{"id":3925,"date":"2022-04-27T10:37:07","date_gmt":"2022-04-27T10:37:07","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=3925"},"modified":"2026-02-25T11:12:55","modified_gmt":"2026-02-25T11:12:55","slug":"navi-finserv-limited-may-2022-should-you-invest","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/","title":{"rendered":"NAVI FINSERV LIMITED &#8211; May 2022, Should you invest?"},"content":{"rendered":"<p>High Yield\u00a0|\u00a0IND A Rated\u00a0|\u00a0Minimum Investment: 10k Only<\/p>\n<p>Navi Finserv Limited is issuing the Non-Convertable Debentures. These NCDs are IND A\/Stable rated by India Ratings and Research Pvt Ltd. The NCDs are being issued in four series: coupon ranges from 9.20% to 9.75% p.a. and different tenures of 1.5 years, and 2.3 years. The NCDs are secured and redeemable in nature.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-4048\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121731\/Issuer-Details-1-1024x605.png\" alt=\"Minimum Investment for Navi Finserv Ltd\" width=\"665\" height=\"393\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121731\/Issuer-Details-1-1024x605.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121731\/Issuer-Details-1-300x177.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121731\/Issuer-Details-1-768x453.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121731\/Issuer-Details-1-1536x907.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121731\/Issuer-Details-1-1170x691.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121731\/Issuer-Details-1-585x345.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121731\/Issuer-Details-1.png 1548w\" sizes=\"(max-width: 665px) 100vw, 665px\" \/><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#INVEST_NOW\" >INVEST NOW<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#Coupon_rates_and_effective_yield_for_each_of_the_series\" >Coupon rates and effective yield for each of the series<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#Allocation_Ratio\" >Allocation Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#Investment_Process_for_NAVI_FINSERV_LTD_NCD_IPO\" >Investment Process for NAVI FINSERV LTD NCD IPO<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#Issue_analysis\" >Issue analysis<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#Pros\" >Pros<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#Cons\" >Cons<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#To_get_better_returns_than_Bank_FDs_invest_in_NCD-IPOs_online\" >To get better returns than Bank FDs, invest in NCD-IPOs online.<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#About_Navi_Finserv_Ltd\" >About Navi Finserv Ltd.<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#Snapshot_stating_the_Revenue_Expenses_EBIT_Net_Worth_and_PAT_Amount_in_Rs_Crore\" >Snapshot stating the Revenue, Expenses, EBIT, Net Worth and PAT (Amount in Rs. Crore)<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#Ratio_Analysis\" >Ratio Analysis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#Key_Highlights\" >Key Highlights<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#Financial_for_2021\" >Financial for 2021<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#Strengths\" >Strengths<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#Weakness\" >Weakness<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#Invest_in_Bond_IPO_online_in_just_5_minutes\" >Invest in Bond IPO online in just 5 minutes<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"INVEST_NOW\"><\/span><span style=\"color: #004f98;\"><a style=\"color: #004f98;\" href=\"https:\/\/goldenpi.com\/bonds\/GPID101449\/navi-finserv-private-limited-92-bond-yield?src=preview?utm_source=blog&amp;utm_medium=blog&amp;utm_campaign=naviipomay22\"><strong>INVEST NOW<\/strong><\/a><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Coupon_rates_and_effective_yield_for_each_of_the_series\"><\/span><strong><span lang=\"EN\" style=\"font-size: 16.5pt; line-height: 115%; color: #313131;\">Coupon rates and effective yield for each of the series <\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-4049\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121833\/Coupon-Rate-1024x190.png\" alt=\"Coupon rates and effective yield\" width=\"674\" height=\"125\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121833\/Coupon-Rate-1024x190.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121833\/Coupon-Rate-300x56.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121833\/Coupon-Rate-768x142.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121833\/Coupon-Rate-1170x217.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121833\/Coupon-Rate-585x108.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19121833\/Coupon-Rate.png 1436w\" sizes=\"(max-width: 674px) 100vw, 674px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Allocation_Ratio\"><\/span><strong><span lang=\"EN\">Allocation Ratio<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The allocation ratio is prepared based on norms laid down by SEBI. Before announcing the allocation ratio, the same has to be approved by SEBI.