BDD is about communication and effective information.
Scenarios and feature files are meant to gather this information in a readable way.
A good scenario has a title that shows the intent of action and the steps that explain what are the conditions to be able to perform the action (Given), the action itself (When), and the consequences of the action (Then).
A feature file constitutes a set of related actions, that would make answer one's questions about a certain area of the application.
User login can be considered as a feature where multiple positive and
negative scenarios can be grouped under it.
True. If someone wants to understand the conditions to login, you read the login feature file.
page navigation (or) loading a page
These are not user actions. You would not pitch you software by saying it enables the user to load a page.
after funds transfer, user navigates back to the home screen
Here you have a user action: Fund transferring.
On the Fund Transferring feature file, you will have all the actions related to fund transferring. If someone wants to understand how fund transferring happens on your system, he/she should read this file.
every story cannot be considered as a feature
True. One user story may start the implementation of the Fund Transferring features in the app, but other may change or complement this first story. It should trigger changes and appends on the Fund Transferring feature file. It should be a living document, showing the current understanding of the feature.