Navi Personal Loan EMI Calculator
Calculate your monthly EMI for Navi personal loans at 9.9%-45% interest for amounts up to ₹20,00,000.
₹
₹10,000₹20,00,000
%
9.9%45.0%
3 Mo72 Mo
Monthly EMI
₹9,220
Total Interest
₹21,274
Total Payment
₹2,21,274
Monthly EMI
₹9,220
Principal Amount
₹2,00,000 (90.4%)
Total Interest
₹21,274 (9.6%)
Amortization Schedule
| Year | Principal | Interest | Total Paid | Balance |
|---|---|---|---|---|
| Year 1 | ₹95,076 | ₹15,564 | ₹1,10,640 | ₹1,04,924 |
| Year 2 | ₹1,04,924 | ₹5,710 | ₹1,10,640 | ₹0 |
Navi Personal Loan at a Glance
Interest Rate
9.9%
to 45%
Max Amount
₹20,00,000
min ₹10,000
Min CIBIL
650
minimum score
Tenure
Up to 72 mo
min 3 months
Navi Loan Details
| Interest Rate | 9.9% — 45% p.a. |
| Loan Amount | ₹10,000 to ₹20,00,000 |
| Tenure | 3 to 72 months |
| Processing Fee | Nil |
| Prepayment Charges | Nil |
| Min CIBIL Score | 650+ |
| Min Monthly Salary | ₹15,000 |
| Age Requirement | 18 to 65 years |
| Employment Types | Salaried, Self-employed |
| Disbursal Time | 5 minutes |
EMI Example: ₹2,00,000 at 9.9%
Loan Amount: ₹2,00,000
Interest Rate: 9.9% p.a. (best rate)
Tenure: 24 months
Monthly EMI: ₹9,220
Total Interest: ₹21,280
Total Payment: ₹2,21,280
Pros
- +Zero processing fee
- +Zero prepayment charges
- +Fastest disbursals (5 mins)
- +Low starting rate (9.9%)
Cons
- -Rate can go up to 45% for low CIBIL
- -Relatively new brand
Navi EMI Calculator — FAQs
What is the EMI for a Navi personal loan?
For a ₹2,00,000 loan at 9.9% interest for 24 months, the EMI would be approximately ₹9,220 per month. Total interest payable would be ₹21,280. Use the calculator above to try different amounts and tenures.
What interest rate does Navi charge on personal loans?
Navi charges personal loan interest rates starting from 9.9% p.a. going up to 45% p.a. The actual rate depends on your credit score, income, employment type, and existing obligations. A CIBIL score of 750+ typically gets you rates closer to the lower end.
What is the minimum CIBIL score for a Navi personal loan?
The minimum CIBIL score required for a Navi personal loan is 650. A higher score (750+) will help you get a lower interest rate and better terms.
Can I prepay my Navi personal loan early?
Navi's prepayment policy: Nil. Prepaying your loan reduces the outstanding principal and can save you significant interest over the remaining tenure. Use the calculator to see how much you can save.
How fast does Navi disburse personal loans?
Navi typically disburses personal loans within 5 minutes. Disbursal time depends on document verification, KYC completion, and your profile. Existing Navi customers may get faster disbursal through pre-approved offers.
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Calculate EMI →Compare Navi with 14 other lenders — automatically
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