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.
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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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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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.
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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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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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.
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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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.
Medi claim
Few days back my wife got admitted in hospital, i already have navi health insurance with me. Thank god that i took navi health insurance. This is first time i used the claim process on Navi. And believe me the relationship manager called Naveen G R is so supporting and kind person who helped me out day and night with hospitalisation process and help me on each stage of submitting documents and claim process. He was always be available and responding quickly to my queries and reason is that i was easily available the cashless benefit of Navi. I think every insurance provider should have this kind of dedicated manager to help their clients. Overall i had a wonderful experience with navi insurance. I highly recommend everyone to go for it.
Cheers and best of luck!
Cheers and best of luck!
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Response from developer
Ḥi Raj, thank you for the rating! We are glad that you are happy with our services.
Never take loan from this app
I took a loan of 2,30,000 from this app, with an interest charge of 45,000 for one year. Although I paid all my EMIs on time, I faced an unexpected delay of just 8 days on my 6th payment. Despite informing them that I would settle the payment within 10 days, the response from their recovery team was nothing short of harassment.
Their agents began calling me incessantly, day and night, threatening to reveal my personal information—such as my name, Aadhaar card, PAN card, and other details—to my friends and family, even planning to contact them for money. They even threatened to publicly shame me by shouting for money in my neighborhood. This level of intimidation was extremely distressing, especially since I had committed to clearing the overdue amount promptly.
When I requested their agents to identify themselves, they refused, likely knowing their recovery practices were unethical and possibly illegal. I genuinely hope that the RBI takes action against this app for violating credit regulations and protecting consumers from such unlawful recovery tactics.
After enduring this nightmare, I have cleared the loan, uninstalled the app, and am sharing my experience to warn others to avoid getting involved with this platform.
Thank you.
Their agents began calling me incessantly, day and night, threatening to reveal my personal information—such as my name, Aadhaar card, PAN card, and other details—to my friends and family, even planning to contact them for money. They even threatened to publicly shame me by shouting for money in my neighborhood. This level of intimidation was extremely distressing, especially since I had committed to clearing the overdue amount promptly.
When I requested their agents to identify themselves, they refused, likely knowing their recovery practices were unethical and possibly illegal. I genuinely hope that the RBI takes action against this app for violating credit regulations and protecting consumers from such unlawful recovery tactics.
After enduring this nightmare, I have cleared the loan, uninstalled the app, and am sharing my experience to warn others to avoid getting involved with this platform.
Thank you.
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Response from developer
That's certainly not the impression we want you to have of us, Shreyansh. Our executives are appropriately trained not to engage in any coercive behavior under any circumstances. Our team will investigate this. Could you please reach out to us via https://bit.ly/3Ikwfmy so we can assist you accordingly?
This app should be banned as it is involved in illegal activities of debt recovery agencies
So i have took a personal loan from this app in which they are charging approx 1.75lakh interest for 48months. I had paid 25 EMIs on time but i have failed to pay the 26th emi due to fund issues and i have also conveyed the same to their executives but they are misbehaving me, harrassing and torturing me to get the emi money and illegally collecting the debt money. And no one share their agency name and their real name. They are just playing with RBI rules nd guidelines and one of the executive has suggest me to do suicide if I don’t pay the EMI. And threatened me that if I don’t pay it right now then they will share my personal information like adhaar, pan and picture with my family member. And when i told them to meet in person at my office’s address or somewhere else as i was not at home or i was not comfortable then still they forced me to meet a home and said if u are home or not we will visit to see if u will not be there then we will ask from your neighbours. The behaviour of their agents are pathetic they don’t know how to talk to the customers snd they never authenticate themselves like they are doing some fraud or illegal work. After that experience I really want to get this app should bhi banned in India. As due to their illegal recovery and wrong practice of debt recovery many people would have committed suicide as im also going through from this phase. Thanks
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Response from developer
Rekha, our executives are appropriately trained not to engage in any coercive behavior under any circumstances. Our team will investigate this. Could you please reach out to us via https://bit.ly/3Ikwfmy so we can assist you accordingly?
Navi Spam and Don’t take loan from Navi App.
