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Navi alternatives: 4 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll personal loan apps

Top picks

Common reasons people leave Navi: interest rates can be high for lower credit scores, and investing is limited to Navi's own mutual funds. We ranked 4 alternatives by how directly each one replaces Navi, then by reviews, real visits and how recently each app's facts were checked against its own website. KreditBee currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1KrKreditBeeFree—NoWeb, iOS, Android4 of 468.8
2Moneyview logoMoneyviewFree—NoWeb, Android5 of 564.8
3Groww logoGrowwFree plan + paid—NoWeb, Android, iOS7 of 751.2
4CRED logoCREDFree—NoAndroid, iOS4 of 450.0
  1. Kr

    1. KreditBeeTop pick

    Best for: Salaried or self-employed Indians who need a small personal loan quickly with no paperwork

    FreeWeb, iOS, Android

    68.8

    score / 100

    Why switch from Navi

    Another Indian instant-loan app, with small short-term loans for people with thinner credit histories.

    Pros

    • Wide loan range, from ₹3,000 up to ₹10 lakh
    • Fully online process with money usually sent within minutes
    • Also covers business, two-wheeler and property loans

    Cons

    • Rates on small, short loans can be far above bank loans
    • Offers and limits depend heavily on your credit profile
    • Processing fees reduce the amount you actually receive
    Visit KreditBee Details and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is KreditBee a good Navi alternative?

    Verified facts

    4 of 4 verified
    Loan amount
    ₹3,000 to ₹10 lakh
    Checked Nov 8, 2026kreditbee.in(opens source in a new tab)
    Tenure
    3 to 60 months
    Checked Nov 8, 2026kreditbee.in(opens source in a new tab)
    Time to disbursal
    About 10 minutes
    Checked Nov 8, 2026kreditbee.in(opens source in a new tab)
    Lender
    KrazyBee Services (RBI-registered NBFC)
    Checked Nov 8, 2026kreditbee.in(opens source in a new tab)
  2. Moneyview logo

    2. Moneyview

    Best for: Indians who want an instant personal loan plus a free credit score tracker in one app

    FreeWeb, Android

    64.8

    score / 100

    Why switch from Navi

    Indian personal loan app that also weighs income and bank data, useful if Navi turns down an application.

    Pros

    • Loans up to ₹10 lakh with repayment up to five years
    • Minimal paperwork: PAN, selfie and Aadhaar-linked number
    • Free credit report tracker, FDs and gold in the same app

    Cons

    • Rates start at 14% a year and go higher for weaker profiles
    • The site directs app downloads to Google Play only
    • Many products come from partners, so terms vary
    Visit Moneyview Details and reviews
    How this score is calculated
    Editorial fit ×0.387
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Moneyview a good Navi alternative?

    Verified facts

    5 of 5 verified
    Loan amount
    ₹5,000 to ₹10 lakh
    Checked Nov 8, 2026moneyview.in(opens source in a new tab)
    Interest rate
    From 14% a year
    Checked Nov 8, 2026moneyview.in(opens source in a new tab)
    Tenure
    Up to 5 years
    Checked Nov 8, 2026moneyview.in(opens source in a new tab)
    Credit card
    With HDFC Bank
    Checked Nov 8, 2026moneyview.in(opens source in a new tab)
    Security
    ISO 27001:2022 certified
    Checked Nov 8, 2026moneyview.in(opens source in a new tab)
  3. Groww logo

    3. Groww

    Best for: First-time investors in India who want mutual funds and stocks in one simple app

    Free plan + paidWeb, Android, iOS

    51.2

    score / 100

    Why switch from Navi

    A fuller investing app with stocks and every fund house, if Navi's own index funds feel limiting.

    Pros

    • No account opening or maintenance charges
    • Direct mutual funds and SIPs with zero commission
    • Beginner-friendly app that also covers US stocks and IPOs

    Cons

    • Equity delivery trades carry brokerage, unlike Zerodha's ₹0
    • Advanced trading tools are split into separate terminal products
    • Runs its own mutual funds alongside third-party ones
    Visit Groww Details and reviews
    How this score is calculated
    Editorial fit ×0.341
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Groww a good Navi alternative?

