Navi Finserv Limited

ISIN: INE342T07619

YTM Icon10.50%
YTM
₹ 1,00,251.07
Min Investment
Monthly
Payout
₹ 1,00,000
Face Value
10.00%
Coupon
25 Mar 2027
Maturity Date
Currently subscribedLot Size : 50 Units available
0% Completed

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About The Issuer

Navi Finserv Limited (NFL) is a non-deposit-taking, systemically important NBFC registered with the Reserve Bank of India and a wholly owned subsidiary of Navi Technologies Limited, founded by Sachin Bansal. The company provides digitally driven lending solutions, primarily personal loans and home loans, through its technology-first platform. Backed by strong promoter support and a scalable digital business model, NFL continues to demonstrate stable growth and financial resilience in India’s fintech lending ecosystem.

Metric
FY25
Managed AUM (₹ Cr)
11,505
Net Worth (₹ Cr)
3,162
Profit (FY25) (₹ Cr)
221
CRAR (%)
30.5
Debt-to-Equity Ratio (x)
2.3
GNPA (%)
2.46
NNPA (%)
0.35%
Collection Efficiency (%)
99.2
💡Issuer Health Summary

Key financial indicators to assess stability & repayment capacity.

Key Risks & Disclosures

Exposure to Unsecured Personal Loans:The issuer’s portfolio is predominantly unsecured, which may increase sensitivity to borrower defaults and macroeconomic stress.
Asset Quality Vulnerability in a Scaling Digital Lending Model:Personal loans constituted approximately 87% of the Assets Under Management (AUM) as of March 31, 2025, while home loans accounted for the remaining share. The unsecured nature of this portfolio makes asset quality a key monitorable.
Moderate Profitability Due to High Operating and Credit Costs:The issuer’s profitability is constrained by investments in technology, customer acquisition, and credit provisioning.
Sensitivity to Gearing and Capital Adequacy:While the company maintains a strong capital position, sustained increases in leverage could negatively affect its credit rating.

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Trade & Settlement

Trade date
05 May 2026
Orders placed after 4 PM will be executed on the next business day.Weekends & exchange holidays are skipped.

Totals (For Selected Units)

Price per Unit
₹1,00,251.07
Investment amount
₹1,00,251.07
Total Interest
₹9,150.72
Total Receivable
₹1,09,150.72

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