Aapko kabhi bhi kisi emergency mein paisa ki zaroorat pad sakti hai. Chahe wo kisi medical kharche ke liye ho, ya kisi shadi ya ghar ki sajawat ke liye. Aise mein aap bank se loan lene ki sochte hain, lekin bank ka process bahut lamba aur mushkil hota hai. Aapko bahut saare documents dikhane padte hain, aur fir bhi approval milne mein time lagta hai. Aur agar aapka credit score kam hai, to aapko loan milna bhi mushkil hai.
Isliye aaj hum aapko batane ja rahe hain ek aise loan app ke baare mein, jo aapke sapno ko pura karne mein aapki madad karega. Wo hai Navi Loan App. Navi Loan App ek digital lending platform hai, jo aapko instant personal loans deta hai, bina kisi collateral ya guarantor ke. Aapko sirf apna aadhaar card aur PAN card dikhana hai, aur aapko loan approval mil jayega. Aapko kisi branch ya agent se milne ki zaroorat nahi hai, aap apne phone se hi loan apply kar sakte hain.
Navi Loan App ke founder hai Sachin Bansal, jo Flipkart ke co-founder aur former CEO hain. Unhone Navi Technologies ko 2018 mein launch kiya tha, aur uske baad se Navi Loan App ko bhi launch kiya hai. Navi Loan App ka mission hai, ki har Indian ko affordable aur accessible credit provide karna. Navi Loan App aapko aapke financial needs ke hisab se customized loans deta hai, jo aapke budget mein fit hote hain. To chaliye jaante hain, ki Navi Loan App ka use kaise karna hai, aur iske kya fayde hain. Navi Loan App Review
Introduction
What is Navi Loan App and who is behind it
- Navi Loan App ek digital lending platform hai, jo aapko instant personal loans deta hai, bina kisi collateral ya guarantor ke.
- Navi Loan App ke founder hai Sachin Bansal, jo Flipkart ke co-founder aur former CEO hain.
- Navi Loan App ka mission hai, ki har Indian ko affordable aur accessible credit provide karna.
What are the benefits of using Navi Loan App
- Navi Loan App aapko kuch hi minutes mein loan approval deta hai, aur aapke bank account mein paisa transfer kar deta hai.
- Navi Loan App aapko flexible loan amount, tenure, aur interest rate deta hai, jo aapke financial needs ke hisab se customized hote hain.
- Navi Loan App aapko paperless aur hassle-free loan process deta hai, jisme aapko sirf apna aadhaar card aur PAN card upload karna hai.
- Navi Loan App aapko low credit score par bhi loan deta hai, aur aapke repayment behaviour ke hisab se aapka credit score improve karta hai.
- Navi Loan App aapko 24×7 customer support deta hai, aur aapko kisi bhi query ya complaint ka solution deta hai.
What are the types of loans available on Navi Loan App
- Navi Loan App aapko do tarah ke loans deta hai, Personal Loan aur Salary Advance Loan.
- Personal Loan aapko kisi bhi personal kharche ke liye milta hai, jaise ki medical emergency, education, travel, wedding, home renovation, etc. Aap is loan ko 3 months se 36 months tak repay kar sakte hain, aur aapko 12% se 36% tak ka interest rate milta hai. Aap is loan mein 10,000 se 5 lakh tak ka amount le sakte hain.
- Salary Advance Loan aapko aapki salary se pehle kuch extra cash deta hai, jo aapko kisi urgent zaroorat ke liye use kar sakte hain. Aap is loan ko 15 days se 90 days tak repay kar sakte hain, aur aapko 0% se 36% tak ka interest rate milta hai. Aap is loan mein 1,000 se 50,000 tak ka amount le sakte hain.
How to download and register on Navi Loan App
- Navi Loan App ko download karna bahut aasan hai. Aapko sirf Google Play Store se Navi Loan App ko install karna hai, aur apna mobile number verify karna hai.
- Uske baad, aapko apna basic information fill karna hai, jaise ki name, date of birth, gender, email, etc.
- Fir, aapko apna aadhaar card aur PAN card upload karna hai, aur apna selfie lena hai. Aapka identity verification ho jayega.
