How to Get Instant Loan from Navi App in 2025
If you need a personal loan instantly, the Navi Loan App offers a completely paperless and fast disbursal process directly to your bank account. The application supports loans up to ₹1.5 lakh and takes just minutes to complete.
Key Features of Navi Loan App
- 100% paperless process
- Loan up to ₹1.5 lakh
- Instant disbursal within 24 hours
- No physical branch visit required
- Aadhaar + PAN-based KYC
- Flexible EMI options
Step-by-Step Process to Apply for Navi Loan
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Install and Open Navi App
- Download from Google Play Store.
- Enter your mobile number and verify with OTP.
- Grant permissions (location, etc.).
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Start Loan Application
- Tap on Loan → Click on Get Cash.
- Accept terms and tap Continue.
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Enter Personal Details
- Enter your name (as per PAN), date of birth, and PAN number.
- Choose employment type (salaried/self-employed).
- Mention monthly income (must be ₹35,000 or more).
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Bank Verification
- Select your bank (e.g., HDFC, SBI).
- Enter OTP sent to your bank-linked mobile number.
- Consent to verify and proceed.
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Loan Offer
- Based on your eligibility, Navi offers a loan (e.g., ₹1.5 lakh).
- Use “Edit Offer” to modify amount or EMI tenure (6 months to 3 years).
- Click Transfer Cash to Bank.
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Aadhaar e-KYC (DigiLocker Integration)
- Choose to verify via Aadhaar/DigiLocker.
- Enter Aadhaar number → OTP verification.
- Your eKYC is completed instantly.
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Video KYC
- Available between 9 AM to 5 PM.
- Keep your original Aadhaar, PAN card, a blank paper, and pen ready.
- Show your documents on camera and provide your signature.
- Complete video verification with Navi executive.
Loan Disbursal Time
Once KYC and video verification are complete, the loan amount is credited within 24 hours. You’ll also receive confirmation via SMS/email.
Documents Required
- Aadhaar Card
- PAN Card
- Linked Bank Account
- Income Proof via bank verification
Conclusion
The Navi Loan App is one of India’s fastest-growing digital lending platforms. With a simple Aadhaar and PAN-based verification, you can apply for loans up to ₹1.5 lakh from the comfort of your home. If you’re looking for an instant personal loan in 2025, this is one of the most efficient options available.
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