Navi: UPI, Payments, Insurance

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7.4M reviews
Content rating
Rated for 3+
100M+
Downloads
Content rating
Rated for 3+
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About this app

Navi, your all-in-one financial superapp designed for your diverse financial needs, offers a range of services for your daily convenience. Whether it is lightning-fast UPI payments, investments in mutual funds and gold, or dependable health and motor insurance coverage, Navi has you covered. Download the Navi app and unlock a world of possibilities for your financial well-being.

1. Navi UPI
Simplify money transfers with Navi UPI (NPCI Approved).

Navi UPI Features
✅ Instantly transfer money to anyone, anytime
✅ Pay bills and recharge online
✅ Conveniently scan and pay at any store
✅ Seamlessly make online payments on various apps
✅ Enjoy hassle-free payments with Navi UPI Lite, no PIN required

2. Navi Car & Bike Insurance
Get fast, paperless car & bike insurance on the Navi app

✅ Get insured in minutes: Renew your policy in just a few clicks
✅ Zero commission: Buy directly from Navi with no extra fees
✅ Cashless repairs: Get hassle-free repairs across India*
✅ Fast claim settlement*: Get 24-hour support (including Sundays) from a claims relationship manager
✅ Flexible coverage: Choose from Comprehensive or Third-Party insurance
✅ Wide variety of add-on options*: Choose from Roadside Assistance, Zero Depreciation, Return to Invoice, Engine Protect, and more

3. Navi Health Insurance
Safeguard yourself and your family's financial future with Navi Health Insurance.

Navi Health Insurance Features
✅ Coverage up to ₹3 crore
✅ Health insurance premiums starting at just ₹522* per month
✅ Experience quality healthcare at over 12,000+ network hospitals*
✅ Cashless claim settlement within 20 minutes*
✅ Benefit from 100% coverage* of hospital bills through a paperless process

4. Investments
Discover diverse investment opportunities with mutual funds and digital gold.

Navi Mutual Fund Features
✅ Diversify with Direct Index Funds for better growth
✅ Flexible SIP options: daily, weekly, or monthly
✅ Zero commission & one of lowest expense ratios for cost-effective investing
✅ Fastest redemption order payout in the industry
✅ Invest till 3 PM and get the same-day NAV for better returns
✅ Investment starts with just ₹100

Remember, mutual fund investments are subject to market risks; read all scheme related documents carefully.

Navi Gold Features
✅ 24K Digital Gold
✅ 99.9% purity
✅ Investment starts with just ₹50

5. Referral Program
Discover endless rewards with Navi's referral program! Share the Navi app with friends and family, and unlock exclusive rewards for every successful referral.

About Navi
- Navi app is developed & owned by Navi Limited (formerly known as Navi Technologies Limited), founded by Sachin Bansal and Ankit Agarwal, in December 2018.
- Car and Bike Insurance is offered by Navi General Insurance Limited, registered with the IRDAI as a general insurer.
- Health Insurance is offered by Navi General Insurance Limited, registered with the IRDAI as a general insurer.
- Navi Mutual Fund, registered with the SEBI, offers multiple mutual fund schemes to investors.
- Navi UPI is NPCI approved.
UPI, Payments, Recharges, Insurance, Mutual Fund & Digital Gold
Updated on
Nov 13, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
  • This app may share these data types with third parties
    Location, Personal info and 5 others
  • This app may collect these data types
    Location, Personal info and 8 others
  • Data is encrypted in transit
  • You can request that data be deleted

Ratings and reviews

7.39M reviews
Ajeesh Joseph
April 11, 2026
Initially, Navi Finserv was great especially with zero processing fees, which made it stand out from other lenders. The process was simple and user-friendly compared to others. But now they’ve started charging a processing fee, which removes their biggest advantage. This was the main reason many users chose Navi in the first place. It’s really disappointing to see them move towards the same practices as other providers. Hope they reconsider this change.
356 people found this review helpful
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Navi
April 11, 2026
Hi Ajeesh, thank you for your feedback. We understand your concern regarding the processing fee update. Fee structures may change from time to time based on offers and operational requirements, while we continue to focus on transparency and a seamless experience. We truly value your feedback and will share it with the concerned team.
Arun kumar Bathini
November 7, 2026
Very poor customer support. My credit card bill payment has been pending for more than 24 hours despite the amount being debited from my bank account. My bill due date is affected, and there is no proper resolution. Even after waiting nearly 2 hours in the support queue, no human agent connected. Only automated responses with no accountability. Extremely disappointing experience. Please improve customer support. Avoid making credit card bill payments through Navi if your due date is the last day
50 people found this review helpful
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Navi
November 7, 2026
Arun, thank you for your time on the call. We trust that our team has addressed your concern regarding the pending credit card payment. For any future assistance, feel free to access our chat service in the Navi app. We appreciate your understanding.
Vipin Sharma
November 5, 2026
Shows ₹450 on the Navi app, but you only get ₹50-60 on referral. Why does this happen? 1. The "Up to" Game Apps always display "Up to ₹450" (or Up to ₹100/₹1500). This doesn't mean every referral guarantees ₹450; rather, it is the maximum amount possible under specific conditions. Most users receive only a fraction of it.
43 people found this review helpful
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Navi
November 5, 2026
Thank you for sharing your review! If you're enjoying your experience with Navi and our services, we'd truly appreciate it if you could support us by leaving a 5-star rating. Your feedback motivates us to serve you better!

What’s new

We have made recharges and gift card checkout more reliable and improved app stability and startup.
Content rating
Rated for 3+
Learn more

App support

About the developer
NAVI LIMITED
9th Floor, Survey No. 14/2, Vaishnavi Tech Square, Iballur Village, Begur Hobli, HSR Layout, Bengaluru, Karnataka 560102 India
+91 81475 44555

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