Third-party
Navi
Was reported as a top-five UPI app by volume, then described as a secondary rewards app. Reward wording is “chance to win”, not a published flat rate.
Install and signup
How to start using Navi
Use the checked provider route above, not an APK sent over chat. The ordinary bank-account UPI setup takes four steps.
- Open the official install or signup link and verify the app developer.
- Register with the mobile number linked to your bank account.
- Select the bank, allow the verification SMS, and choose the account.
- Create or confirm the UPI PIN. Never enter the PIN to receive money.
The questions
What Navi can keep in one transaction trail.
Yes means that payment is supported. The goal is to keep most UPI payments easy to check later: status, reference ID, reversal and dispute path. Cashback is shown only as context.
| Payment | Supported | Reward note |
|---|---|---|
| Paying a shop | Yes | — |
| Mobile recharge | Not checked | — |
| Credit card bill | Not checked | — |
| Utility bills | Not checked | — |
| FASTag | Not checked | — |
| Sending money to a person | Yes | — |
| RuPay credit card on UPI | Yes | — |
PSP bank on file: Axis Bank, Yes Bank. That helps identify the payment route; it is not a reason to chase rewards.
Quoted from the source
Users get a chance to win rewards every time they use Navi UPI.
withupi.comNavi appears in the current NPCI TPAP source checked on 4 October 2026.
npci.org.in
Questions people ask
Navi FAQs
What is Navi?
Was reported as a top-five UPI app by volume, then described as a secondary rewards app. Reward wording is “chance to win”, not a published flat rate.
Is Navi an NPCI-listed UPI app?
Yes. NPCI listed Navi in its UPI third-party applications roster when checked on 4 October 2026.
How do I install and sign up for Navi?
Open the official install or signup link on this page, verify the developer name, register with the mobile number linked to your bank, select the bank account, and create or confirm the UPI PIN. Never enter a UPI PIN merely to receive money.
Does Navi need a bank account?
Ordinary UPI registration normally needs an Indian bank account and the mobile number registered with that bank. This catalogue has not verified a bank-free route for Navi.
Which banks and UPI handles does Navi use?
The PSP bank or banks on file are Axis Bank, Yes Bank. Handles on file include @naviaxis, @nyes.
Does Navi give cashback or rewards?
No stable cashback rate is verified for Navi. Any scratch card, coupon, coin or campaign shown in the app can change and should not be treated as a guaranteed return on every UPI payment. Pick Navi only if it is convenient for the payments you actually make.
Does Navi charge for UPI payments?
No app-use fee is verified in this record. Ordinary bank-account UPI payments are usually free to the customer, but card bills, wallet loading, credit products and other services can have separate fees. Check the confirmation screen before paying.
What is the daily UPI limit on Navi?
There is no single verified Navi limit in this record. The effective limit can depend on your bank, transaction type, beneficiary cooling period and the app's risk controls. Your bank and the live payment screen are the final sources.
Should I use Navi only for rewards?
No. Use Navi if it makes everyday UPI easier to check later: merchant payments, transfers, bills, recharges, bookings, transaction history, UPI reference IDs, reversals and support. UPI rewards are usually temporary and capped. For rewards and cashback, credit cards are normally the better product.
Is Navi safe?
Navi should be installed only from the official link or a verified app-store listing. Check the developer, never share an OTP or UPI PIN, and remember that a UPI PIN authorises money leaving your account—it is not needed to receive money.
What should I do if a Navi payment fails but money is deducted?
Do not pay again immediately. Open the transaction, save the UPI reference, amount and time, check the bank account for a reversal, and raise a complaint inside Navi if it does not reverse within the stated period. You can also use NPCI's official UPI Help service.