Introduction
Friends, in this Blog I am going to tell you how you can apply for a personal loan through the nvi application. Some time ago, the nvi application was banned so that it cannot issue personal loans, but friends, now the ban has been completely lifted, you can go and apply for your personal loan instantly, but friends , after the ban is lifted, a question will definitely come in our mind that whether the charges etc. that were already there on the navi application have been increased or have they been maintained, so first of all I will clear the eligibility criteria etc.
Table of Contents
Loan Limits, Rates, and Tenure
It is available and here you can apply for a maximum loan of ₹20 lakh and the maximum interest rate here is up to 26% . I will tell you the minimum rate here which is 15 to 16%. You can also get loans easily, here you can see that you get a maximum tenure of 84 months and you can apply for this loan with zero four close charges, if I show you here by clicking on no more, then here you will see an option of financial requirement, I simply click on it, then see brother the section for applying loan has opened, but friends, before applying for the loan, let me also tell you the document once,
see, first of all you need your Aadhar card, you need a PAN card and let’s assume if you want to apply a loan of a slightly higher amount like 2 lakh 3 lakh 4 lakh, then brother here you also need income proof and brother let’s assume if you apply a loan of a slightly lower amount, then there your loan gets approved even without any income proof and gets credited inside your bank account.
CIBIL Score and Registration
I am not able to do it, you will have to register here through your primary number and after that fetch your civil score, the biggest advantage of fetching the civil score will be that brother, you will get to see the loan option here and If you check your civil score here regularly , then it will not have any impact on your civil score. So friends, now to apply for a loan, we simply come back. After that, we go to the loan section here. Now I simply click on get cash here. Now here you can see that we will apply for a loan here through nav finsv.com. So brother, let me tell you the complete process from starting to ending.
Filling Personal Details
So friends, now to take a loan, first of all you have to enter some personal details here, like your full name will come here. Your PAN card will come after that. Your date of birth will come here, that too should be according to your PAN card. And here you simply have to enter your PAN card number. Here you have to enter your pin code so that Navi can already see whether their service is available in your area or not.
Bank Verification and Offer
Then friends, here you can see that our bank statement is being found . Now all the accounts that were linked to my mobile number have come. Now I will select one of these accounts which I want to get verified. So friends, now here you can see that after selecting the account, now an OTP will come again on your number. You have to enter that OTP here and simply click on Verify OTP. After the OTP is verified,Here and here you can see that I have been given a loan of up to ₹ 3,60,000.
| Loan Offer Snapshot | |
|---|---|
| Approved limit range | I have been given a loan of up to ₹ 3,60,000 … minimum limit of up to ₹ 10,000 |
| Processing fee | You will have to pay ₹13,400 as processing fee, my fee is zero |
Bank Account and Final Steps
after continuing, here you simply have to select the bank account In whichever bank you want to receive this money, here you have to simply enter the bank name, account number, IFSC code, these three things, after that you have to accept their terms and conditions and finally you have to click on the next button, so friends here you can see that I have filled up all my details, now I simply next it, after clicking next, our bank account here will go into processing, after going into processing, here you can see that our bank account has been successfully fetched, basically ₹1 has been credited in our account,
Alternate Option if Rejected
so friends, in this way you can apply for loan through Navi application You can do it but friends, let’s assume that if your loan gets rejected here in the last, then I will give you a link to a best application inside the description box, whose name is bajaj finance. If you want, you can also apply for loan from here, its approval rate here has become a bit high, I will give you its direct link inside the description box below.
