Based on the search results, it appears that there are mixed opinions about the legitimacy and safety of the Navi Loan App. Here is a summary of the information found:

1. Navi Loan App is approved by the Reserve Bank of India (RBI) as a digital lending and UPI platform, which suggests that it meets certain regulatory standards [1].
2. However, there are concerns about the safety and privacy of user data. Some reports suggest that the app collects user data without their consent, raising questions about how the app uses and stores this information [2].
3. There have also been reports of the app being used to scam people out of money, indicating potential risks associated with using the app [2].
4. On the other hand, the Navi Loan App is licensed by relevant financial authorities and operates within the boundaries set by the law. The app's website displays necessary disclosures and terms and conditions, which enhances its credibility [3].
5. The app offers quick and easy application processes, fast loan approvals, and flexible repayment options. However, it's important to note that the interest rates may be higher compared to traditional financial institutions, and there may be restrictions on the maximum loan amount that can be availed [3].

In conclusion, while the Navi Loan App is approved by the RBI and has gained recognition as a loan app in India, there are concerns about the safety of user data and potential risks associated with using the app. Users should exercise caution and consider the pros and cons before deciding whether to use the app.

Learn more:

1. Navi Loan App Review In 2023 – Forbes Advisor INDIA
2. Is Navi Loan App Safe or Unsafe? | Geeks
3. Navi Loan App Fake OR Real?: (Check Authentic Apps In 2023)