What is Navi's registered address for sending a legal notice?

Send your notice to Navi Technologies Limited, 3rd Floor, Salarpuria Touchstone, Outer Ring Road, Marathahalli, Bangalore – 560 037, Karnataka.

Can I send a legal notice to Navi for wrongful loan rejection?

Yes. If Navi rejected your loan application without clear reason, altered the approved amount without notice, or disbursed a lower amount than agreed, you can send a formal legal notice citing their obligations under the Consumer Protection Act, 2019 and RBI guidelines for digital lenders.

Navi denied my insurance claim without a valid reason — what can I do?

Navi offers health and term insurance products through its NBFC and insurance entity. An unjustified claim denial is a deficiency in service under the Consumer Protection Act, 2019. A legal notice demanding written justification and claim settlement puts Navi on formal record and compels a substantive response.

Navi charged me fees that were not disclosed upfront — can I get a refund?

Yes. Under RBI's Fair Practices Code for NBFCs and digital lending guidelines, all fees must be disclosed in the Key Fact Statement before loan disbursal. Any charge not reflected there is unauthorised. A legal notice can demand a refund plus a revised loan account statement.

Navi's recovery team is harassing me — what laws apply?

Navi Technologies and its NBFC arm must follow RBI's guidelines on recovery agent conduct. Calls outside permitted hours (8 AM–7 PM), abusive language, contacting family or colleagues, and threatening behaviour are all prohibited. A legal notice citing these violations can compel immediate cessation and trigger an internal compliance review.

How much does it cost to send a legal notice to Navi through vakiltech?

vakiltech charges ₹1,499 all-inclusive — advocate consultation, custom drafting, unlimited revisions, and Speed Post dispatch with Acknowledgment Due to Navi's registered office in Bangalore.

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Send Legal Notice to Navi

Navi Technologies Limited offers instant personal loans, home loans, and health insurance through a single app. But loan rejections without reason, insurance claim denials, and undisclosed fees are forcing borrowers and policyholders to seek formal recourse. A legal notice to Navi's registered office in Bangalore creates a legally binding record — and gets results.

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Navi Technologies Limited — Registered Address

Send your legal notice via Speed Post with Acknowledgment Due to:

Legal Entity Details

Legal Entity Name

Navi Technologies Limited

Brand Name

Navi

Registered Office(For Legal Notice)

3rd Floor, Salarpuria Touchstone,
Outer Ring Road, Marathahalli,
Bangalore – 560 037, Karnataka

Grievance

grievance@navi.com

Helpline

Customer Care

1800-123-6289

When Can You Send a Legal Notice to Navi?

Navi's product mix — instant loans, home loans, health and term insurance — creates several categories of disputes. Each of the following gives you a valid legal basis for a formal notice:

Loan rejected or disbursed at a lower amount without explanation

Health or term insurance claim denied without adequate reason

Processing fee, GST, or premium charged without prior disclosure

Interest rate or EMI amount changed after loan approval

Prepayment penalty not disclosed at the time of application

Loan repaid but CIBIL score still reflects an outstanding balance

Recovery calls outside permitted hours or with abusive language

Policy cancelled without written notice or refund of premium

NoteRaise your grievance in writing with Navi first. If unresolved within 15 days, a legal notice is your next step. For insurance claim denials, the Insurance Ombudsman is also an escalation option after the legal notice.

Did you know?

Navi Technologies operates both an NBFC (Navi Finserv Limited) and a general insurance entity (Navi General Insurance Limited), both regulated by RBI and IRDAI respectively. This dual regulation means borrowers and policyholders can escalate loan disputes to the RBI Ombudsman and insurance disputes to the IRDAI Ombudsman — in addition to filing a consumer complaint. A formal legal notice triggers response obligations at both entities simultaneously.

Laws That Protect You Against Navi

Consumer Protection Act, 2019

Navi's loan and insurance services fall under consumer law. Unexplained claim denial, hidden fees, and misleading pricing are all actionable as deficiency of service.

RBI Fair Practices Code for NBFCs

Navi Finserv Limited must comply with RBI's code — covering transparent pricing, Key Fact Statements, grievance resolution timelines, and recovery agent conduct.

IRDAI Regulations

Navi General Insurance is regulated by IRDAI. Claim denials without proper grounds, delayed settlement, and policy cancellation without notice are actionable under IRDAI's consumer protection guidelines.

Indian Contract Act, 1872

Your loan or insurance agreement is a contract. Any fee, penalty, or condition imposed outside the agreed terms is an unlawful alteration — giving you the right to demand a refund or correction.

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