📱 Navi Personal Loan Apply 2025: Step-by-Step Guide Using Aadhaar
In 2025, taking a personal loan is easier than ever with the Navi Personal Loan App. Using just your Aadhaar and PAN card, you can get up to ₹1.5 lakh disbursed directly into your bank account within 24 hours — completely paperless.
Let’s go through the full application process using the Navi app step-by-step.
🏦 Why Choose Navi Loan App?
- Instant approval and disbursal
- No physical paperwork
- EMI flexibility up to 3 years
- Upto ₹1.5 lakh loan
- 100% online via Aadhaar eKYC and video KYC
📝 Documents Required
- PAN Card
- Aadhaar Card
- Mobile number linked to Aadhaar and bank
- Bank statement (3 months)
✅ How to Apply for Navi Personal Loan (2025)
Step 1: Install and Open Navi App
- Go to Google Play Store
- Search “Navi Loan App”
- Install and open the app.
Step 2: Register with Mobile Number
- Enter your 10-digit mobile number.
- Tap “Get OTP” and verify using the OTP sent to your mobile.
- Grant permissions (location, SMS, phone).
Step 3: Start Loan Application
- Tap the Loan option from the bottom menu.
- Click on “Get Cash”
- Tick the confirmation box and tap “Continue”
Step 4: Provide Personal Details
- Enter your name as per PAN card
- Enter date of birth
- Enter your PAN card number
- Select employment type: Salaried or Self-Employed
- Declare monthly income (preferably ₹35,000+)
- Tap Next
Step 5: Upload Bank Statement
- Select your bank name
- Navi will verify your bank via OTP to your registered mobile
- Tap Proceed with Consent
Step 6: Get Loan Offer
- You’ll receive an instant loan offer, e.g. ₹1.5 lakh with ₹15,000 EMI over 12 months.
- You can edit the loan amount and EMI term.
- Select EMI start date.
- Tap “Transfer Cash to Bank”
Step 7: Aadhaar eKYC with Digilocker
- Choose Verify via Aadhaar or PAN
- Select “Aadhaar” for faster process
- Enter your 12-digit Aadhaar number
- Enter CAPTCHA and request OTP
- Verify OTP sent to Aadhaar-linked number
- KYC is done instantly via Digilocker
Step 8: Complete Video KYC
- Click “Start Video Call” between 9:00 AM – 5:00 PM
- Keep these ready:
- Blank paper and pen
- Original Aadhaar and PAN card
- On call, show documents and signature
- Verification gets completed
Step 9: Disbursal Within 24 Hours
- After verification, you’ll receive a confirmation message
- Loan amount is transferred to your bank account within 24 hours
💡 Key Features of Navi Personal Loan
- Loan up to ₹1.5 lakh
- Paperless KYC with Aadhaar
- Flexible EMI options
- Instant disbursal
- No ATM card needed
🔚 Final Words
With Navi, you can take a personal loan directly from your mobile using Aadhaar and PAN. The process is 100% digital, simple, and quick — with funds reaching your account within a day.
Apply today via Navi Personal Loan App and meet your financial needs with ease!
Also Read :PM Awas Yojana Urban 2025: How to Apply Online Before 30th May | Complete Step-by-Step Guide