{"id":6336,"date":"2023-07-05T11:58:26","date_gmt":"2023-07-05T11:58:26","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=6336"},"modified":"2026-02-25T14:42:18","modified_gmt":"2026-02-25T14:42:18","slug":"navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/","title":{"rendered":"NAVI FINSERV PRIVATE LIMITED NCD IPO- July 2023, should you invest?"},"content":{"rendered":"<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 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/#High_Yield_AStable_rated_Minimum_Investment_10k_Only\" >High Yield\u00a0| A\/Stable rated\u00a0|\u00a0Minimum Investment: 10k Only<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/#NAVI_FINSERV_PVT_LTD_NCD_IPO_Coupon_rates_and_effective_yield_for_each_of_the_series\" >NAVI FINSERV PVT. LTD. NCD IPO: Coupon rates and effective yield for each of the series<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/#Allocation_Ratio\" >Allocation Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/#Investment_Process_for_NAVI_FINSERV_PVT_LTD_NCD_IPO\" >Investment Process for NAVI FINSERV PVT LTD NCD IPO<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/#Financial_Overview\" >Financial Overview<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/#Snapshot_stating_the_Revenue_Expenses_EBIT_Net_Worth_and_PAT\" >Snapshot stating the Revenue, Expenses, EBIT, Net Worth and PAT<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/#Cash_flow_for_last_5_years\" >Cash flow for last 5 years<\/a><\/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-private-limited-ncd-ipo-july-2023-should-you-invest\/#Ratio_Analysis\" >Ratio Analysis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/#Issue_analysis\" >Issue analysis<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/#Pros\" >Pros\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/#Cons\" >Cons\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-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.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/#About_Navi_Finserv_Limited\" >About Navi Finserv Limited<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/#Business_Verticals\" >Business Verticals:\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/#FY_2023\" >FY 2023<\/a><\/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-private-limited-ncd-ipo-july-2023-should-you-invest\/#Strengths\" >Strengths<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-should-you-invest\/#Weakness\" >Weakness<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/navi\/navi-finserv-private-limited-ncd-ipo-july-2023-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<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"High_Yield_AStable_rated_Minimum_Investment_10k_Only\"><\/span><strong>High Yield\u00a0| A\/Stable rated\u00a0|\u00a0Minimum Investment: 10k Only<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Navi Finserv Limited is issuing the Non-Convertible Debentures. These NCDs are A\/Stable rated by India Ratings and CRISIL. The NCDs are being issued in five series: coupon ranges from 9.75% to 11.01% p.a. and different tenures of 18, 27 and 36 months. The NCDs are secured and redeemable in nature. <\/span><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-6342 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112421\/Screenshot-2023-07-05-163848.png\" alt=\"\" width=\"728\" height=\"808\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112421\/Screenshot-2023-07-05-163848.png 728w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112421\/Screenshot-2023-07-05-163848-270x300.png 270w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112421\/Screenshot-2023-07-05-163848-585x649.png 585w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"NAVI_FINSERV_PVT_LTD_NCD_IPO_Coupon_rates_and_effective_yield_for_each_of_the_series\"><\/span><strong>NAVI FINSERV PVT. LTD. NCD IPO: Coupon rates and effective yield for each of the series <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"size-large wp-image-6341 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112353\/1-1024x220.png\" alt=\"\" width=\"1024\" height=\"220\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112353\/1-1024x220.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112353\/1-300x65.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112353\/1-768x165.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112353\/1-1536x331.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112353\/1-2048x441.png 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112353\/1-1170x252.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112353\/1-1920x413.png 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112353\/1-585x126.png 585w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Allocation_Ratio\"><\/span><strong>Allocation Ratio<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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. <\/span><\/p>\n<p><img decoding=\"async\" class=\"size-large wp-image-6340 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112257\/2-1024x615.png\" alt=\"\" width=\"1024\" height=\"615\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112257\/2-1024x615.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112257\/2-300x180.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112257\/2-768x461.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112257\/2-1536x923.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112257\/2-1170x703.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112257\/2-585x351.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112257\/2.png 1653w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Investment_Process_for_NAVI_FINSERV_PVT_LTD_NCD_IPO\"><\/span><b>Investment Process for NAVI FINSERV PVT LTD NCD IPO<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You can invest in IPOs via GoldenPi in 3 easy steps.<\/span><\/p>\n<p><b>If the investment amount is\u00a0 less than &amp; up to 10 lakhs,<\/b><span style=\"font-weight: 400;\"> retail investors can apply for an IPO online.<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-6379 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/06082105\/12-768x384-1-1.jpg\" alt=\"\" width=\"768\" height=\"384\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/06082105\/12-768x384-1-1.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/06082105\/12-768x384-1-1-300x150.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/06082105\/12-768x384-1-1-585x293.jpg 585w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/p>\n<p><b>If the investment amount is more than 10 Lakhs.\u00a0<\/b><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-6378 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/06082041\/11-768x384-1-1.jpg\" alt=\"\" width=\"768\" height=\"384\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/06082041\/11-768x384-1-1.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/06082041\/11-768x384-1-1-300x150.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/06082041\/11-768x384-1-1-585x293.jpg 585w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Financial_Overview\"><\/span><b>Financial Overview<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Snapshot_stating_the_Revenue_Expenses_EBIT_Net_Worth_and_PAT\"><\/span><strong>Snapshot stating the Revenue, Expenses, EBIT, Net Worth and PAT<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img decoding=\"async\" class=\"size-large wp-image-6338 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112203\/3-1024x615.png\" alt=\"\" width=\"1024\" height=\"615\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112203\/3-1024x615.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112203\/3-300x180.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112203\/3-768x461.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112203\/3-1536x923.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112203\/3-1170x703.