| App Name | NAVI App |
| App Type | UPI, Investment & Loans App |
| Refer & Earn | 1000 Coins |
| Minimum Withdrawal | ₹5 ( 50 Coins ) |
| Withdrawal | BANK Transfer |
| Rating On Play Store | 4.7 ⭐⭐⭐⭐⭐ |
| EAS Verified | Verified ✅ |
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🔥 NAVI APP REVIEW 🔥
✅ Navi App Kya Hai?Navi App ek Indian fintech app hai jisme aap UPI payments, instant loan, mutual fund investment, insurance, cashback jaise features use kar sakte ho. Ye app “Navi Technologies” ne banayi hai, jiske co-founder Flipkart ke Sachin Bansal hain.
📲 Navi App Kaise Use Kare?
1. Play Store se Navi App download kare
2. Mobile number se register/login kare (OTP verification)
3. Aapna bank account UPI se link kare
4. Dashboard par aapko alag-alag services milengi:
• UPI Payments
• Personal Loan
• Mutual Fund
• Insurance
• Cashback Offers
💸 Navi App Se Paise Kaise Kamaye?
• UPI Payments karke cashback earn kar sakte ho
• Har transaction par aapko Navi Coins milte hain
• Ye coins ko baad me aap UPI cashback ya vouchers me convert kar sakte ho
• Kabhi-kabhi special offers me ₹5–₹100 tak ka cashback milta hai
• Refer & Earn, Per Referral 1000 Coins
🫂 Navi App Refer & Earn :
Navi App me aap refer karke paise kama sakte ho. Abhi recent offer ke anusar Navi App Per Refer flat 1000 Coins ( ₹100 ) De Raha hai. Lekin wo apko tabhi milega jab apka Referral first bill payment karta hai ₹200 tak ka.
💰 UPI Payment & Cashback Features
• Navi App se kisi bhi UPI ID pe paise bhejo
• Minimum ₹1 ka bhi payment karoge to cashback milega
• Har transaction par ~1–10 coins milte hain (10 coins = ₹1 approx.)
• Coins ko withdraw karne ke liye “Cashback” section me jaake redeem karo
🏦 Instant Personal Loan – Kaise Milega?
• App me “Loan” section me jaake Apply karo
• KYC complete karo (PAN + Aadhaar)
• ₹10,000 se ₹20 lakh tak ka instant loan mil sakta hai
• Repayment tenure: 3 mahine se 6 saal tak
• Interest rate: ~9.9% se start (but user reports higher bhi ho sakta hai)
📈 Investment & Mutual Fund
• Navi App se aap ₹100 se bhi SIP ya Mutual Fund me invest kar sakte ho
• Direct Mutual Funds me invest karne ka option
• Low expense ratio funds (Navi Nifty 50, Navi Nifty Next 50, etc.)
• Returns market based hote hain
🛡️ Insurance Integration (Health Insurance)
• Health Insurance plans ₹241/month se start
• ₹5 lakh tak ka coverage available
• Cashless hospitals ka network
• Claim process app ke through directly ho jata hai
• Policies paperless hoti hain
🔐 Navi UPI Safe Hai Ya Nahi?
UPI system NPCI (Government backed) hai, to basic level pe safe hai
Lekin kai users ne complain kiya hai:
• App slow hai
• Transaction fail ho jate hain
• Customer support slow hai
• Privacy concerns bhi hain – contact access permission mandatory hai
❗ User Reviews – Pros & Cons
✅ Pros:
• One app for loans + UPI + investment + insurance
• UPI cashback rewards
• Quick loan approval
• Mutual fund SIP ₹100 se
❌ Cons:
• Contact access forcefully liya jata hai
• Some users report payment failed, cashback na milna
• Loan collection team aggressive ho sakti hai
• App kabhi-kabhi slow ya glitchy hoti hai
📌 Conclusion
Navi App ek powerful super-fintech app hai agar aap UPI payments, small savings, aur instant loans lena chahte ho. Lekin, privacy aur technical issues ko dhyan me rakhna chahiye.
❓ FAQs
1. Navi App kya hai?
Navi App ek all-in-one financial app hai jisme aap UPI payment, cashback, personal loan, insurance, aur mutual fund investment jaise services use kar sakte ho.
2. Navi App kis desh ki company hai?
Navi App ek Bharatiya (Indian) company hai. Iska headquarter Bangalore, India me hai. Iske co-founder Sachin Bansal (Flipkart co-founder) hain.
3. Navi App se loan kaise le?
• App download karo
• “Loan” section me jaake apply karo
• PAN, Aadhaar se KYC complete karo
• Eligible hone par instant approval milega
• Loan amount bank me transfer ho jata hai
4. Navi App UPI safe hai ya nahi?
• Technically safe hai kyunki UPI NPCI (RBI backed) system par kaam karta hai.
• Lekin kuch users ne privacy aur transaction issues report kiye hain, jaisa ki app contact access maangta hai.
5. Navi App se paise kaise kamaye?
• UPI payment karo aur Navi coins kamao
• Coins redeem karke cashback lo
• App me offers aur referral se bhi earning hoti hai
6. Navi Coins kya hai?
Navi Coins app ke loyalty points hai. Aapko har UPI payment par coins milte hain.
10 Navi Coins = ₹1 hota hai. Inhe aap cashback me convert kar sakte ho.
7. Navi App me mutual fund kaise kharidein?
• “Invest” section me jao
• Fund select karo (e.g., Navi Nifty 50)
• Minimum ₹100 se SIP ya lump sum investment karo
• KYC hona zaruri hai
8. Kya Navi App loan lene ke baad call karta hai?
Haan, agar EMI delay hoti hai to recovery team contact kar sakti hai. Kai users ne aggressive calling & contact list access ka issue bhi report kiya hai.
9. Kya Navi App pe cashback milta hai?
• Haan, har UPI payment par cashback ke form me coins milte hain.
• Special offers ke time pe ₹5 – ₹100 tak ka cashback bhi milta hai.
10. Navi App me KYC kaise karein?
• Aadhaar + PAN number enter karo
• Face scan / selfie verify karo
• KYC 100% online hota hai – no paperwork
11. Navi App loan ka interest kitna hai?
Interest rate ~9.9% se lekar 36% tak ho sakta hai, depending on credit profile. Har user ke liye alag hota hai.
12. Navi App me referral program hai?
Currently koi fixed referral program nahi dikh raha, lekin kabhi-kabhi Navi special referral offer chalaata hai – check “Offers” section.
13. Navi se loan lene par CIBIL score affect hota hai?
Haan. Navi App se loan lene par CIBIL report hoti hai. Time se repayment karoge to score improve hoga, late karoge to negative impact padega.
14. Navi App ka customer care number kya hai?
Officially customer support app ke andar available hai. Aap “Help & Support” section me ticket raise kar sakte ho.
Official site: https://navi.com
15. Kya Navi App trusted hai?
Company registered hai, RBI guidelines follow karti hai. Lekin kuch users ne negative reviews diye hain – isliye use karne se pehle terms padhna zaruri hai.
