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Instant Personal Loan & Home Loans

Instant Personal Loan & Home Loans

💷💸 શુ તમારે પણ છે પૈસા ની જરૂર તો દિવાળી ની ખાસ લૉન મેળવો ફકત 5 મિનિટ માં

💵 શું તમને ખબર છે આધાર કાર્ડ દ્વારા તમને મળી શકે છે લોન

💵 રૂપિયા ૫૦,૦૦૦ થી ૧૫,૦૦,૦૦૦ સુધી લોન મળી શકે છે તમારા ક્રેડિટ પર મળી શકે છે

💵 જાણો વધારે માહિતી માટે નીચે આપેલી લિંક પર ક્લીક કરો

💵 એપ્લાય કરવા માટે નીચે ની લિંક પર ક્લીક કરો

Instant Personal Loan

● Loan Amount: ₹10,000 to ₹500,000 . till

● Interest Rates: 12% to 36% p.a.

● Tenure: 90 days to 60 months

● Processing Fee : 3.99% to 6.00% (Minimum Rs.1,499+GST and Maximum Rs.7,499+GST)
Example

● Loan Amount: Rs 50,000

● Tenure: 12 Months

● Interest Rate : 22% (Principal Balance Reducing Interest Calculation)

● EMI amount: Rs 4,680

● Total Interest Payable: Rs. 4,680 x 12 
months - Rs. 50,000 principal = Rs. 6,160
Processing fee (inclusive of GST): Rs 1,475
Amount distributed: Rs 50,000 – Rs 1,475 = Rs 48,525

● Total Amount Due: Rs 4,680 x 12 months = Rs 56,160

Total cost of loan = Interest amount + Processing fee = Rs 6,160 + Rs 1,475 = Rs 7,635

Navi is a new age digital platform that provides you instant personal loans up to Rs 5 lakhs and home loans up to Rs 1.5 crores in an easy and transparent manner.
Navi introduced its new loan product Home Loan.

Home loans

1. Amount: Up to Rs 1.5 crore
2. Interest Rates : Starting from 6.95% p.a.
3. Tenure: Up to 25 years
4. Loan amount up to 90% of the property value

Home Loan Features

1. Instant Loan Offer
2. No document is required till the loan offer is received
3. High loan amount and low EMI
4. Loans for under construction, self-constructed and ready-to-move-in homes
5. No Application Fee, Legal Fee, Evaluation Fee or Document Handling Fee

Operational city

Presently present in Karnataka in Bengaluru, Davangere, Dharwad, Gulbarga, Hubli.
Soon expanding to other states and cities

Features of Personal Loan

1. Limit up to Rs. 5,00,000
2. Instant money transfer to bank account
3. No Bank Details or Pay Slip Required
4. 100% Paperless Process
5. Minimum documents. no printout required
6. Flexible Loan and EMI Amount Options
7. Instant Eligibility Check
8. No Security Deposit (Collateral)
9. Zero Foreclosure Charges

Check Eligibility

1. Indian Citizen
2. Age above 18 years
3. Select Cities

Documents required

1. PAN Number
2. Aadhaar Number

How to apply

1. Install Navi App
2. Register using your mobile number
3. Fill in your basic details to check your loan eligibility
4. Select the loan and EMI amount of your choice
5. Selfie and complete KYC with Aadhaar
6. Enter Bank Details for Money Transfer
7. Done

Contact help@navi.com with any queries you may have.

Operational city
• Delhi NCR - New Delhi, Gurgaon, Noida, Greater Noida, Ghaziabad, Faridabad
• Chandigarh
• Maharashtra: Mumbai, Navi Mumbai, Thane, Pune, Nagpur, Ahmed Nagar, Kolhapur, Aurangabad, Nashik, Satara
• Karnataka: Bangalore, Mysore, Udupi, Dharwad, Kolar, Hassan, Mandya
• Tamil Nadu: Chennai, Tiruchirappalli, Erode, Madurai, Vellore, Salem
• West Bengal: Kolkata, Hooghly, Howrah
• Punjab: Amritsar, Ludhiana, Jalandhar, Mohali, Ropar, Bathinda, Fatehgarh Sahib
• Gujarat: Ahmedabad, Vadodara, Valsad
• Telangana: Hyderabad, Secunderabad, Mahbubnagar
• Madhya Pradesh: Indore
• Odisha: Bhubaneswar, Cuttack
• Rajasthan: Jaipur, Udaipur, Ajmer, Alwar, Kota, Jhunjhunu
• Uttar Pradesh: Ghaziabad, Noida, Lucknow, Jhansi
• Uttarakhand: Dehradun
• Bihar: Patna, Gaya
• Jharkhand: Ranchi
• Andhra Pradesh: Visakhapatnam (Vizag), Anantapur, Chittoor, Guntur, Krishna, East Godavari
• Haryana: Ambala, Karnal, Kurukshetra, Panchkula, Panipat
• Kerala: Ernakulam, Kollam, Kottayam, Thiruvananthapuram, Thrissur
• Pondicherry

Navi Finserve Private Limited (a non-deposit taking systemically important NBFC registered and regulated by RBI) is our lending partner and a company within the Navi group of companies with the Navi brand. Navi App is a platform that facilitates loan transactions between borrowers and Navi Finserve Private Limited, an NBFC registered with RBI.




Our office address is:
Navi,
3rd Floor, Salarpuria Business Centre, 93, 5th A Block, Koramangala
Bangalore - 560095

Mutual Funds

In this way you can get instant loan


We all suddenly need money. Then we either borrow from a known connoisseur or take a loan. But getting a loan always takes time. Banks and financial institutions have their own procedures, which are followed by loans. But if you need instant loan, there are 2 ways to get instant money. It's simple and most people use it. Motabag Bank offers a facility where you can pre-set your loan limit and use it as and when required. If you do not use such limit, then you do not have to pay interest either. So let's know what are these two methods.

insurance and investment

If you have insurance or have invested in mutual funds, you can easily get a loan from a bank or financial institution. Banks and financial institutions provide loans by pledging your insurance policy and mutual funds. This scheme is available under different names in all banks and financial institutions.

How to get loan against insurance policy

Getting a loan against an insurance policy is easy. If the surrender value of the insurance policy is compounded, the bank will accordingly give the loan. The surrender value of an insurance policy is the amount that is paid before the insurance is completed. Banks and financial institutions usually give you loans ranging from 80 to 90 percent of the surrender value of the insurance policy. The bank sends your policy to the insurance company and hands it over to the bank. This means that if you do not repay the loan, the insurance company pays the policy money to the bank.

You can also take loan against mutual funds

Banks and financial institutions also give you loans instead of mutual funds. The company allots you one unit while investing in a mutual fund. The price of this unit is announced by the companies daily. This is called net asset value. When you ask for a loan from a bank or financial institution, it gives loan based on the value of the mutual fund. Generally, if the investment value of a mutual fund is 1 lakh, then you can get a loan of 50 thousand to 75 thousand. For loan, your mutual fund unit is allotted in the name of the bank. When you pay off the loan, it goes back to your name. If you have invested heavily in mutual funds. So the bank is assigned the same number of units as you are taking the loan. Rest of the mutual fund units are free.

Thus interest is charged

Loans obtained against insurance and mutual funds usually charge the same interest as personal loans. But the advantage is that if you repay the loan in a month, you will get the same interest. There is no time limit to repay the loan. And the bank also does not charge a fee for quick repayment of the loan.
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