Get Instant Personal Loans in Bangalore

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

Personal Loan in Bangalore

Bangalore is known for its growing startup and IT sectors and vibrant lifestyle. Every year, thousands of fresh graduates migrate to the city hoping to kick start their career. However, due to the demanding lifestyle in terms of rent, food, commute, etc., you may need financial assistance. So, if you are looking for an instant personal loan in Bangalore to meet your expenses, Navi could be your go-to option.

Get personal loan from Navi is simple and hassle-free. No lengthy paperwork or documentation required. Just download the Navi app, apply and get the loan amount disbursed to your account in minutes!

Features and Benefits of Personal Loan in Bangalore

Features and Benefits of Personal Loan in Bangalore

Apply through the Navi app and get your loan approved and disbursed to your account in a few minutes
Get personal loans up to ₹20 lakh without pledging any collateral or a guarantor
Enjoy competitive interest rates starting from 9.9% p.a.
No paperwork or physical interaction is required. Just download the Navi app and apply
Enjoy flexible repayment options up to 72 months. Repay at your convenience
Completely app-based process with no hidden charges

How to Apply for a Personal Loan in Bangalore?

Follow the steps below to apply for an instant personal loan in Bangalore:
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 Personal Loan in Bangalore?

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

Interest Rates for Personal Loan in Bangalore

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?

Calculate your personal loan EMI beforehand to plan better. You could do so either manually or via a personal loan EMI calculator. Here’s the mathematical formula for 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, manual calculations could be tedious and time-consuming. As an alternative, you could use our personal loan EMI calculator to check your monthly repayment obligations. The online tool is extremely user-friendly. 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 Personal Loan in Bangalore?

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

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App Downloads
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Loan amount disbursed
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What our customers say about us


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Frequently asked questions

It’s always recommended to have a good credit score. Having an above average credit or CIBIL score could help you get better deals like preferential rates on your loan.
You can repay your loan in easy EMIs (Equated Monthly Instalments). Just link your bank account and set up auto-debit. The EMI amount shall get automatically deducted from your bank account on the due date.
You can reduce your personal loan EMI either via personal loan balance transfer or increasing the loan tenure.

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

  • Credit score: 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 can improve your credit score by following the best personal finance practices. This would include paying your credit card bills on time, correcting any inaccuracy in your CIBIL report, timely EMI payments, etc. For a detailed guide, read our blog on how to improve your credit score.

You can get an instant cash loan in 1 hour in Bangalore with Navi. The entire process takes hardly a few minutes. Just keep your PAN card at your disposal while applying, that’s it.

Missed EMI payments could call for penalty charges. Also, your creditworthiness and credit score could get affected.

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