\u00a0 Once the IPO subscription closes, applications will be divided into different categories. The category-wise allocation ratio is always decided and declared during the launch of the particular IPO. Considering the Allocation Ratio, units will be assigned to applicants. Refer to the chart to know the application ratio for NAVI NCD-IPO.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-4054\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19124811\/Allocation-Ratio-1-1-1024x590.png\" alt=\"Allocation Ratio for Navi Finserv Ltd\" width=\"574\" height=\"331\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19124811\/Allocation-Ratio-1-1-1024x590.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19124811\/Allocation-Ratio-1-1-300x173.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19124811\/Allocation-Ratio-1-1-768x442.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19124811\/Allocation-Ratio-1-1-585x337.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19124811\/Allocation-Ratio-1-1.png 1052w\" sizes=\"(max-width: 574px) 100vw, 574px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Investment_Process_for_NAVI_FINSERV_LTD_NCD_IPO\"><\/span><strong>Investment Process for NAVI FINSERV LTD NCD IPO<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You can invest in IPOs via GoldenPi in easy steps.<\/p>\n<p><strong>If the investment amount is less than &amp; up to 10 lakhs,<\/strong> retail investors can apply for an IPO online.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-3829\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/07104725\/IPO-1-1-1024x512.jpeg\" alt=\"investment amount is less than &amp; up to 10 lakhs\" width=\"585\" height=\"293\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/07104725\/IPO-1-1-1024x512.jpeg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/07104725\/IPO-1-1-300x150.jpeg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/07104725\/IPO-1-1-768x384.jpeg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/07104725\/IPO-1-1-1536x768.jpeg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/07104725\/IPO-1-1-1170x585.jpeg 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/07104725\/IPO-1-1-1920x960.jpeg 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/07104725\/IPO-1-1-585x292.jpeg 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/07104725\/IPO-1-1.jpeg 2027w\" sizes=\"(max-width: 585px) 100vw, 585px\" \/><\/p>\n<p><strong><em>If the investment amount is more than 10 Lakhs. <\/em><\/strong><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-3794\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/06102754\/More-than-10-lakhs-1-1024x512.jpeg\" alt=\"investment amount is more than 10 Lakhs\" width=\"559\" height=\"280\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/06102754\/More-than-10-lakhs-1-1024x512.jpeg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/06102754\/More-than-10-lakhs-1-300x150.jpeg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/06102754\/More-than-10-lakhs-1-768x384.jpeg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/06102754\/More-than-10-lakhs-1-1536x768.jpeg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/06102754\/More-than-10-lakhs-1-1170x585.jpeg 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/06102754\/More-than-10-lakhs-1-1920x960.jpeg 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/06102754\/More-than-10-lakhs-1-585x292.jpeg 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/06102754\/More-than-10-lakhs-1.jpeg 2027w\" sizes=\"(max-width: 559px) 100vw, 559px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Issue_analysis\"><\/span><strong>Issue analysis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h6><span class=\"ez-toc-section\" id=\"Pros\"><\/span><strong><span style=\"color: #339966;\">Pros<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h6>\n<ul>\n<li>These NCDs are secured by the assets of the company providing an additional layer of protection to your investment.<\/li>\n<li>These are secured securities.<\/li>\n<li>The issuer is offering high coupon rates, when compared with FD rates.<\/li>\n<li>These NCDs are IND A rated with a stable outlook. A rated NCDs are considered investment-grade securities.<\/li>\n<\/ul>\n<h6><span class=\"ez-toc-section\" id=\"Cons\"><\/span><strong><span style=\"color: #ff0000;\">Cons<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h6>\n<ul>\n<li>Lending business is facing consistent losses.<\/li>\n<li>Asset quality deteriorating by over 10%.<\/li>\n<\/ul>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"To_get_better_returns_than_Bank_FDs_invest_in_NCD-IPOs_online\"><\/span><span style=\"color: #004f98;\"><strong><a style=\"color: #004f98;\" href=\"https:\/\/goldenpi.com\/bond-better-return-fds?utm_source=blog&amp;utm_medium=blog&amp;utm_campaign=naviipomay22\">To get better returns than Bank FDs, invest in NCD-IPOs online.<\/a><\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/11\/30095703\/NAVI-FINSERV-LIMITED-%E2%80%93-May-2022-Should-you-invest.gif\" alt=\"NAVI FINSERV LIMITED\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"About_Navi_Finserv_Ltd\"><\/span><strong>About Navi Finserv Ltd.