.2/5 |
| Verdict | Recommended | Recommended |
Bajaj Finserv
Good
- Largest listed NBFC
- Strong grievance redressal
- Clear documentation
Watch out
- Cross-sell pressure (insurance, EMI cards)
Last reviewed: 2026-06-06
Navi
Good
- RBI-licensed NBFC, public financials
- No contact-list permission
- Foreclosure with zero/low charges
Watch out
- Top-end APR can climb past 40% for thin-file borrowers
Last reviewed: 2026-05-09