- Aakhir mein, aapko apna bank account link karna hai, jisme aapko loan amount receive karna hai. Aapka registration complete ho jayega.
How to Apply for a Loan on Navi Loan App
What are the eligibility criteria and documents required
- Navi Loan App se loan lene ke liye, aapko kuch eligibility criteria fulfill karna hai, jo ye hain:
- Aapka age 18 years se 65 years ke beech hona chahiye.
- Aapka Indian citizen hona chahiye, aur aapka aadhaar card aur PAN card hona chahiye.
- Aapka kisi bhi scheduled commercial bank ka account hona chahiye, aur aapka bank statement 3 months ka hona chahiye.
- Aapka kisi bhi source se regular income hona chahiye, aur aapka salary slip ya income proof hona chahiye.
- Navi Loan App se loan lene ke liye, aapko sirf do documents upload karne hain, jo ye hain:
- Aadhaar card: Aapka aadhaar card aapka identity proof hai, aur isse aapka KYC verification hota hai.
- PAN card: Aapka PAN card aapka financial proof hai, aur isse aapka credit score check hota hai.
How to fill the loan application form and upload the documents
- Navi Loan App se loan apply karna bahut simple hai. Aapko sirf ye steps follow karne hain:
- Navi Loan App ko open karein, aur Apply for Loan button par click karein.
- Aapko loan amount aur tenure choose karna hai, aur Continue button par click karna hai.
- Aapko apna personal, professional, aur financial information fill karna hai, aur Submit button par click karna hai.
- Aapko apna aadhaar card aur PAN card upload karna hai, aur Verify button par click karna hai.
- Aapka loan application form complete ho jayega, aur aapko loan approval ka status dikhega.
How to verify your identity and bank account
- Navi Loan App aapko instant verification deta hai, jisme aapko kuch hi seconds mein loan approval mil jata hai. Aapko sirf ye steps follow karne hain:
- Aapko apna aadhaar card aur PAN card upload karna hai, aur Verify button par click karna hai.
- Aapko apna selfie lena hai, aur Confirm button par click karna hai.
- Aapka identity verification ho jayega, aur aapko loan offer dikhega.
- Aapko apna bank account link karna hai, jisme aapko loan amount receive karna hai. Aapko apna bank name, account number, aur IFSC code enter karna hai, aur Link Account button par click karna hai.
- Aapka bank account verification ho jayega, aur aapko loan agreement dikhega.
- Aapko loan agreement ko accept karna hai, aur Confirm Loan button par click karna hai.
- Aapka loan approval ho jayega, aur aapke bank account mein paisa transfer ho jayega.
How to choose the loan amount, tenure, and interest rate
- Navi Loan App aapko flexible loan amount, tenure, aur interest rate deta hai, jo aapke financial needs ke hisab se customized hote hain. Aapko sirf ye steps follow karne hain:
- Navi Loan App ko open karein, aur Apply for Loan button par click karein.
- Aapko loan amount aur tenure choose karna hai, aur Continue button par click karna hai.
- Aapko loan amount slider se apni desired loan amount choose karna hai, jo 10,000 se 5 lakh tak ho sakti hai.
- Aapko loan tenure slider se apni desired loan tenure choose karna hai, jo 3 months se 36 months tak ho sakta hai.
- Aapko interest rate slider se apni desired interest rate choose karna hai, jo 12% se 36% tak ho sakta hai.
- Aapko loan offer dikhega, jisme aapko loan amount, tenure, interest rate, EMI, processing fee, aur total payable amount dikhega.
- Aapko loan offer ko accept karna hai, aur Continue button par click karna hai.
How to Repay the Loan on Navi Loan App
What are the repayment options and modes
- Navi Loan App aapko easy aur convenient repayment options aur modes deta hai, jo aapke loan repayment ko smooth aur stress-free banata hai. Aapko sirf ye steps follow karne hain:
- Navi Loan App ko open karein, aur Repay Loan button par click karein.
- Aapko apna loan account choose karna hai, jiska repayment aap karna chahte hain.