I has a bad experience. I took a personal loan from Navi, I had penalty charges for the month before the last EMI. I was request them to waive off the penalty charges. Its been agreed and promised that it will be done on due date of last EMI upon making an advance payment of last EMI . After paying it off, the last EMI due date has passed by 13 days. Still Navi hasn’t closed my loan as promised. Eventually, I don’t get response from the person who gave a promise and since then Navi imposed an additional penalty charges for not paying off the pending amount which is crazy and fooling the people for no reason. In 2023, there were contact number to speak with Navi Customer care and which is kind of trick that not reporting our problems to the customer support to get the solution. So, kindly don’t take loan from Navi App and interest is too high and If you miss a EMI, they will deduct more than 4 times a month which bring down your Credit score drastically
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Response from developer
That's certainly not the impression we want you to have of us. Please share your contact details via https://bit.ly/3Ikwfmy so we can check and assist you accordingly.
Calling people from phonebook and harrasing
Hello All, I took a personal loan from Navi and i failed to make the payment on time twice or thrice within 1 year and they started calling people from my phonebook and harassing them as well then again I reached out to the support team of Navi stating, ”please stop this illegal activity” so they said, your information is saved with us and we only contact people from your reference and honestly I did not give any reference. Any which ways they are not doing any favour on me. They are charging high interest everyday for delaying the payment without waiving off the penalty charges and i don’t understand that why they are calling people and letting everyone know about the loan after all I am making the payment. They are doing this illegal activity by themselves also shared phone contacts with few collection agencies and they are also calling people from my phonebook which is illegal and soon i am going to sue them for the same and I have all the proofs with me. My advice for all the people:- If you will make the payment on time that’s well and good and if by any chance you will delay the payment by 4-5 days due to any personal problem then they will not listen to it and they don’t care about it and they will start harassing people from your phonebook and they will let everybody know about your loan one by one. Because of this app, once I thought that i will commit suicide but thanks to few people who saved my life and guided me to deal with them legally.
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Response from developer
This is certainly not the kind of experience we’d like you to have. Our collection executives have been appropriately trained not to engage in any coercive behavior under any circumstances. Our team will investigate this. Please reach out to us by sharing a few details via the following link https://bit.ly/3Ikwfmy so that we can assist you accordingly.
Recommended for Health Insurance
I recommend Navi App for Health Insurance purchase. I haven’t made any claims yet but the purchase process and policy benefits are best.
Previous Review: Using the app for about 2 years for health insurance. After the recent update, app is not usable without contacts permission. It should be optional. Navi is asking for contacts permission to detect network fraud. It might be relevant for loans product but don’t see a reason it is related to health insurance. Give me a way to access my health insurance policy without giving contacts permission.
Edit - 20 Nov : App is usable now without contacts permission in case of only health insurance. Thanks Navi team for fixing it.
Previous Review: Using the app for about 2 years for health insurance. After the recent update, app is not usable without contacts permission. It should be optional. Navi is asking for contacts permission to detect network fraud. It might be relevant for loans product but don’t see a reason it is related to health insurance. Give me a way to access my health insurance policy without giving contacts permission.
Edit - 20 Nov : App is usable now without contacts permission in case of only health insurance. Thanks Navi team for fixing it.
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Response from developer
Harsha, we understand your concern about app permissions. These are necessary to ensure effective fraud prevention. We highly appreciate your cooperation in granting the required permissions to use the Navi app. Rest assured, your data security is our top priority.
One
Asma night, I am very sad about this because I am a very old customer of yours and have been taking loan from you for a long time and my income is also good. Despite that, I don't know what survey you guys did, I did not get the loan. And for this I am very sad and I have been associated with us for a long time because I feel that when I do not get any help from you people in times of trouble, then there is no better way than taking a loan from you people. Now, whatever potting is done by the people is not right and I have never given any of you in this environment, I have given it on time, still why does this happen to me?
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Response from developer
Josim, we evaluate your profile for loan offers based on factors like credit score, repayment history, active loans, and other obligations. If you're not eligible, you may face a rejection. Please check for the next loan offer on our app after your current loan application expires.
Excellent App but re issue of loan is disappointing
I have been using Navi app for quite sometime now and availed 2 times loan. Preclosed before the tenure. Experience is really good and seamless. Right from start of application process to disbursement . I wanted a higher amount of loan for 3rd time but suddenly app rejected my application saying I don’t fit into the eligibility criteria !! Very disappointed with this . I had recommended this app to so many of my friends and relatives who run business les. Especially when you need urgent loan to clear off other expenses or debt we look forward for such apps to help out. My repayment history was good, Cibil is good but not sure why the app rejected the application .
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Response from developer
Rakshit, after closing a loan your profile gets re-evaluated based on your current credit score, repayment history and other obligations. Based on the criteria the loan is offered. The offer could be higher/lesser or might get rejected. Please check the next loan offer available on our app after the expiry of your current loan application.
