Get an Instant Personal Loan in Delhi with Navi

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

Personal Loan in Delhi

Delhi, the capital of India is famous for being an amalgamation of rich cultural history and fast-moving 21st-century life. Delhi is also an important educational hub. Many young people travel to the city with the hope of building their lives. When living in Delhi, there could be times when you might need additional funds to meet financial emergencies. In such a situation, you can always take a personal loan in Delhi with Navi.

With Navi, you can get a personal loan in Delhi in no time. All you need to do is download the Navi App on your phone and apply!

Features and Benefits of Personal Loan in Delhi

Features and Benefits of Personal Loan in Delhi

Navi offers instant personal loans. Just apply on the Navi app to get the loan in your account within minutes
No heavy paperwork. No human intervention. The entire process is online
Navi offers personal loans up to ₹20 lakh. Apply for any amount on the Navi app
Avail personal loans with competitive interest rates starting from 9.9% p.a.
Enjoy flexible EMI options and a loan repayment tenure of up to 72 months. Repay the loan at your convenience
You can repay your loan before the scheduled tenure with no additional cost

How to Apply for a Personal Loan in Delhi?

Follow the given steps to apply for an instant personal loan in Delhi:
Download the Navi app from the Play Store or App Store
Check your loan eligibility by mentioning personal details like name, address, PAN, etc.
Enter the loan details (amount and tenure)
After receiving a call from our representative, complete your V-KYC with PAN
Enter your bank details, set up auto-debit and get the loan amount transferred to your account within minutes

How to Apply for a Personal Loan in Delhi?

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 Delhi

You can get personal loans at interest rates starting from 9.9% per annum. However, your eligibility will also play an important role in determining the final interest rate.
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?

Calculating the EMI on a personal loan in advance can help you with efficient financial planning. You can calculate manually or use a personal loan EMI calculator, an easy-to-use online tool. The formula for the calculation of personal loan EMI is as follows:

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

If you make manual calculations, there might be errors in calculation. A better alternative would be using the Navi Personal Loan EMI Calculator. All you need to do is enter the personal loan amount, tenure and interest rate. Once done, you can check the EMI amount. It hardly takes a few seconds.

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 Delhi?

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.

Repay at your convenience

We give you the flexibility to repay your loan in easy EMIs at your convenience. Choose loan tenure as per your wish.

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Frequently asked questions

Personal loans do not have any end-use restrictions, so you can use the money anywhere. You can use it for your day-to-day expenses, higher education, marriage, or even buying new furniture and appliances if you have moved into a new city.

Here are some of the factors that you must take into account before taking a personal loan:

  • Credit score: Your CIBIL or credit score is essential as it determines your creditworthiness. Having a good credit score will help you get loan approval easily.
  • Repayment capacity: Assess your monthly income and existing liabilities to know if you can comfortably repay the instalments.
  • EMIs: Calculate your EMI in advance to understand how much you have to pay towards your loan. Vary the loan amount, tenure and interest rate to check what would be a viable repayment option for you.
Having a good credit score can help you get better deals on your loan. So, try to keep your credit score at an above-average level to get easy access to credit.
At Navi, you do not need to submit your income proof to get your loan approved. Just your PAN or Aadhaar (optional) details would suffice.

You can repay your loan in EMIs. All you need to do is link your bank account to the Navi app. The EMI will get automatically deducted on the due date.

Missed repayments can lead to penalty charges. Also, it can affect your creditworthiness.

Yes, you can get an instant cash loan in 1 hour in Hyderabad. Just download the Navi app, apply and get the money transferred to your account within minutes.

You can take a personal loan for any purpose. Just download the Navi app, apply, get the amount in a few minutes and use the amount to meet any financial requirements.

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