- Aapko repayment option choose karna hai, jo ye ho sakte hain:
- Pay EMI: Aap is option se apna monthly EMI pay kar sakte hain, jo aapke loan agreement mein fixed hai.
- Pay Partial: Aap is option se apna loan amount mein se kuch amount pay kar sakte hain, jo aapke interest rate aur tenure ko reduce karega.
- Pay Full: Aap is option se apna loan amount poora pay kar sakte hain, jo aapke loan account ko close karega.
- Aapko repayment mode choose karna hai, jo ye ho sakte hain:
- Auto Debit: Aap is mode se apna repayment amount automatically apne bank account se deduct karwa sakte hain, jo aapke due date se pehle ho jayega.
- UPI: Aap is mode se apna repayment amount manually apne UPI app se pay kar sakte hain, jo aapke Navi Loan App ke UPI ID par transfer ho jayega.
- Debit Card: Aap is mode se apna repayment amount manually apne debit card se pay kar sakte hain, jo aapke Navi Loan App ke payment gateway par process ho jayega.
How to check the loan status and repayment schedule
- Navi Loan App aapko apne loan status aur repayment schedule ko track karne ka feature deta hai, jo aapko apne loan repayment ko manage karne mein help karta hai. Aapko sirf ye steps follow karne hain:
- Navi Loan App ko open karein, aur My Loans button par click karein.
- Aapko apna loan account choose karna hai, jiska status aur schedule aap dekhna chahte hain.
- Aapko loan status dikhega, jisme aapko ye information dikhegi:
- Loan Amount: Aapka loan amount jo aapne liya tha.
- Loan Balance: Aapka loan balance jo aapko abhi baki hai.
- EMI Amount: Aapka EMI amount jo aapko har mahine pay karna hai.
- Due Date: Aapka due date jo aapko har mahine EMI pay karna hai.
- Overdue Amount: Aapka overdue amount jo aapko late payment ki wajah se pay karna hai.
- Loan Status: Aapka loan status jo aapke loan account ka current state batata hai, jaise ki active, closed, overdue, etc.
- Aapko repayment schedule dikhega, jisme aapko ye information dikhegi:
- Month: Aapka month jo aapke loan tenure ka hissa hai.
- Principal: Aapka principal jo aapke loan amount ka hissa hai, jo aapko har mahine pay karna hai.
- Interest: Aapka interest jo aapke loan amount ka hissa hai, jo aapko har mahine pay karna hai.
- Total: Aapka total jo aapka principal aur interest ka sum hai, jo aapko har mahine pay karna hai.
How to pay the EMI and other charges
- Navi Loan App aapko apna EMI aur other charges pay karne ka feature deta hai, jo aapko apne loan repayment ko timely aur hassle-free banata hai. Aapko sirf ye steps follow karne hain:
- Navi Loan App ko open karein, aur Repay Loan button par click karein.
- Aapko apna loan account choose karna hai, jiska EMI aur other charges aap pay karna chahte hain.
- Aapko Pay EMI option choose karna hai, aur Continue button par click karna hai.
- Aapko apna EMI amount dikhega, jo aapko pay karna hai. Aapko yaha par other charges bhi dikhege, agar aapko koi late payment fee, bounce charge, ya GST pay karna hai, to.
- Aapko apna repayment mode choose karna hai, jo aapko Auto Debit, UPI, ya Debit Card mein se koi bhi choose kar sakte hain.
- Aapko apna repayment amount pay karna hai, jo aapke chosen mode ke hisab se process hoga.
- Aapko payment confirmation dikhega, aur aapka EMI aur other charges pay ho jayega.
How to get the NOC and loan closure confirmation
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- Navi Loan App aapko apna NOC aur loan closure confirmation download karne ka feature deta hai, jo aapko apne loan account ko officially close karne mein help karta hai. Aapko sirf ye steps follow karne hain:
- Navi Loan App ko open karein, aur My Loans button par click karein.
- Aapko apna loan account choose karna hai, jiska NOC aur loan closure confirmation aap download karna chahte hain.
- Aapko loan status dikhega, jisme aapko Closed dikhega, agar aapka loan account close ho gaya hai, to.
