Navi Finserv Home Loan: Rates, Eligibility & Fees 2026
Navi Finserv offers digital home loans with paperless processing, flexible EMIs, long tenures, and zero processing fees for eligible borrowers. Butter Money helps you compare the option and apply with clear, dependable guidance. Apply with confidence.
Interest Rate
8.45%
p.a. onwards
Processing Fee
₹0
+ GST
Max Tenure
30 Years
Max LTV
Up to 90%
loans up to ₹30 lakh
Zero Hidden Charges
Transparent pricing you can trust
Fast Approval
Quick approvals with less paperwork
Loan Assistance
Expert guidance at every step
Exciting Cashbacks
Save more with exclusive offers
What stands out with Navi Finserv
- Tenure up to 30 years
- Up to ₹5 crore funding
- 30-year repayment tenure
- Zero processing fee
- 100% paperless journey
- No foreclosure charges
- Instant approval flow
Navi Finserv home loan at a glance
| Lender type | NBFC |
| Starting rate | 8.45% p.a. onwards |
| Products | Home loan |
| Funding (LTV) | Up to 90% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
Navi Finserv Interest Rates
By product, CIBIL score & applicant type
Home loan
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 8.45% onwards | 8.45% onwards |
| 750–799 | 8.45% onwards | 8.45% onwards |
| 700–749 | 8.45% onwards | 8.45% onwards |
| 650–699 | 8.45% onwards | 8.45% onwards |
Starting rates for each CIBIL band. Your final rate also depends on the loan amount, property and profile.
Fees & Charges
Popular Navi Finserv Schemes
Find the right Navi Finserv product for your needs
| Scheme Name | Best Suited For | Interest Rate |
|---|---|---|
| Home Loan | Home purchase | 8.45% onwards |
| Home Construction Loan | House construction | 8.45% onwards |
| Balance Transfer | Existing home loan transfer | 8.45% onwards |
Navi Finserv vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| Navi Finserv (this page) | NBFC | 8.45% onwards |
| L&T Finance | NBFC | 7.65% onwards |
| Piramal Finance | NBFC | 9.90% onwards |
| Vridhi Finserv | Housing finance company | 12.00% onwards |
Navi Finserv Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at Navi Finserv's rates.
Illustrative calculation based on the selected rate. The rate defaults to 8.45% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh Navi Finserv home loan over 20 years at 8.45% costs ₹43,233 a month, or ₹53,75,935 in total interest. Every 0.25% higher adds about ₹793 a month.
Navi Finserv Home Loan FAQs
Can I prepay my Navi Finserv home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow Navi Finserv to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will Navi Finserv fund?
Navi Finserv funds up to 90% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
What is the starting interest rate for Navi Finserv Home Loan?
Navi Home Loan starts from 8.45% p.a.
What is the processing fee?
Navi charges ₹0 processing fee for its home loans.
What is the maximum home loan tenure?
The maximum tenure is 30 years.
What CIBIL score is preferred?
A stronger credit profile supports eligibility and competitive pricing.
What documents are required?
KYC, income and property documents are required as listed in the Documents tab.
Can I transfer my existing home loan to Navi Finserv?
Yes. Balance transfer is available where the product and applicant meet Navi's eligibility criteria.
Final terms are set by Navi Finserv at sanction. Source: Navi Finserv.