Get an instant personal loan of ₹10,000 with Navi

Enjoy attractive interest rates starting at 9.9% p.a. with flexible EMI options

About ₹10,000 Personal Loan

There could be times when you might need urgent money to tackle cash crunch. This amount could be as less as ₹10,000. In such a situation, a ₹10,000 instant personal loan from Navi can come in handy.

Getting a personal loan from Navi is a breeze. All you need to do is download the Navi app and apply. The entire loan journey – from application to disbursal – is 100% paperless. What’s more? You get to enjoy attractive interest rates and flexible EMI options. Whether you need an instant ₹10,000 loan or more, we have you covered!

Features and Benefits of ₹10,000 Personal Loan

Features and Benefits of ₹10,000 Personal Loan

Apply through the Navi app and get your loan approved and disbursed to your account in a few minutes!
Enjoy competitive interest rates starting from 9.9% p.a.
No paperwork or physical interaction is required. Just download the Navi app and apply
You have the option to foreclose your loan at no extra cost
You don’t have to pledge collateral or guarantor to get the loan
Enjoy flexible repayment tenures and repay at your convenience

How to Apply for a ₹10,000 Personal Loan?

Follow the steps below to apply for an instant ₹10,000 small cash loan
Download the Navi App from Play Store or App Store
Enter a few basic details like name, address, PAN, etc., to check your eligibility
Enter the loan amount and tenure
Our representative will call you. Complete your V-KYC with PAN
Enter bank details and set up auto pay. Get instant money in your bank account

How to Apply for a ₹10,000 Personal Loan?

How To Apply

Eligibility Criteria and Documents Required

Indian Resident 18-65 years of age

PAN Card Holder

Salaried or Self-Employed

Aadhaar Card Holder

₹10,000 Personal Loan Interest Rates in India

Navi offers instant personal loans at attractive interest rates starting from 9.9% p.a. However, the final interest rate offered depends on your eligibility.
Interest Rate9.90% p.a. onwards
Processing FeeUp to ₹7,500
Loan AmountUp to ₹20 lakh
Loan Prepayment FeeNil
Loan TenureFrom 3 to 72 months

How to Calculate EMI on Personal Loan?

You can calculate your ₹10,000 loan EMI both manually and via a Online personal loan EMI calculator. Calculating your loan EMI beforehand could help you better plan and manage your finances. Here’s the formula for personal loan EMI calculation:

EMI = P × r × (1 + r)n/((1 + r)n – 1) where P= Loan amount, r= interest rate, n=tenure in number of months.

However, calculating EMI manually can be tedious and time-consuming. As an alternative, you can use our personal loan EMI calculator to instantly check your monthly repayment obligations. All you need to do is select the loan amount, tenure and interest rate, and you shall be able to view the EMI amount.

Personal Loan Calculator

Loan Amount

Rate of Interest (P.a)


Loan Tenure (Months)


Monthly EMI


Total Interest

Total Amount

Why Choose Navi for your ₹10,000 Personal Loan?

No paperwork

100% app-based paperless process. You can apply for a loan from anywhere, anytime.

Instant disbursal

If you need instant cash to cross any financial hurdle, choose Navi. It hardly takes a few minutes to apply and get the loan disbursed to your account if you are eligible.

No hidden charges

Extremely transparent process with no additional or hidden charges. In case you have any doubt, feel free to write to us or check our rate card.

Trusted by Millions of Users

1 M+
App Downloads
1 L+
Loan Sanctioned
1 Cr+
Loan amount disbursed
1 L+
Active Loans

What our customers say about us


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Frequently asked questions

Your personal loan interest rate is decided based on various parameters, including but not limited to your credit score, repayment capacity, and loan amount.

Here are some of the factors you could consider before taking a personal loan:

  • Credit score: Your credit score defines your creditworthiness. Having a good credit score can help you fetch better deals on your loan. Similarly, a poor credit score could lead to loan rejection
  • Repayment capacity: Check your repayment capacity before taking a loan. Missed EMI payments could hurt your credit score and put a dent in your creditworthiness
  • Loan EMI: Always calculate your loan EMI beforehand to check your monthly repayment obligations. This would help you manage your finances in a better way.
You need to link your bank account via the Navi app and set up auto-debit. Your EMI would automatically get deducted on the due date. Just ensure that you have enough balance in your account.
Yes, you have the option to prepay your loan. Navi doesn’t charge any loan pre-closure fee.
Multiple missed EMIs could lead to loan default. This would not only have a negative impact on your credit score but also affect your creditworthiness.

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