- Aapko Download NOC button par click karna hai, aur aapka NOC download ho jayega. NOC aapka No Objection Certificate hai, jo aapko batata hai, ki aapne apna loan poora pay kar diya hai, aur aapke loan account se koi objection nahi hai.
- Aapko Download Loan Closure Confirmation button par click karna hai, aur aapka loan closure confirmation download ho jayega. Loan closure confirmation aapka loan account ka final statement hai, jo aapko batata hai, ki aapne apna loan amount, interest rate, tenure, EMI, aur other charges kaise pay kiye hain, aur aapka loan account kis date par close hua hai.
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How to Manage Your Loan Account on Navi Loan App
How to access your loan details and history
- Navi Loan App aapko apne loan details aur history ko access karne ka feature deta hai, jo aapko apne loan account ko monitor karne mein help karta hai. Aapko sirf ye steps follow karne hain:
- Navi Loan App ko open karein, aur My Loans button par click karein.
- Aapko apna loan account choose karna hai, jiska details aur history aap dekhna chahte hain.
- Aapko loan details dikhega, jisme aapko ye information dikhegi:
- Loan ID: Aapka loan ID jo aapke loan account ka unique identifier hai.
- Loan Type: Aapka loan type jo aapke loan account ka category hai, jaise ki personal loan ya salary advance loan.
- Loan Amount: Aapka loan amount jo aapne liya tha.
- Loan Balance: Aapka loan balance jo aapko abhi baki hai.
- Loan Tenure: Aapka loan tenure jo aapne choose kiya tha, jaise ki 3 months ya 36 months.
- Interest Rate: Aapka interest rate jo aapke loan amount par applicable hai, jaise ki 12% ya 36%.
- EMI Amount: Aapka EMI amount jo aapko har mahine pay karna hai.
- Due Date: Aapka due date jo aapko har mahine EMI pay karna hai.
- Overdue Amount: Aapka overdue amount jo aapko late payment ki wajah se pay karna hai.
- Loan Status: Aapka loan status jo aapke loan account ka current state batata hai, jaise ki active, closed, overdue, etc.
- Aapko loan history dikhega, jisme aapko ye information dikhegi:
- Date: Aapka date jo aapke loan account ka transaction ka date hai.
- Transaction Type: Aapka transaction type jo aapke loan account ka transaction ka type hai, jaise ki disbursal, repayment, bounce, etc.
- Transaction Amount: Aapka transaction amount jo aapke loan account ka transaction ka amount hai.
- Transaction Status: Aapka transaction status jo aapke loan account ka transaction ka status hai, jaise ki success, failure, pending, etc.
How to update your personal and banking information
- Navi Loan App aapko apna personal aur banking information update karne ka feature deta hai, jo aapko apne loan account ko secure aur updated rakhne mein help karta hai. Aapko sirf ye steps follow karne hain:
- Navi Loan App ko open karein, aur Profile button par click karein.
- Aapko apna personal information dikhega, jisme aapko ye information dikhegi:
- Name: Aapka name jo aapne registration ke time diya tha.
- Date of Birth: Aapka date of birth jo aapne registration ke time diya tha.
- Gender: Aapka gender jo aapne registration ke time diya tha.
- Email: Aapka email jo aapne registration ke time diya tha, aur jisse aapka loan account linked hai.
- Mobile Number: Aapka mobile number jo aapne registration ke time diya tha, aur jisse aapka loan account linked hai.
- Aapko apna banking information dikhega, jisme aapko ye information dikhegi:
- Bank Name: Aapka bank name jo aapne registration ke time diya tha, aur jisme aapka loan amount receive aur repay hota hai.
- Account Number: Aapka account number jo aapne registration ke time diya tha, aur jisme aapka loan amount receive aur repay hota hai.
- IFSC Code: Aapka IFSC code jo aapne registration ke time diya tha, aur jo aapke bank account ka identifier hai.
- Aapko Edit button par click karna hai, agar aapko apna personal ya banking information update karna hai, to.
- Aapko apna updated information enter karna hai, aur Save button par click karna hai.
- Aapka personal ya banking information update ho jayega, aur aapko confirmation dikhega.
