Navi is a popular loan app in India that provides quick and easy access to personal loans. However, you may wish to delete your Navi account at some point for various reasons. Here is a detailed guide on how to delete your Navi loan app account of NaoTotNhat.
When Should You Delete Your Navi Loan App Account
There are a few situations when you may want to delete your Navi account:
You No Longer Need The Account
If you have closed all your loan accounts with Navi and have no intention of taking another loan, it’s better to delete your account for security reasons. This ensures your personal data is removed from Navi’s systems.
You Want To Re-apply For A Loan
If you were rejected for a loan earlier, Navi may have retained data about it. Deleting your existing account and creating a new one can give you a fresh start if you want to re-apply.
Privacy And Security Concerns
Having multiple unneeded accounts on various apps increases risks around hacking, data theft, and misuse of personal information. Deleting old accounts improves safety.
How to Delete Your Navi Loan App Account Permanently
Deleting your Navi account is easy but the process needs to be followed carefully. Here are the detailed steps:
Step 1: Login To Your Navi App
Launch the Navi app on your device and login with your credentials. This provides access to the account deletion process.
Step 2: Go To Profile Settings
Once logged in, tap on your profile icon usually found on the top right. Next, tap on the Settings option.
Alternative Path To Settings
On some devices, the Settings options may be under Menu or More options.
Step 3: Choose Delete Account Option
Under Settings, you will find the option to delete, remove, close or deactivate your Navi account. The exact term may vary on different device versions.
Step 4: Enter Details And Confirm
You will need to enter some details like your loan account number to confirm account deletion. Read all prompts carefully before proceeding.
Step 5: Wait For Account Closure
Navi will initiate the account deletion process after your confirmation. This may take 2-3 business days to complete after which your account is permanently deleted.
Saved Data Remains
Any data saved on your device storage will still remain. If you want to remove traces of Navi completely, uninstall the app as well.
How Long Does It Take To Delete My Navi App Account?
It usually takes 2-3 working days for Navi to fully delete your account after you raise a deletion request through the app. Here is an approximate timeline:
Day 1: Account Deactivation
As soon as you confirm account removal, it is deactivated within 24 hours. You can no longer access the app.
Day 2-3: Data Removal
Background processes will start deleting your personal data, application details, history, bank links, etc from Navi’s servers.
Day 3-4: Account Deleted
It takes up to 72 business hours for the entire account deletion. You will receive a confirmation message on registered contact channels like email or SMS.
The exact duration can vary slightly depending on loan closure formalities if you had an active loan. Weekends and holidays may also add to the timeline.
Temporary Deactivation
If you have only requested temporary deactivation earlier, the process to delete the account permanently is the same.
Can I Delete And Recreate My Navi Loan App Account?
Yes, you can delete your current Navi account and later create a new account from scratch. Follow these steps:
Step 1: Close Existing Account
First, go through the Navi account deletion process described earlier in this article. Ensure it is completely removed.
Step 2: Download Fresh App Copy
Uninstall the Navi app from your device and clear any cached data. Then install a fresh copy of the latest Navi app version.
Step 3: Create New Account
Launch the freshly installed app and click on Create New Account. Then simply proceed to create an all-new account on Navi by providing your details again.
Step 4: Start Afresh
Your new Navi account will not have any links or history related to your previous use. You can apply for loans etc as a new user.
However, do remember Navi may still have records of any previous loans disbursed to you earlier even if you create a new account.
Conclusion
Deleting your Navi loan app account may be necessary if you no longer need it or have privacy concerns. The process is fairly simple and can be initiated from within the app in a few taps. It usually takes around 3 working days for account removal after which you can also recreate a new account if needed. Proactively managing and deleting old unused accounts is always good practice.