Simran was born Rishibala Naval, as the first daughter, to Ashok Naval and Sharada Naval on 4 April 1976. She has two sisters, late Monal, an actress who committed suicide, and Jyoti Naval and a brother named Sumit. She did her schooling at St. Anthony's high school, versova, and finished her B. Com., in Mumbai while modeling simultaneously. Then she came to film industry. She speaks Punjabi, Hindi, English, Tamil.