Short answer: Navi lends up to ₹20 lakh for up to 84 months, with zero foreclosure charges and, per its blog, no processing fee on Cash Loan, but it does not publish eligibility rules. Moneyview publishes clear rules (₹25,000 household income, CIBIL 650, age 21 to 57), a 14% starting rate and a fee from 2%.
Last verified: 12 October 2026 from each company’s official website and, where marked, its Google Play listing. Rates and fees change; the lender’s Key Fact Statement (KFS) and loan agreement decide your actual terms. FundsTiger does not rank lenders.
Navi vs Moneyview at a glance
| Navi | Moneyview | |
|---|---|---|
| Type | Loan app of Navi Finserv, an RBI-registered NBFC | Loan app (platform for RBI-regulated partner lenders) |
| Loan amount | Up to ₹20 lakh | ₹5,000 to ₹10 lakh |
| Interest rate | Up to 29.96% a year (navi.com/finserv); Navi’s blog gives 9.9% to 45% | From 14% a year (1.16% a month) |
| APR | Not published | Not published |
| Processing fee | Navi’s blog says no processing fee on Cash Loan; not stated on the finserv page | From 2% of the approved amount |
| Tenure | Up to 84 months (finserv page); up to 72 months (blog) | 3 to 60 months |
| Minimum income | Not stated | ₹25,000 a month household income, credited to a bank account |
| Who can apply | Not stated for Navi specifically | Salaried or self-employed |
| Age | Not stated for Navi specifically | 21 to 57 |
| Prepayment and foreclosure | Zero foreclosure charges | No foreclosure charge, but not allowed on 6-month loans; allowed after 6 EMIs (7 to 18 months) or 12 EMIs (over 18 months). No part-payments. |
| Product | Term loan (EMI) | Term loan (EMI) |
| RBI-regulated lenders | Navi Finserv | Whizdm Finance, Clix Capital, Aditya Birla Capital, Credit Saison, Piramal Finance, Northern Arc, DMI Finance, Oxyzo, South Indian Bank, PayU Finance, SMFG India Credit, Cholamandalam, Vivriti Capital |
| On RBI’s digital lending app list | Yes: 6 RBI-regulated lenders list it | Yes: 17 RBI-regulated lenders list it; 10Cr+ installs, rated 4.8 |
| Also worth knowing | Fully digital, up to ₹20 lakh; Zero foreclosure charges | Minimum CIBIL score 650; PAN, selfie and Aadhaar-linked mobile; disbursal within minutes of approval |
Install counts and ratings are from Google Play, as recorded on RBI’s digital lending app list check of 5 October 2026.
What a ₹50,000 loan over 12 months would cost
We costed the same loan on each lender’s advertised figures, using the standard reducing-balance EMI formula and adding 18% GST to fees where the lender quotes them before tax. The lowest advertised rate is usually for the strongest credit profiles; many borrowers are offered more.
| Lender | Scenario | Rate a year | EMI | Total interest | Fee incl. GST | Total cost |
|---|---|---|---|---|---|---|
| Navi | Low end (Navi blog), fee not stated | 9.9% | ₹4,393 | ₹2,722 | Not published | ₹2,722 + fee |
| Navi | Up to 29.96% (finserv page) | 29.96% | ₹4,873 | ₹8,480 | Not published | ₹8,480 + fee |
| Moneyview | Lowest advertised rate | 14% | ₹4,489 | ₹3,872 | ₹1,180 | ₹5,052 |
Try your own numbers in our personal loan EMI calculator. For loans quoted only as APR, the APR already includes fees, so the total is an estimate.
Key differences
- Rate: Navi up to 29.96% (its finserv page; its blog says 9.9% to 45%); Moneyview from 14%.
- Fee: Navi’s blog says no processing fee on Cash Loan; Moneyview from 2%.
- Closing early: Navi zero foreclosure charges at any time; Moneyview nil but after a lock-in.
- Largest loan: Navi ₹20 lakh; Moneyview ₹10 lakh.
Which should you choose?
Navi may suit you if you want a large loan, a long tenure or freedom to close early. Check the fee in the KFS.
Moneyview may suit you if you want published eligibility rules and a known starting rate.
Whichever you pick, compare the APR in the KFS you are actually offered, not the advertised starting rate.
Before you apply
- Find the lender’s name in the app and check it on RBI’s list of digital lending apps or our RBI-registered NBFC search.
- Read the Key Fact Statement (KFS) before you accept. It must show the APR, every fee and the total you will repay.
- Never pay a fee before the loan is disbursed. Regulated lenders deduct fees from the loan or add them to the EMI.
- Apply to one or two lenders, not ten. Each application is a hard enquiry on your credit report.
- Check that the EMI fits your budget with our FOIR calculator.
Want to see offers from several RBI-regulated lenders in one place?
Frequently asked questions
Who lends through the Navi app?
Navi Finserv Limited, an RBI-registered NBFC.
Does Navi charge a processing fee?
Navi’s blog says there is no processing fee on its Cash Loan, but its finserv page does not state a fee. The KFS will show any charge.
Are these lenders RBI-regulated?
The loans described here are given by RBI-registered NBFCs or banks named in the table. Check the lender named in your loan agreement on RBI’s digital lending app list.
Where do these figures come from?
From each company’s official website and, where noted, its Google Play listing, checked on 12 October 2026. Where a company’s own pages disagree, we show both figures.
Sources
Read more: Moneyview app review · Navi lender profile · All loan app reviews · Lender directory
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Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.