How to contact the customer care and raise a query or complaint
- Navi Loan App aapko apna customer care contact karne aur query ya complaint raise karne ka feature deta hai, jo aapko apne loan account se related kisi bhi problem ka solution deta hai. Aapko sirf ye steps follow karne hain:
- Navi Loan App ko open karein, aur Help button par click karein.
- Aapko apna loan account choose karna hai, jisse aapka query ya complaint related hai.
- Aapko Contact Us button par click karna hai, agar aapko customer care se baat karna hai, to.
- Aapko customer care ka phone number dikhega, jisme aapko call karna hai, aur apna query ya complaint batana hai.
- Aapko customer care ka email address dikhega, jisme aapko email karna hai, aur apna query ya complaint batana hai.
- Aapko Raise a Query button par click karna hai, agar aapko koi query ya complaint online raise karna hai, to.
- Aapko query ya complaint category choose karna hai, jaise ki loan application, loan disbursal, loan repayment, loan closure, etc.
- Aapko query ya complaint description likhna hai, aur Submit button par click karna hai.
- Aapka query ya complaint raise ho jayega, aur aapko ticket number dikhega, jisse aap apna query ya complaint status track kar sakte hain.
How to refer a friend and earn rewards
- Navi Loan App aapko apna friend ko refer karne aur rewards earn karne ka feature deta hai, jo aapko apne loan account ko aur beneficial banata hai. Aapko sirf ye steps follow karne hain:
- Navi Loan App ko open karein, aur Refer and Earn button par click karein.
- Aapko apna referral code dikhega, jo aapke loan account ka unique code hai, aur jo aapko apne friend ko share karna hai.
- Aapko apna referral link dikhega, jo aapke loan account ka unique link hai, aur jo aapko apne friend ko share karna hai.
- Aapko apne friend ko referral code ya link se Navi Loan App ko download aur register karne ko kehna hai, aur loan apply karne ko kehna hai.
- Jab aapka friend loan apply karega, to aapko referral bonus milega, jo aapke loan account mein credit ho jayega.
- Aap jitne zyada friends ko refer karenge, utne zyada rewards earn karenge.
Pros and Cons of Navi Loan App
What are the advantages of Navi Loan App over other loan apps
- Navi Loan App aapko kai advantages deta hai, jo isko other loan apps se alag aur behtar banata hai. Ye advantages hain:
- Instant Approval and Disbursal: Navi Loan App aapko kuch hi minutes mein loan approval aur disbursal deta hai, jo aapko apni emergency mein paisa milne mein help karta hai.
- Flexible and Customized Loans: Navi Loan App aapko flexible aur customized loans deta hai, jo aapke financial needs aur budget ke hisab se fit hote hain.
- Paperless and Hassle-free Process: Navi Loan App aapko paperless aur hassle-free process deta hai, jisme aapko sirf apna aadhaar card aur PAN card upload karna hai, aur koi bhi collateral ya guarantor nahi chahiye.
- Low Credit Score Acceptance: Navi Loan App aapko low credit score par bhi loan deta hai, aur aapke repayment behaviour ke hisab se aapka credit score improve karta hai.
- 24×7 Customer Support: Navi Loan App aapko 24×7 customer support deta hai, aur aapko kisi bhi query ya complaint ka solution deta hai.
What are the challenges or drawbacks of Navi Loan App
- Navi Loan App aapko kuch challenges ya drawbacks bhi deta hai, jo isko other loan apps se kam aur risky banata hai. Ye challenges ya drawbacks hain:
- High Interest Rate and Charges: Navi Loan App aapko high interest rate aur charges deta hai, jo aapke loan repayment ko costly aur difficult banata hai. Aapko 12% se 36% tak ka interest rate pay karna padta hai, jo ki market se zyada hai. Aapko processing fee, late payment fee, bounce charge, aur GST bhi pay karna padta hai, jo aapke loan amount ko aur badhata hai.
- Limited Loan Amount and Tenure: Navi Loan App aapko limited loan amount aur tenure deta hai, jo aapke financial needs ko pura nahi kar sakta hai. Aapko sirf 10,000 se 5 lakh tak ka loan amount mil sakta hai, jo ki kisi badi zaroorat ke liye kam hai. Aapko sirf 3 months se 36 months tak ka loan tenure mil sakta hai, jo ki kisi long term goal ke liye kam hai.
