How to Use Navi App without a Phone Number?

Are you looking for a way to get a loan digitally or in cash for various purposes in India? Then one of the best choices for that is to register a Navi account. Though, in accordance with the industry standards, the app registration requires you to pass the KYC policy as well as to complete a phone number verification.

But what can you do if you have no Indian number at hand or want to keep it private during the registration procedure? An effective solution here is to obtain a temporary Indian virtual phone number.

What is Navi App?

Navi app is an Indian-based financial services superapp that is mainly focused on lending services but also offers other features, such as UPI transfers and investing functionality. The app was launched in 2020, right at that time when the Indian financial market started to see a tremendous shift. The thing is that when the pandemic started, many people lost their jobs and were in need, so getting loans for them was crucial. Though, there was no other chance but to get an online loan.

That time, Navi app’s co-founders Sachin Bansal who previously launched Flipkart, the largest Indian ecommerce platform, and his fellow software engineer Ankit Agarwal with banking experience in the past have joined to launch the lending app with the 3000 crore investings, regardless the pandemic erupted.

The most important products of the Navi app include a diverse range of loans, such as:

• Customer loans
• Microloans
• Residential loans (or home loans)
• Car (or 2-wheeler) loans
• Business loans
• Educational loans

Now, let’s take a closer look at the features of the app that it brings to its customers.

Navi App: UPI, Investments, Insurance, Loans

Navi UPI (NPCI approved). This service makes money transfers even simpler. Using Navi UPI, you can:

• Make money remittance to any person at any convenient time.
• Replenish your account balance and pay utility bills.
• Make online payments freely in any required app — Navi supports wide integration opportunities.
• Make instant PIN-less transfers with Navi UPI Lite.

Navi Finserv. This investment tool allows you to invest in mutual funds and gold.

• Enables diversifying your portfolio with both national and foreign mutual funds.
• Minimal investment capital is 10 rupees.
• Flexible investment options with weekly or monthly SIP.
• One of the lowest flow-rate coefficients. Please keep in mind that this type of investing is one of the riskiest among other investments.

Health Insurance. With this tool, you get access to:

• Coverage up to 1 crore.
• Contributions to health insurance from 235 crores.
• Support of high-quality services in over 11,000 hospitals.
• Cashless claim calculation for 20 minutes.
• 100% coverage of the hospital bills through the cashless online payment.

Navi Cash Loans. Get instant cash loans for up to 20 lakh rupees.

• High interest rate of up to 26%.
• Flexible loan period from 3 to 84 months.
• Test a completely digital process of receiving a loan with instant remittance to your bank account.
• Get the right for the minimal annual family income of 3 lakh.

Navi Home Loans. Get a mortgage loan of up to 5 crore rupees with flexible EMI options to buy a house of your dreams.

• Loan amount of up to 5 crore.
• Interest rate of up to 13%.
• Loan period of up to 30 years.
• Zero processing fee.
• Up to 90% LTV.
• Limited services, being available in Bangalore, Chennai, and Hyderabad.

Navi App Referral Program & Other Services

Moreover, to earn even more with the app, you can join its referral program and get bonus points and rewards from the app for bringing referrals to the app’s community.

In addition, the company’s website features a wide range of calculations so that customers are able to calculate interest rates for their loans and returns for their deposits (and more; for the detailed information, check the website’s ‘Calculators’ section).

And finally, the thoroughly written blog on its website provides to customers a great opportunity to get informed on many finances-related topics, such as how to receive the Aadhar card online and pass the Aadhar verification online and various aspects on how to wiser receive loans and do investments.

How to Register Navi Account?

The registration procedure in the Navi app to start investing prescribes passing a few steps:

1. After installing the app, on the first registration screen, you’ll be asked to enter a phone number starting with +91 for verification. Tap ‘Get OTP’.
2. Provide the received code and tap ‘Verification’.
3. Then tap ‘Continue’ and give the app a permission to get access to your location, device, SMS, and the Contacts.

This is it, you have successfully signed up for the Navi app. To better protect your primary phone number from being leaked into the hands of malicious actors or marketers, consider purchasing a temp phone number issued by the remote software in the cloud.

Virtual Phone Number for the Navi Registration

Temporary numbers work for any online services that require you to pass phone number verification. This is a special tool designed for these purposes. Thanks to its wise functionality of no connection to SIM and specific devices, it provides a higher level of anonymity and privacy, compared to regular numbers. This makes it a helpful tool when you need to:

• Pass verification in thousands of local and global apps and web services.
• Bypass restrictions related to geolocation or any other reasons.
• Access any online platform that accepts local numbers only like the majority of Chinese apps.
• Register multiple accounts within the single platform — for mass-following and multi-accounting (typically)
• Submit a unique, unfamiliar phone number to remove a block from your account — just like Uber app does.

To purchase a temporary number to receive a security code for Navi account verification, do the following:

1. Register on sms-man.com with an e-mail address.
2. Top up your balance in any suitable way: a bank transfer, payment system or via cryptocurrency.
3. Choose the country (India) from provided options and then select the service (Navi) by tapping ‘Buy.’
4. Find the number in History below and copy it from there. Apply it to the Navi app.
5. Return to SMS-Man and request the code by tapping ‘Get SMS.’
6. Apply the code to complete registration process.