    Verified facts

    7 of 7 verified
    Account opening
    ₹0
    Checked Nov 8, 2026groww.in(opens source in a new tab)
    Account maintenance
    ₹0
    Checked Nov 8, 2026groww.in(opens source in a new tab)
    Equity brokerage
    ₹20 or 0.1% per order, whichever is lower
    Checked Nov 8, 2026groww.in(opens source in a new tab)
    Customers
    50 million+
    Checked Nov 8, 2026groww.in(opens source in a new tab)
    Mutual funds
    Direct funds at zero charges
    Checked Nov 8, 2026groww.in(opens source in a new tab)
    MTF interest
    14.95% a year on the funded amount
    Checked Nov 8, 2026groww.in(opens source in a new tab)
    Pledge charge
    ₹20 per ISIN
    Checked Nov 8, 2026groww.in(opens source in a new tab)
  4. CRED logo

    4. CRED

    Best for: Indian credit card holders with good credit who want bill reminders and rewards on payments

    FreeAndroid, iOS

    50.0

    score / 100

    Why switch from Navi

    Offers personal loans through CRED Cash next to UPI and card bill payments, aimed at users with good credit scores.

    Pros

    • Pays credit card bills for most major Indian banks in one place
    • Free credit score checks via CIBIL
    • Rewards and cashback on bill and UPI payments

    Cons

    • Requires a credit score of 750 or more to join
    • Rewards are mostly partner offers rather than plain cash
    • Mobile only, and only for Indian mobile numbers
    Visit CRED Details and reviews
    How this score is calculated
    Editorial fit ×0.338
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is CRED a good Navi alternative?

    Verified facts

    4 of 4 verified
    Membership requirement
    Credit score of 750+
    Checked Nov 8, 2026cred.club(opens source in a new tab)
    Members
    25 million+
    Checked Nov 8, 2026cred.club(opens source in a new tab)
    Credit score checks
    Free, via CIBIL soft inquiry
    Checked Nov 8, 2026cred.club(opens source in a new tab)
    UPI payments
    Yes
    Checked Nov 8, 2026cred.club(opens source in a new tab)

The best Navi alternative for…

The highest-ranked app in this list for each need.

Kr

Best Navi alternative for most people

KreditBee

Another Indian instant-loan app, with small short-term loans for people with thinner credit histories.

Moneyview logo

Best Navi alternative for a free option

Moneyview

Indian personal loan app that also weighs income and bank data, useful if Navi turns down an application.

Groww logo

Best Navi alternative for a free plan you can upgrade

Groww

A fuller investing app with stocks and every fund house, if Navi's own index funds feel limiting.

CRED logo

Best Navi alternative for iPhone and Android

CRED

Offers personal loans through CRED Cash next to UPI and card bill payments, aimed at users with good credit scores.

Kr

Best Navi alternative for working in the browser

KreditBee

Another Indian instant-loan app, with small short-term loans for people with thinner credit histories.

Navi alternatives: common questions

What is the best alternative to Navi?

KreditBee ranks first right now. Another Indian instant-loan app, with small short-term loans for people with thinner credit histories. Moneyview and Groww follow it in our ranking.

Navi vs KreditBee: what's the difference?

Both Navi and KreditBee are free to use. Only KreditBee runs on Web.

Is Navi free?

Navi is free to use. Maximum cash loan: ₹20 lakh; Minimum mutual fund investment: ₹100; Health cover: Up to ₹1 crore. Checked on Navi's own site, November 2026.

Is there a free alternative to Navi?

Yes. KreditBee (free), Moneyview (free), Groww (free plan + paid) and CRED (free) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Navi?

None of the 4 alternatives in this list is open source.

Why do people switch from Navi?

The complaints we hear most: interest rates can be high for lower credit scores; investing is limited to Navi's own mutual funds; available only in India.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Navi, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.