Get instant personal loan of ₹50,000 with Navi

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

About ₹50,000 Personal Loan

Financial emergencies come unannounced. Instead of breaking your FD or any other savings instrument, you could opt for an instant personal loan of ₹50,000 with Navi. Enjoy competitive interest rates and flexible EMI options with Navi Personal Loan.

Getting a loan from Navi is easy and hassle-free. All you have to do is download the Navi app from Google Play Store and apply for the loan. The entire process is online – from application to disbursal. You will get the amount disbursed to your account within a few minutes.

Features and Benefits of ₹50,000 Personal Loan

Features and Benefits of ₹50,000 Personal Loan

Get an instant ₹50,000 personal loan. Just download the Navi app and apply
No heavy paperwork required. Just download the Navi app and apply for a loan
You can apply for a personal loan of up to ₹20 lakh
With Navi, enjoy flexible EMI options and repayment tenure of up to 72 months. Repay the loan according to your convenience
Avail of Navi Personal Loan at competitive interest rates starting from 9.9% p.a.
Navi does not charge pre-closure fees if you choose to close the loan by prepaying the loan

How to Apply for a ₹50,000 Personal Loan?

Follow the below steps to get an instant ₹50000 loan:
Download the Navi App from Google Play Store or App Store
Provide your basic details, like name, address and PAN details to check your eligibility
Enter the loan amount and tenure
Our representative will call you. Provide your PAN or Aadhaar (optional) details to complete your KYC verification.
Link your bank account to the Navi app and set up auto pay. Your loan amount will be disbursed to your account

How to Apply for a ₹50,000 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

₹50,000 Personal Loan Interest Rates in India

Navi provides Online personal loan at lucrative interest rates that start from 9.90% per annum. However, the interest rate set for you will depend 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 ₹50,000 Personal Loan?

You can either manually calculate the EMI on your ₹50,000 loan or use a personal loan EMI calculator. The formula for calculating your EMI amount is mentioned below:

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

Calculating the loan beforehand will help you set up a realistic budget. Along with that, it will also help you understand the monthly repayment commitments. However, calculating the EMI amount manually can get complicated. To help you with this, Navi offers a personal loan EMI calculator to calculate the EMI amount. You just need to provide the loan amount, rate of interest and tenure of the loan and the EMI amount will be visible on the screen.

Personal Loan Calculator

Loan Amount

Rate of Interest (P.a)


Loan Tenure (Months)


Monthly EMI


Total Interest

Total Amount

Why Choose Navi for your ₹50,000 Personal Loan?

Competitive rates and charges

We are here to make personal finance accessible to all. So, keeping the affordability factor in mind, we offer you one of the lowest interest rates in the market today.

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 paperwork

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

Trusted by Millions of Users

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App Downloads
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Loan Sanctioned
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Loan amount disbursed
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June 14

Benefits Of A Personal Loan, How To Apply Online And Things To Consider Before Getting A Personal Loan

Personal loans are unsecured loans that do not require collateral.

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Frequently asked questions

Yes, if you apply for a loan while having a low credit score, the interest rate charged on your loan might be on the higher side. In some cases, a poor credit score can also lead to rejection.

Mentioned below are some of the factors that you should consider before taking a ₹50,000 personal loan:

  • Credit Score: Your credit score determines whether you will get a loan or not. A credit score describes your creditworthiness. If your credit score is good, the loan approval will be quick. While a poor credit score might result in loan rejection.
  • Loan EMI: Calculating the loan EMI in advance will help you balance your monthly repayment obligations better.
  • Repayment capacity: Before taking a loan, think about whether you will be able to repay the loan. Missing EMIs might affect your creditworthiness.
The income proof of an individual reflects his/her loan repayment capability. However, Navi requires no documents other than Aadhaar and PAN for a personal loan.
You can get swift approval of your personal loan applications if you have a high credit score. Also, if you do not have any pending loan amount to be paid off and your loan repayment history is clear, then you can avail of personal loans easily.
Navi does not levy any pre-closure or transaction charges if you choose to pre-pay your outstanding loan amount.
Yes, you can get a ₹10,000 personal loan with minimal documents through the Navi app. Only your PAN card details are required.
You can use the amount for any financial requirements – from paying your credit card bills to clearing your children’s tuition fees.

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