- Technical Glitches and Errors: Navi Loan App aapko technical glitches aur errors deta hai, jo aapke loan application aur repayment ko disrupt kar sakta hai. Aapko app crash, server down, payment failure, verification failure, aur customer care unresponsive jaise problems face karne pad sakte hain, jo aapke loan experience ko spoil kar sakte hain.
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How to overcome or avoid the common issues faced by users
- Navi Loan App aapko kuch tips aur tricks deta hai, jo aapko common issues ko overcome ya avoid karne mein help karta hai. Ye tips aur tricks hain:
- Compare and Choose: Navi Loan App aapko loan amount, tenure, aur interest rate choose karne se pehle, aapko loan offer compare karne ka option deta hai, jo aapko best deal choose karne mein help karta hai. Aapko loan offer ko carefully dekhna hai, aur aapke budget aur needs ke hisab se choose karna hai.
- Read and Understand: Navi Loan App aapko loan agreement sign karne se pehle, aapko loan terms and conditions read aur understand karne ka option deta hai, jo aapko hidden charges aur penalties se bachane mein help karta hai. Aapko loan terms and conditions ko carefully padhna hai, aur koi doubt ho to customer care se clear karna hai.
- Pay on Time: Navi Loan App aapko loan repayment timely aur hassle-free karne ka option deta hai, jo aapko late payment fee aur bounce charge se bachane mein help karta hai. Aapko apna EMI amount aur due date ko yaad rakhna hai, aur apna repayment mode choose karna hai. Aapko Auto Debit mode use karna hai, agar aapko manual payment se bhoolne ka dar hai, to.
- Update and Secure: Navi Loan App aapko apna personal aur banking information update aur secure karne ka option deta hai, jo aapko identity theft aur fraud se bachane mein help karta hai. Aapko apna personal aur banking information regularly update karna hai, aur kisi ko share nahi karna hai. Aapko apna app password strong aur unique rakhna hai, aur kisi ko bata nahi karna hai.
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How to give feedback and suggestions to improve Navi Loan App
- Navi Loan App aapko apna feedback aur suggestions dene ka option deta hai, jo aapko apne loan experience ko improve karne mein help karta hai. Aapko sirf ye steps follow karne hain:
- Navi Loan App ko open karein, aur Feedback button par click karein.
- Aapko apna loan account choose karna hai, jisse aapka feedback ya suggestion related hai.
- Aapko feedback ya suggestion category choose karna hai, jaise ki loan application, loan disbursal, loan repayment, loan closure, etc.
- Aapko feedback ya suggestion rating choose karna hai, jaise ki 1 star se 5 star tak.
- Aapko feedback ya suggestion description likhna hai, aur Submit button par click karna hai.
- Aapka feedback ya suggestion submit ho jayega, aur aapko confirmation dikhega.
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Conclusion
- Navi Loan App aapko ek aisa loan app hai, jo aapke sapno ka saathi hai. Navi Loan App aapko instant, flexible, aur customized loans deta hai, jo aapke financial needs ko pura karta hai. Navi Loan App aapko paperless, hassle-free, aur secure loan process deta hai, jo aapke loan experience ko smooth aur stress-free banata hai.
- Navi Loan App aapko kuch challenges ya drawbacks bhi deta hai, jo aapko dhyaan mein rakhna hai, aur unse bachne ke liye tips aur tricks follow karna hai. Navi Loan App aapko apna feedback aur suggestions dene ka option bhi deta hai, jo aapko apne loan experience ko improve karne mein help karta hai.
- To aaj hi Navi Loan App ko download karein, aur apne sapno ko pura karein. Navi Loan App ko download karne ke liye, aap yaha click karein: Download Navi Loan App
- Aapko ye blog article kaisa laga, hume comment section mein batayein. Aur agar aapko koi query ya complaint hai, to aap hume contact karein: Contact Navi Loan App
- Aapka time aur attention ke liye dhanyawaad. Aapka din shubh ho. 🙏