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Navi Finserv Ltd, is a non-banking financial institution. Incorporated in 2012, NFPL is a fully owned subsidiary of the Navi Group. The company was set up by the founder and ex-promoter of Flipkart, Sachin Bansal and his friend Ankit Agarwal.<\/p>\n<p>Business Verticals:<\/p>\n<ol>\n<li>Digital Personal Loans<\/li>\n<li>Home Loans<\/li>\n<li>Mutual Funds<\/li>\n<li>Health Insurance<\/li>\n<li>Micro-Loans<\/li>\n<\/ol>\n<h5 style=\"line-height: 107%;\"><span class=\"ez-toc-section\" id=\"Snapshot_stating_the_Revenue_Expenses_EBIT_Net_Worth_and_PAT_Amount_in_Rs_Crore\"><\/span><strong><span lang=\"EN\" style=\"font-size: 11.0pt; line-height: 107%;\">Snapshot stating the Revenue, Expenses, EBIT, Net Worth and PAT (<\/span>Amount in Rs. Crore)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-4055\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19124943\/Financial-Overview-1.png\" alt=\"About Navi Finserv Ltd\" width=\"642\" height=\"202\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19124943\/Financial-Overview-1.png 848w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19124943\/Financial-Overview-1-300x94.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19124943\/Financial-Overview-1-768x241.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19124943\/Financial-Overview-1-585x184.png 585w\" sizes=\"(max-width: 642px) 100vw, 642px\" \/><\/p>\n<p><strong>Cash flow for last 5 years<\/strong><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-4052\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19122752\/Cashflow-1.png\" alt=\"Cash flow for Navi Finserv Ltd\" width=\"656\" height=\"255\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19122752\/Cashflow-1.png 942w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19122752\/Cashflow-1-300x117.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19122752\/Cashflow-1-768x298.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19122752\/Cashflow-1-585x227.png 585w\" sizes=\"(max-width: 656px) 100vw, 656px\" \/><\/p>\n<p>Cash flow refers to the movement of cash in and out of the business at a specific point in time. It represents the net balance of the cash movement.<\/p>\n<ul>\n<li>*Cash flow from operating activities reflects the amount a company generates through its product of services.<\/li>\n<li>**Cash flow from investing activities reflects cash generated and spent relating to investing activities, like purchase of assets, sales of securities etc.<\/li>\n<li>***Cash flow from financing activities gives an insight into the financial stability of a company to its investors. It reflects the net flows of cash that are used to fund the company.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Ratio_Analysis\"><\/span><strong>Ratio Analysis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img decoding=\"async\" class=\"alignnone wp-image-4053 size-large\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19122926\/Ratio-Analysis-1024x613.png\" alt=\"Ratio Analysis for Navi Finserv Ltd\" width=\"1024\" height=\"613\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19122926\/Ratio-Analysis-1024x613.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19122926\/Ratio-Analysis-300x180.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19122926\/Ratio-Analysis-768x460.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19122926\/Ratio-Analysis-1536x920.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19122926\/Ratio-Analysis-1170x701.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19122926\/Ratio-Analysis-585x350.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/19122926\/Ratio-Analysis.png 1820w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Key_Highlights\"><\/span><b>Key Highlights<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h6><span class=\"ez-toc-section\" id=\"Financial_for_2021\"><\/span><strong>Financial for 2021<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h6>\n<ul>\n<li>Total Assets- Rs. 3321 Crore<\/li>\n<li>Total Equity- Rs. 1152.6 Crore<\/li>\n<li>Net Profit- Rs. 97.5 Crore<\/li>\n<li>Capital Adequacy Ratio- 38%<\/li>\n<\/ul>\n<h6><span class=\"ez-toc-section\" id=\"Strengths\"><\/span><strong>Strengths<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h6>\n<ul>\n<li>Large Capital Base<\/li>\n<li>Eminent Board and Advisors<\/li>\n<li>Adequate Liquidity<\/li>\n<li>Reserve Equity to support business requirements<\/li>\n<\/ul>\n<h6><span class=\"ez-toc-section\" id=\"Weakness\"><\/span><strong>Weakness<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h6>\n<ul>\n<li>Weak Operating Parameters<\/li>\n<li>Lending business leverage exceeding 3.5x<\/li>\n<\/ul>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Invest_in_Bond_IPO_online_in_just_5_minutes\"><\/span><span style=\"color: #004f98;\"><strong><a style=\"color: #004f98;\" href=\"https:\/\/goldenpi.com\/bond-ipo-online?utm_source=blog&amp;utm_medium=blog&amp;utm_campaign=naviipomay22\">Invest in Bond IPO online in just 5 minutes<\/a><\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div