Navi
Navi is a mobile-first digital financial services platform in India offering UPI payments, personal and home loans, health insurance, and mutual fund investments through a single app. The platform provides instant loan disbursals with fully paperless KYC, zero processing fees on home loans, and mutual fund investments starting at ₹100. Navi also offers a loan-against-property product with up to ₹5 crore in funding and LTV up to 70%.
- Financial Technology
- Insurance Technology
- Artificial Intelligence
- Software Only
- Data & Analytics
- Applications
- Hospitality & Travel Technology
Funding
Raised to date
$100MRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
across 1 round
$100M · Undisclosed
Announced Aug 2026 · from article date
Disclosed cumulative: $100M
Founders
Product
Problem
Consumers often face complex, time-consuming processes when applying for financial products like loans, credit cards, and insurance, with opaque terms and slow approval times. Traditional financial institutions frequently require extensive paperwork, in-person visits, and lengthy verification periods, creating friction for users seeking quick and transparent access to credit and other financial services.
Solution
Navi provides a comprehensive digital financial services platform that simplifies access to personal loans, home loans, credit cards, and insurance through a single mobile application. The platform uses automated underwriting and verification processes to deliver instant loan approvals and disbursals, eliminating the need for physical documentation. Users can manage their entire financial portfolio—from loan repayments to credit card usage and insurance policies—through an intuitive dashboard. Navi also offers a digital savings account, UPI payments, and mutual fund investments, creating an all-in-one financial ecosystem that prioritizes speed, transparency, and user control.
Target Audience
Primary customers are individual consumers in India seeking quick, paperless access to credit products, insurance, UPI payments, and investment tools through a mobile-first platform.
Features
- Instant personal and home loan approvals with fully digital KYC and e-signature processes
- Cash loans up to ₹20,00,000 with interest rates up to 26% and repayment periods up to 84 months
- Home loans with zero processing fees and instant sanction letters
- Loan against property with LTV up to 70%, zero processing fees, and repayment periods up to 20 years
- Health insurance plans offering up to ₹1 crore coverage with monthly premiums starting at ₹522
- Mutual fund investments starting at ₹100, including index funds like the Navi Nifty 500 Multicap 50:25:25 Index Fund and Navi BSE Sensex Index Fund
- UPI payments with instant money transfers and reward opportunities on every transaction
- 100% paperless process with minimal documentation and 24/7 customer support