Terms & Conditions
The rules for using the NAVIX platform. Last updated: June 2026.
1. Acceptance
By accessing or using NAVIX, you agree to these Terms. If you do not agree, please do not use the platform.
2. The platform's role
NAVIX is a technology platform that facilitates loans offered by RBI-registered NBFC partners. NAVIX is not the lender. The loan agreement is between you and the NBFC, which is the lender of record.
3. Eligibility
- You must be an Indian citizen aged 21–58.
- You must meet the partner NBFC's credit and income criteria (including net monthly salary ≥ ₹40,000).
- You must provide accurate, complete information.
4. Fees & charges
NAVIX does not charge any advance fee. All interest and charges are determined by the partner NBFC and disclosed in the Key Fact Statement before you accept an offer.
5. Repayment
You agree to repay as per your loan agreement. There are no pre-closure or prepayment charges. Late payments may attract charges as disclosed by the NBFC and may affect your credit score.
6. Acceptable use
You agree not to misuse the platform, provide false information, or use it for unlawful purposes.
7. Limitation of liability
To the extent permitted by law, NAVIX is not liable for the lending decisions of partner NBFCs or for indirect or consequential losses.
8. Governing law
These Terms are governed by the laws of India, with jurisdiction in Bengaluru, Karnataka.