id=\"footable_parent_7807\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <div class=\"pcrstb-wrap\"><table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"7807\" data-filter-delay=\"1000\" aria-label=\"IPO Table - Navi Finserv.csv\"            id=\"footable_7807\"\n           data-unique_identifier=\"ninja_table_unique_id_1974626668_7807\"\n           class=\" foo-table ninja_footable foo_table_7807 ninja_table_unique_id_1974626668_7807 ui table  nt_type_legacy_table selectable striped vertical_centered  footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                            <col class=\"ninja_column_3 \">\n                            <col class=\"ninja_column_4 \">\n                            <col class=\"ninja_column_5 \">\n                            <col class=\"ninja_column_6 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                                                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_details \">Details <\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_maximumyield \">Maximum yield<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_overallissuesize \">Overall Issue Size\t<\/th><th scope=\"col\"  class=\"ninja_column_3 ninja_clmn_nm_creditrating \">Credit Rating<\/th><th scope=\"col\"  class=\"ninja_column_4 ninja_clmn_nm_startdate \">Start Date<\/th><th scope=\"col\"  class=\"ninja_column_5 ninja_clmn_nm_closingdate \">Closing Date<\/th><th scope=\"col\"  class=\"ninja_column_6 ninja_clmn_nm_formoredetails \">For more details<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"115\" class=\"ninja_table_row_0 nt_row_id_115\">\n            <td>Navi Finserv NCD IPO July, 2023<\/td><td>11.01%<\/td><td>500 cr<\/td><td>CRISIL A Stable, IND A Stable <\/td><td>July 10, 2023 <\/td><td>July 21, 2023<\/td><td><a   class=\"nt_btn \" style=\"\" rel=\"\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/\">More Details <\/a><\/td>        <\/tr>\n            <tr data-row_id=\"114\" class=\"ninja_table_row_1 nt_row_id_114\">\n            <td>Navi Finserv NCD IPO May 2022<\/td><td>9.80%<\/td><td>600 cr<\/td><td>IND A (Stable)<\/td><td>May 23, 2022<\/td><td>June 10, 2022<\/td><td><a   class=\"nt_btn \" style=\"\" rel=\"\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/\">More Details <\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table><\/div>\n    \n    \n    \n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>High Yield\u00a0|\u00a0IND A Rated\u00a0|\u00a0Minimum Investment: 10k Only Navi Finserv Limited is issuing the Non-Convertable Debentures. These NCDs are IND A\/Stable rated by&hellip;<\/p>\n","protected":false},"author":4,"featured_media":12112,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[163],"tags":[],"class_list":["post-3925","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-navi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NAVI FINSERV LIMITED - May 2022, Should you invest? - GoldenPi | Blogs<\/title>\n<meta name=\"description\" content=\"NAVI FINSERV LIMITED - May 2022, Should you invest?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NAVI FINSERV LIMITED - May 2022, Should you invest? - GoldenPi | Blogs\" \/>\n<meta property=\"og:description\" content=\"NAVI FINSERV LIMITED - May 2022, Should you invest?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/\" \/>\n<meta property=\"og:site_name\" content=\"GoldenPi | Blogs\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/goldenpitech\" \/>\n<meta property=\"article:author\" content=\"goldenpitech\" \/>\n<meta property=\"article:published_time\" content=\"2022-04-27T10:37:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-25T11:12:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/25111234\/Navi-Finserv-Limited-%E2%80%93-Should-You-Invest-May-2022.png\" \/>\n\t<meta property=\"og:image:width\" content=\"731\" \/>\n\t<meta property=\"og:image:height\" content=\"347\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:site\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/\",\"url\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/\",\"name\":\"NAVI FINSERV LIMITED - May 2022, Should you invest? - GoldenPi | Blogs\",\"isPartOf\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/25111234\/Navi-Finserv-Limited-%E2%80%93-Should-You-Invest-May-2022.png\",\"datePublished\":\"2022-04-27T10:37:07+00:00\",\"dateModified\":\"2026-02-25T11:12:55+00:00\",\"author\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7b7afc706617dbf29357675946045722\"},\"description\":\"NAVI FINSERV LIMITED - May 2022, Should you invest?\",\"breadcrumb\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#primaryimage\",\"url\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/25111234\/Navi-Finserv-Limited-%E2%80%93-Should-You-Invest-May-2022.png\",\"contentUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/25111234\/Navi-Finserv-Limited-%E2%80%93-Should-You-Invest-May-2022.png\",\"width\":731,\"height\":347,\"caption\":\"Navi Finserv Limited May 2022\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/goldenpi.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"NAVI FINSERV LIMITED &#8211; May 2022, Should you invest?