Get an instant ₹30,000 personal loan with Navi

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

About ₹30,000 Personal Loan

In urgent need of ₹30,000 cash? Don’t worry when you have Navi by your side. Get ₹30,000 personal loan in a 100% paperless manner with minimal documentation. Applying for a personal loan with Navi is extremely simple and hassle-free.

All you have to do is download the Navi app and apply for the Personal loan. The entire process – from application and approval to disbursal – is online and takes just a few minutes to complete. You can also enjoy a flexible EMI option and avail of the loan at an attractive interest rate.

Features and Benefits of ₹25,000 Personal Loan

Features and Benefits of ₹30,000 Personal Loan

Apply through the Navi app in a few steps and get the loan amount disbursed in your account within minutes.
Enjoy a 100% paperless process. Just download the Navi app and apply
Avail personal loans at competitive interest rates, starting from 9.9% p.a.
Navi offers personal loans up to ₹20 lakh. Apply for any loan amount to meet an urgent financial need
Guarantor or collateral not required. Just download the Navi app and apply for a loan
Enjoy flexible EMI of up to 72 months. Repay at your own convenience

How to Apply for a ₹30,000 Personal Loan?

Follow the steps given below to apply for a ₹30,000 personal loan:
Go to the App store or Play store and download the Navi app
Enter basic details such as name, address and PAN ID to check if you are eligible for the loan
Enter the amount required and tenure
Our representative will call you. Provide your PAN and Aadhaar (optional) details to complete your KYC verification
Link your bank details with the Navi app and set up autopay. Get the loan disbursed to your account

How to Apply for a ₹25,000 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

₹30,000 Personal Loan Interest Rates in India

Navi offers personal loans at attractive interest rates, starting from 9.9% per annum. The final rate of interest 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 ₹30,000 Loan?

Calculating your monthly loan installment amount will help you manage your finances accordingly. Here is the formula for calculating EMI manually:

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

However, manual calculations can be time-consuming and leaves room for errors. Instead, use Navi’s personal loan EMI calculator for faster and more accurate results. Enter details such as loan amount, interest rate and tenure. The EMI calculator will display the EMI estimate.

Personal Loan Calculator

Loan Amount

Rate of Interest (P.a)


Loan Tenure (Months)


Monthly EMI


Total Interest

Total Amount

Why Choose Navi for your ₹30,000 Personal Loan?

No paperwork

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

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.

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.

Trusted by Millions of Users

1 M+
App Downloads
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Loan Sanctioned
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Loan amount disbursed
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Frequently asked questions

Here are some of the factors you should consider before taking a ₹30,000 personal loan:
  • Credit score: Credit score reflects your creditworthiness. The higher the credit score, the higher the chances of getting a personal loan at a comparatively lower interest rate.
  • Repayment capacity: Assess your EMI repayment capacity before taking a loan. Missed EMI payments could hurt your credit score.
  • Loan EMI: Calculate your monthly payments before applying for a personal loan. This will help you to plan your finances and lower the chances of loan default.
Navi offers flexible repayment tenures for up to 72 months. So, you can pay your loan repayment based on your convenience.
Defaulting EMI payments will invite a penalty. Multiple defaults will affect your CIBIL score and also hamper your creditworthiness.
Yes, you can easily pay your EMIs through the Navi app. You have to link your bank account and turn on the “auto-debit” option for automatic repayment of your EMIs. Just make sure to maintain a sufficient balance in your bank account.
Yes, you can get an instant ₹30,000 personal loan with minimal documents through the Navi app. Only your PAN card details are required.
Interest rates for personal loans vary from one individual to another. It is determined by examining a few factors such as credit score, repayment ability and loan amount.
No, there are no prepayment charges if you avail your personal loan through Navi. You can choose to close your loan by prepaying as and when required.

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