Key Highlights
- As of Mar’25, Navi is capitalised with a NW of 3,162.69 crore. Correspondingly, the company’s gearing has also remained comfortable and was 2.2x
- Navi Finserv offers personal, home, and property loans through a 100% digital and paperless process.
- Portfolio quality has been improving over the year with net NPA of only 0.35% as of March FY25.
- Provides quick loan approvals and disbursals, with amounts up to ₹20 lakh (personal) and ₹5 crore (home/LAP).
Overview
Navi FinServ Ltd. is a non-deposit taking, systemically important NBFC registered with the RBI. The company was founded by Mr. Sachin Bansal, one of the founders of Flipkart. The company offers lending products like personal loans and home loans under the “Navi” brand. It is in the business of lending to individuals and entities including micro, small and medium enterprises, rural credit, and other body corporates across India and provide credit related services as an NBFC, including, inter alia, intermediation services for financial services agents and money transfer agents; credit linkage services; acting as a banking correspondent and generally carrying out most of the activities permissible to be carried out as an NBFC.
Management
Mr. Sachin Bansal (Non-Executive Chairman)
Mr. Sachin Bansal holds a bachelor’s degree in computer science and engineering from Indian Institute of Technology, Delhi. He is the co-founder of Flipkart.
Mr. Ankit Agarwal (Managing
Director)
Mr. Ankit Agarwal holds a bachelor’s degree in computer science and engineering from Indian Institute of Technology, Delhi and a master’s degree in management from Indian Institute of Management, Ahmedabad. He was previously associated with Bank of America as a director in global banking and markets. He was also associated with Deutsche Bank AG as their vice president.
Key Financials- FY25:
All figures in INR crore
Particular |
Amount |
AUM |
7975.95 |
Cash & Bank Balances |
1220.35 |
Borrowings |
7194.89 |
Total Assets |
10902.53 |
Revenue |
2289.91 |
Profit After Tax |
221.97 |
PAT Margin |
9.69 % |
Total Net worth |
3162.69 |
Return on Equity |
7.28 % |
NNPA |
0.35 % |
CRAR |
30.54 % |
Lenders
The prominent lenders in Navi Finserv Limited are:
Debt:
· State Sundaram Finance
· JM Financial
· Unifi AIF
· Aditya Birla Finance
· S K Finance
Equity: Navi Technologies
Limited
Explore corporate bonds below for Navi Finserv Limited
| Instrument Name | ISIN Id | Credit Rating | Min. Investment | Nature of security | YTM | Tenure (in Months) |
| Navi Finserv Limited | INE342T07601 | CRISIL "A" | ₹ 100,730 | Listed (Senior Secured) | 11.00% | 36 |
Above mentioned corporate bond details are as of Date: 20.08.2025.
Disclaimer:
Investments in debt securities/municipal debt securities/securitized debt instruments are subject to risks including delay and/or default in payment. Read all the offer-related documents carefully.