Disclaimer: Navi Finserv is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Navi Finserv for home loans. No offers/services from Navi Finserv are being provided by Paisabazaar for home loans. For further information about Navi Finserv for home loans, users are required to reach out directly to Navi Finserv.
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Navi Home Loan Highlights |
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| Interest Rate | Up to 13% p.a. |
| Loan Amount | Up to Rs 5 crore |
| LTV Ratio | Up to 90% |
| Loan Tenure | Up to 30 years |
| Processing Fees | NIL |
Note: Rates as of 27 November 2024
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Table of Contents
Navi Home Loan Interest Rates
The interest rates for Navi home loan is up to 13% p.a. The final home loan interest rate offered to the applicants depending on age, monthly income, job profile, credit score, loan repayment history, employer’s income, etc.
Compare Navi Finserv Home Loan Interest Rates vs Other Lenders
| Name of Lender | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh | |
| SBI | 8.50%-9.85% p.a. | 8.50%-9.85% p.a. | 8.50%-9.85% p.a. | Apply Now |
| HDFC Bank Limited | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| LIC Housing Finance | 8.50% - 10.35% p.a. | 8.50% - 10.55% p.a. | 8.50% - 10.75% p.a. | Apply Now |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| Kotak Mahindra Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| PNB Housing Finance | 8.50% - 14.50% p.a. | 8.50% - 14.50% p.a. | 8.50%-11.45% p.a. | Apply Now |
| Punjab National Bank | 8.45% - 10.25% p.a. | 8.40% - 10.15% p.a. | 8.40% - 10.15% p.a. | Apply Now |
| Bank of Baroda | 8.40% - 10.65% p.a. | 8.40% - 10.65% p.a. | 8.40% - 10.90% p.a. | Apply Now |
| IDFC First Bank | 8.85% p.a. onwards | 8.85% p.a. onwards | 8.85% p.a. onwards | Apply Now |
| L&T Finance Limited | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Apply Now |
| Tata Capital Housing Finance | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| Federal Bank | 8.80% p.a. onwards | 8.80% p.a. onwards | 8.80% p.a. onwards | Apply Now |
| Axis Bank | 8.75%-13.30% p.a. | 8.75%-13.30% p.a. | 8.75%-9.65% p.a. | Apply Now |
| Godrej Housing Finance | 8.55% p.a. onwards | 8.55% p.a. onwards | 8.55% p.a. onwards | Apply Now |
Apply for Home Loan at Attractive Interest Rates Click Here
Navi Home Loan Processing Fees & Charges
| Particulars | Charges |
| Processing Fee | NIL |
| Legal and Valuation Charges | NIL |
| Login Fees | NIL |
| Administrative Fee | NIL |
| Loan Cancellation Charges | NIL |
| EMI Bounce Charges | Rs 1,180 per bounce |
| Penal Interest for delayed payment of EMI | 24% p.a. for the outstanding EMIs for the delayed period |
| Pre-payment, Foreclosure – Fixed Rate home loan | NIL |
| Rate Change- Reduction in Floating Rate (same product variant) | NIL |
| Rate Change – Switch between different product variants (for instance, floating external linked to floating internal linked) | NIL |
Eligibility Criteria for Navi Home Loan
Stated below are the home loan eligibility criteria for instant approval for a loan at Navi Finserv
- Indian Resident
- Salaried Individuals
- Age: 22-62 years
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Documents Required for Navi Home Loan
The following documents are required to apply for a home loan from Navi Finserv:
- PAN Card
- Aadhaar Card
- Bank Statements or GST Returns
Navi Home Loan EMI Calculator
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395