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\",\"url\":\"https:\/\/goldenpi.com\/blog\/\",\"name\":\"GoldenPi | Blogs\",\"description\":\"All about bonds online in India\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/goldenpi.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7b7afc706617dbf29357675946045722\",\"name\":\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/753eff78609551874c9773d3bee5eeab7bba3aa40f99a8b2405592eed9d9df89?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/753eff78609551874c9773d3bee5eeab7bba3aa40f99a8b2405592eed9d9df89?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"caption\":\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\"},\"description\":\"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.\",\"sameAs\":[\"goldenpitech\",\"https:\/\/www.linkedin.com\/company\/goldenpi\/\",\"https:\/\/x.com\/GoldenPiTech\"],\"url\":\"https:\/\/goldenpi.com\/blog\/author\/goldenpi\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"NAVI FINSERV LIMITED - May 2022, Should you invest? - GoldenPi | Blogs","description":"NAVI FINSERV LIMITED - May 2022, Should you invest?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/","og_locale":"en_US","og_type":"article","og_title":"NAVI FINSERV LIMITED - May 2022, Should you invest? - GoldenPi | Blogs","og_description":"NAVI FINSERV LIMITED - May 2022, Should you invest?","og_url":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/","og_site_name":"GoldenPi | Blogs","article_publisher":"https:\/\/www.facebook.com\/goldenpitech","article_author":"goldenpitech","article_published_time":"2022-04-27T10:37:07+00:00","article_modified_time":"2026-02-25T11:12:55+00:00","og_image":[{"width":731,"height":347,"url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/25111234\/Navi-Finserv-Limited-%E2%80%93-Should-You-Invest-May-2022.png","type":"image\/png"}],"author":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","twitter_card":"summary_large_image","twitter_creator":"@GoldenPiTech","twitter_site":"@GoldenPiTech","twitter_misc":{"Written by":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/","url":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/","name":"NAVI FINSERV LIMITED - May 2022, Should you invest? - GoldenPi | Blogs","isPartOf":{"@id":"https:\/\/goldenpi.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#primaryimage"},"image":{"@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#primaryimage"},"thumbnailUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/25111234\/Navi-Finserv-Limited-%E2%80%93-Should-You-Invest-May-2022.png","datePublished":"2022-04-27T10:37:07+00:00","dateModified":"2026-02-25T11:12:55+00:00","author":{"@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7b7afc706617dbf29357675946045722"},"description":"NAVI FINSERV LIMITED - May 2022, Should you invest?","breadcrumb":{"@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#primaryimage","url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/25111234\/Navi-Finserv-Limited-%E2%80%93-Should-You-Invest-May-2022.png","contentUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/04\/25111234\/Navi-Finserv-Limited-%E2%80%93-Should-You-Invest-May-2022.png","width":731,"height":347,"caption":"Navi Finserv Limited May 2022"},{"@type":"BreadcrumbList","@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-limited-may-2022-should-you-invest\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/goldenpi.com\/blog\/"},{"@type":"ListItem","position":2,"name":"NAVI FINSERV LIMITED &#8211; May 2022, Should you invest?"}]},{"@type":"WebSite","@id":"https:\/\/goldenpi.com\/blog\/#website","url":"https:\/\/goldenpi.com\/blog\/","name":"GoldenPi | Blogs","description":"All about bonds online in India","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/goldenpi.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7b7afc706617dbf29357675946045722","name":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/753eff78609551874c9773d3bee5eeab7bba3aa40f99a8b2405592eed9d9df89?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/753eff78609551874c9773d3bee5eeab7bba3aa40f99a8b2405592eed9d9df89?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","caption":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi"},"description":"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.","sameAs":["goldenpitech","https:\/\/www.linkedin.com\/company\/goldenpi\/","https:\/\/x.com\/GoldenPiTech"],"url":"https:\/\/goldenpi.com\/blog\/author\/goldenpi\/"}]}},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/3925","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/comments?post=3925"}],"version-history":[{"count":18,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/3925\/revisions"}],"predecessor-version":[{"id":7810,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/3925\/revisions\/7810"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media\/12112"}],"wp:attachment":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media?parent=3925"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/categories?post=3925"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/tags?post=3925"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}