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112203\/3-585x351.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112203\/3.png 1653w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Cash_flow_for_last_5_years\"><\/span><b>Cash flow for last 5 years<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img decoding=\"async\" class=\"size-large wp-image-6339 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112226\/Screenshot-2023-07-05-112008-1024x571.png\" alt=\"\" width=\"1024\" height=\"571\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112226\/Screenshot-2023-07-05-112008-1024x571.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112226\/Screenshot-2023-07-05-112008-300x167.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112226\/Screenshot-2023-07-05-112008-768x428.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112226\/Screenshot-2023-07-05-112008-1170x652.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112226\/Screenshot-2023-07-05-112008-585x326.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112226\/Screenshot-2023-07-05-112008.png 1213w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">*Cash flow from operating activities reflects the amount a company generates through its product of services.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">**Cash flow from investing activities reflects cash generated and spent relating to investing activities, like purchase of assets, sales of securities etc.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b><span style=\"font-weight: 400;\">***Cash flow from financing activities gives an insight into the financial stability of a company to its investors. It reflects <\/span><span style=\"font-weight: 400;\">the net flows of cash that are used to fund the company.<\/span><\/b><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ratio_Analysis\"><\/span><b>Ratio Analysis<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"size-large wp-image-6346 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05114607\/Table-Format-NAVI-FIN-01-1024x901.png\" alt=\"\" width=\"1024\" height=\"901\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05114607\/Table-Format-NAVI-FIN-01-1024x901.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05114607\/Table-Format-NAVI-FIN-01-300x264.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05114607\/Table-Format-NAVI-FIN-01-768x675.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05114607\/Table-Format-NAVI-FIN-01-1536x1351.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05114607\/Table-Format-NAVI-FIN-01-2048x1801.png 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05114607\/Table-Format-NAVI-FIN-01-1170x1029.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05114607\/Table-Format-NAVI-FIN-01-1920x1689.png 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05114607\/Table-Format-NAVI-FIN-01-585x514.png 585w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Issue_analysis\"><\/span><b>Issue analysis<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Pros\"><\/span><strong>Pros\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These NCDs have a security cover of 110% which is equivalent to the total outstanding principal, all interest due and to be paid thereon.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These are secured securities.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The issuer is offering high coupon rates, when compared with FD rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These NCDs are A rated with a stable outlook. A rated NCDs are considered investment-grade securities.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Cons\"><\/span><strong>Cons\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Constrained regional presence<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\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><a href=\"https:\/\/goldenpi.com\/bond-better-return-fds\"><b>To get better returns than Bank FDs, invest in NCD-IPOs online.\u00a0<\/b><\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"About_Navi_Finserv_Limited\"><\/span><b>About Navi Finserv Limited<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Business_Verticals\"><\/span><strong>Business Verticals:\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Digital Personal Loans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home Loans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mutual Funds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Health Insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Micro-Loans<\/span><\/li>\n<\/ol>\n<h4><span class=\"ez-toc-section\" id=\"FY_2023\"><\/span><strong>FY 2023<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img decoding=\"async\" class=\"size-large wp-image-6337 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112047\/Screenshot-2023-07-05-162217-1024x316.png\" alt=\"\" width=\"1024\" height=\"316\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112047\/Screenshot-2023-07-05-162217-1024x316.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112047\/Screenshot-2023-07-05-162217-300x93.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112047\/Screenshot-2023-07-05-162217-768x237.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112047\/Screenshot-2023-07-05-162217-585x181.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/07\/05112047\/Screenshot-2023-07-05-162217.png 1043w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Strengths\"><\/span><b>Strengths<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Strong leadership backed by experienced management team and high corporate governance standards<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Long term focus on utilising technology and data science capabilities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Better customer engagement and experience through Navi App<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Leveraging Navi\u2019s integrated ecosystem for synergies and cross-sell opportunities\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Weakness\"><\/span><b>Weakness<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Weak Operating Parameters<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Regional Constrains<\/span><\/li>\n<\/ul>\n<h1 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Invest_in_Bond_IPO_online_in_just_5_minutes\"><\/span><a href=\"https:\/\/goldenpi.com\/bond-ipo-online\"><b>Invest in Bond IPO online in just 5 minutes<\/b><\/a><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>SOURCE: All of the information in this blog post was compiled from the Navi Public Issue Presentation and the Prospectus, dated June 30, 2023.<\/p>\n<p>DISCLAIMER: Investment in debt securities are subject to risks. Read all the offer related documents carefully. This blog should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products\/services of GoldenPi or any product\/services of its third party client(s).<\/p>\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_3597122575_7807\"\n           class=\" foo-table ninja_footable foo_table_7807 ninja_table_unique_id_3597122575_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| A\/Stable rated\u00a0|\u00a0Minimum Investment: 10k Only \u00a0 Navi Finserv Limited is issuing the Non-Convertible Debentures. These NCDs are A\/Stable rated by&hellip;<\/p>\n","protected":false},"author":4,"featured_media":12150,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[163],"tags":[],"class_list":["post-6336","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 Private Limited NCD IPO - GoldenPi | Blogs |<\/title>\n<meta name=\"description\" content=\"Find out more about Navi Finserv Private Limited, its financial performance, and bond offerings. Read our detailed Navi Finserv bonds review , including their credit ratings, yields, and risks. 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