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Navi: UPI, Payments, Insurance

Navi: UPI, Payments, Insurance

Pay, Borrow, Invest, Insure

225K ratings
21 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • March 24, 2021
  • July 31, 2026

Features

Developer

Navi Limited
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Navi: UPI, Payments, Insurance screenshot #1 for iPhone
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Navi: UPI, Payments, Insurance screenshot #7 for iPhone
⭐21
Reviews↘︎
❓8 answered
FAQ↘︎
📦~ in 3 days
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About

This financial superapp simplifies daily transactions with fast UPI payments, bill pay, and online recharge. It also offers investment options in mutual funds and digital gold, alongside health and motor insurance plans.

✓Fast UPI payments
✓Bill payments and recharges
✓Mutual fund investments
✓Digital gold investment
✓Health insurance
✓Motor insurance
✓Referral rewards
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+2

What's New in Navi

4.3.5

July 31, 2026

Peak monsoon, peak performance! The rains are pouring and so are our updates. We've fixed bugs, improved stability, and made Navi lightning-fast — so even on the stormiest days, your app experience stays clear and uninterrupted.

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User reviews

Most RecentHighest RatedLowest Rated

Excellent experience till now

I would also like to sincerely express my appreciation for the claim process during my daughter’s recent surgery. The procedure went successfully, and we are extremely grateful for the financial support and smooth coordination from your side. The overall experience has given us great confidence in your services.

That said, I believe there is a small area for improvement regarding repeated document requests. Streamlining this part of the process would make the experience even better for policyholders like us who live far from the city.
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GuidingTongperGuidingTongper

Response from developer

Hi, thank you for your wonderful feedback! We’re glad to know you’re happy with our team and find Navi helpful. Your support means a lot to us!

very bad experience

I had a very bad experience with the Navi app. I had taken out health insurance about 5-6 months ago and was paying the premiums every month. Then I fell ill and was admitted to a good hospital, relying on Navi's insurance, thinking that since I had medical insurance, I would get the claim. After being discharged, we applied for the claim, but the Navi team disappeared for 15 days, and then on the 15th day, they said that my claim had been rejected because it didn't fall under their policy, etc. But people get health insurance so that they can get treatment in a good hospital and get the money from the insurance. Our financial condition isn't good enough to cover such high hospital expenses. We were admitted to the hospital relying on Navi's insurance, and then they say it's rejected after 15 days. Very bad experience. And I didn't have any surgery, nor any pre-existing condition. I had a bladder infection, which can happen to anyone, so why doesn't it fall under their policy?
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jigarrajput9142jigarrajput9142

Response from developer

Hi, that's not the impression we want to leave. We’d like to better understand your concern so we can assist you effectively. Please share more details with us via https://navi.com/contact-us/feedback or, for faster resolution, connect with our chat support here: https://m.navi.com/NAVIHQ/kYL8E

Greatest | Simplest | Super Features

This is truly a great application for payments. I’m absolutely in love with it. The interface is simple, the rewards are amazing, and the self-transfer feature works seamlessly without confusing users. As a software developer myself, I genuinely appreciate the effort, vision, and hard work you have put into building this.

Thank you for creating such a smooth experience. I had struggled with other confusing apps before, but this one has been a real game changer for me and millions of others. My only request is please do not discontinue the rewards feature. Many companies have taken that path and it is disappointing. Please continue keeping this feature alive as it truly sets your app apart.
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BelikeabhishekBelikeabhishek

Response from developer

Hi, thank you so much for your continued support—it truly inspires us to keep improving and delivering the best for you.

UPI lite

The app is showing UPI lite option and I have added the money, but I am not able to use the amount. The option is not coming when I am making payment, upi lite balance is not showing. I don’t understand the then why the money adding option is showing and taking money from users account. When I am trying to contact support it’s directing me to a chat bot which is not helpful. I have tried gpay upi lite which great and when I deleted the upi lite the balance amount I got back to my bank account. Here in navi app when I asked the chat bot to give a solution but it’s saying once the amount is added to upi lite I need to spend it through upi lite only, now I think my money is gone. So if you are enabling any features test it properly and make sure it works for everyone. Or give proper customer support to make it work.
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MurshidbinmajeedMurshidbinmajeed

Response from developer

Hi, we’d like to understand what might have caused this issue so we can assist you effectively. Please share your details via https://navi.com/contact-us/feedback or for faster resolution, connect with chat support here: https://m.navi.com/NAVIHQ/kYL8E We’re here to help and ensure your concerns are addressed promptly.

Misleading Income Verification Process Resulted in Unwarranted CIBIL Enquiry – Need Immediate Resolv

I am extremely disappointed with this loan app. I recently provided my income details for income verification, but to my surprise, I received a notification from CIBIL saying that an enquiry had been made in my CIBIL report. This should not be happening during an income verification process. The income verification should be a separate step, with no impact on my credit score. Instead, it looks like they have used it as a loophole to initiate a CIBIL enquiry, which is misleading and completely unacceptable.

If I agree to take a loan, I understand there should be an enquiry, but not under the guise of “income verification.” This feels like a fraudulent practice and I strongly urge the app developers to make sure that income verification and CIBIL enquiries are clearly differentiated. I would advise caution before using this app.
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Tanmoy KashyapTanmoy Kashyap

Response from developer

Hi Tanmoy, please note that after filling in the income details, there is a checkbox at the bottom of the page requesting consent. If you select this checkbox, a CIBIL enquiry will be generated. Your kind understanding on this matter is appreciated.

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FAQ

What is Navi?

Navi is an all-in-one financial superapp developed by Navi Limited. It offers services like UPI payments, mutual fund and digital gold investments, and health and motor insurance.

Is Navi available on all devices?

Navi is currently available for iPhone and iPod devices. It is designed for Indian residents only.

How secure is Navi UPI?

Navi UPI is NPCI approved, ensuring a secure and reliable platform for all your money transfers and payments.

What are the investment options in Navi?

Navi offers investments in mutual funds, including direct index funds with flexible SIP options, and 24K digital gold starting from ₹50.

What kind of insurance does Navi provide?

Navi provides health insurance with coverage up to ₹3 crore, starting at ₹350 per month, and motor insurance. They also offer cashless claim settlement at over 12,000 network hospitals.

Does Navi have ads?

Yes, the Navi app contains advertisements. It is supported by ads as part of its free service.

How often is Navi updated?

The latest version of Navi is 4.2.1, which was last updated on June 12, 2026. Updates typically include new features and performance improvements.

What is the user rating for Navi?

Navi has a strong user rating of 4.5 stars, based on over 224,563 reviews, indicating a generally positive user experience.