Location / Contact sharing
Why is the app compulsorily insisting on location and contacts details for insurance? And this after the policy has been issued and active for the past 9-10 months? Your response does not explain or answer the question i raised. How is asking for contacts and location giving me more access to features? And even if they are, how is giving access to such info bettering the features? Pls bear in mind I am only a health insurance user. So kindly explain in how this specific ask of contacts and location improving the features for me? At this time, I have raised the concern with IRDAI and have stopped paying the premium. You have no business asking for information that is private and has no relevance to the product being bought.
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Response from developer
Hi, please note that the app permissions are being asked so that you can completely utilize the application features and resources seamlessly. We kindly request your understanding and cooperation in granting the required permissions to use the Navi application.
Very Bad Experience from Navi
Hello my name is Anuj and my wife was admitted in 2022 and that was the great experience from navi at that time claim was also settled within 20 minutes and now my wife also admitted in another hospital and it is small clinic and now navi’s team harassing me and my wife again and again for video statement for that why you are admitted here and she is not conscious at all but they want video statement and ask to show mobile and mobile locations at all and this is happen not for one time it happens twice and when i talk to senior person who comes over the phone then he said ‘tujhe claim lena hai ya nhi lena’
So why we pay premium ? And if you want to investigates then you need to ask these thing to doctor and hospital teams , we are not right person to give you these things again and gain so don’t buy health insurance from Navi
So why we pay premium ? And if you want to investigates then you need to ask these thing to doctor and hospital teams , we are not right person to give you these things again and gain so don’t buy health insurance from Navi
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Response from developer
We acknowledge your sense of concern. Megha, we want to understand what went wrong and help you out in sorting the situation. Please reach out to us by sharing a few details via the following link https://bit.ly/3Ikwfmy so that we can assist you accordingly.
Health insurance
I had my doubts when I bought a health insurance policy from NAVI since the company is pretty new, the policy premium is way lesser than what is there in the market etc. But 2 days back I was admitted to hospital and I had to claim for insurance. Not only the claim process was super easy everything was handled so professionally and promptly that I had to agree, I made the best decision to buy health insurance with Navi. I got a 100 percent claim including everything in the hospital bill and also the support from the team was exceptional. Thank you so much team and Thank you so much Naveen for helping me at every step.
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Response from developer
Your feedback is appreciated!
Dimri
The app is awesome. Great cash loan app, I got confused and did something wrong on the app but the support team guided me throughout the entire process. They stayed available and in constant contact during a couple of evenings when I was proceeding with documentation work as It needed to be done on time. And they were clear about what they were going to do, and they did it. I will definitely use this platform again and again. Also, They were very quick to answer questions at any time and helped even outside of normal business hours. They made the whole process very easy
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Response from developer
Hi, Hope to serve you our best in the near future.
Home Loan
I recently availed a home loan from Navi. To put in few words, I have had an amazing experience partnering with the team. This being my first ever loan, was quite worried if I was taking the right decision, but the teams and especially Mr. Vaibhav Bhagat’s assurance only let me move forward. The application process is paperless and seamless. The review/ assessment of the application is quick and the team does not whine about any issues but find out a way to get the job done. It felt like the team wanted more than I did, a house to myself. They are very supportive of young professionals/ entrepreneurs naturally because they themselves are a team of young professionals. I would highly recommend Navi for your home loan requirements. Thanks Navi Team
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Response from developer
Delighted to hear this from you. Your admiration will help us flourish and serve better.
Worst application
Worst application
Response from developer
Sorry to hear that you feel this way. We would like to seek an opportunity to understand this better. Kindly share your details on this form https://bit.ly/3Ikwfmy to assist you further.
Best app for instant loan
I’m a customer of SBI bank from at least 15 years ,have credit card of SBI doing enough transaction every month but when I ask for loan of 1lakh bank manager look at me that I asked for 1 crore .he tell for loan I must have salary account but I’m in business and I give Salaries to my staffs but I’m not egible for loan because I don’t have a current account in their bank so I will have to a current account run it properly for 3 months then manager will think about my loan and also he will visit my shop and then he will see whether I’m eligible for a loan of only 1lakh .my friend told me about this app a guy come to my shop and within 10 minutes I got 95 thousand without any problems.I thanks to this app and the guy who helped me when my bank refused
Thanks for help
Thanks for help
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Response from developer
We appreciate you taking out the time to give your feedback, Niraj. We are delighted you had a great experience with us.