India is rapidly progressing towards digital and online payment methods. In the past few years, many online payment methods have been launched by the Reserve Bank of India (RBI) and several Indian banks.
Those are very easy to use and provide a cashless payment method that we can use anywhere and anytime, directly from our bank.
In today’s article, we will talk about a new UPI app whose name is the Navi UPI App. In which we can make direct online payment from our bank, and this app also provides a very good cashback on every transaction.
App Name :- Navi UPI
Size :- 23.25 MB
Downloads :- 5cr+
Rating :- 4.3+
Table of Contents
What is the Navi UPI App?
The Navi UPI app is a type of UPI payment application. It was launched by the Navi Technologies Company in August 2023. The founder of NAVI Technologies Company is Sachin Bansal, who is also the co-founder of Flipkart. Navi Technologies company was established in 2018, and its headquarters is located in Bengaluru, Karnataka, (India).
The Navi UPI app has achieved 5 crore+ users in just 2 years, which is a very good thing for Navi Technologies, and the Navi UPI app is at the 11th position in the UPI app ranking in India. Which makes you feel that it is a trusted and secure UPI payment app.
In February 2025, Sachin Bansal resigned from the post of CEO, and now he is working at Navi Technologies as executive chairman. The current CEO of Navi Technologies company is Rajiv Naresh, and Abhishek Dwivedi is the CEO of Navi Finance.
Along with UPI payment, the Navi app also provides some other services, like.
- Instant Personal Loan.
- Home Loans.
- Cash loan
- Health Insurance.
- Etc…
The Navi UPI app provides all these loan services up to 20 lakhs, and all these services are paperless.
Feature of the NAVI UPI app.
Secure UPI Payment.
The Navi UPI app is approved by NPCI, which provides high-level security when you make transactions. All payments are encrypted and protected with PIN authentication.
UPI Lite mode for mini transactions
The Navi UPI app provides you UPI Lite services for making small transactions, which you can do even without entering a PIN.
Attractive cashback offers
When you make a transaction through the Navi UPI app, the Navi app provides exciting cashback on every transaction, which you can instantly transfer to your bank account. You can use this cashback even while making direct online payment.
Direct bank-to-bank transfers
You can send money directly from one bank to another without an IFSC code, directly using a UPI ID or mobile number.
Bill payment and recharge
The Navi UPI app supports multiple bill payments like electricity, credit card bills, water, gas, recharges, etc. When you make a bill payment through the Navi UPI app, you can get 10% to 20% cashback.
Refer & Earn
The Navi UPI app also gives you a chance to earn money, in which you can earn money by referring; you get a bonus on every successful referral. Which you can easily earn by sharing it with your friends or family members.
24/7 Support
The Navi UPI app provides you 24/7 support services whenever you have a problem with UPI payment or bill payment. Along with this, it helps you in getting any type of loan services.
How to use the Navi UPI app step-by-step guide
The Navi UPI app is an all-in-one digital finance payment app that provides you with multiple features like UPI payments, loan services, insurance, and investment, etc.
If you are a new user and you want to use the Navi UPI app, then you have been guided step by step below. You can use the Navi UPI app by following them.
1. Download the app from the Play Store.
To download the Navi UPI app, you have to go to the Play Store or App Store and search for the Navi UPI app, identify the official app, and then download it.
2. Linked your number or bank account.
After downloading the Navi UPI app, you must log in with your registered bank account phone number and then link your bank account.
3. Create UPI ID.
After linking your bank account, you will get a default UPI ID and QR code using which you can receive the app payment directly in your bank account. You can also change this UPI ID as per your wish.
4. Scan & Pay
After linking the bank account and creating the UPI ID, you can send money directly from your bank account to another bank account using the Navi UPI app.
To transfer money from your bank to another bank, you just have to enter the recipient’s UPI ID or scan the QR code and make the payment. You can also send the payment to the recipient’s bank account by using the recipient’s bank account number or IFSC code.
5. Get Rewards and Cashback
You will get coins on every transaction; whether you make a bill payment or make a payment at any shop, you will get some coins on every transaction (10 coins = ₹1).
How to get an instant loan through the NAVI UPI app.
Navi app is a trusted digital finance app that provides an instant personal loan to the user along with UPI payment without any paperwork. This process is 100% paperless, and you can apply it from home. To take a personal loan from the Navi app, you need some documents like PAN card number, Aadhar card, and address, which are compulsory. Because when you are given a loan, your eligibility is checked hence, this document is compulsory. Below I have told you what the eligibility criteria are for a personal loan in the Navi UPI app.
- Age: 18 to 65 years old
- Nationality: Indian
- Employment: Salaried or Self-employed
- Documents: Valid PAN Card and Aadhar Card.
Feature of Navi personal loan.
1. Loan amount
Navi UPI can give you an instant personal loan of Rs 10,000 to 10 lakh, which is 100% paperless.
2. Interest Rate
In the Navi UPI app, the interest rate starts from 9.9% p.a., which depends on your loan amount and tenure, i.e., for how long you are taking the loan.
3. Processing fee
The Navi UPI app charges a 0% processing fee on some specific loan products like home loans, but on any other loan product, the processing fee ranges from ₹1499 to ₹7499 + GST.
4. 0% Pre-Closure Charge
When you want to close a loan, the Navi UPI app charges a 0% pre-closure fee, which is a very good thing.
Conclusion
Navi UPI app is a digital finance payment app that also provides a loan facility along with UPI payment. In this, you can take a loan of up to 10 lakhs, which is 100% paperless. Navi UPI also provides you some other services like insurance and investment.
If you are looking for a UPI app that fulfills financial services, then you can use the Navi UPI app, which gives you exciting rewards and cashback and different types of financial services.