NAVI FINSERV LIMITED

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Investment Opportunity in Embassy Group Company

Earn up to 13.15% p.a.

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Invest in Gold Loan Backed Bonds from Muthoottu Mini Financiers Ltd.

Earn up to 11.25% p.a

Invest Now

Investment Opportunity in Embassy Group Company

Earn up to 13.15% p.a.

Invest Now

Invest in Gold Loan Backed Bonds from Muthoottu Mini Financiers Ltd.

Earn up to 11.25% p.a

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Returns (YTM)

N/A

Min. Investment

N/A

Remaining Tenure

1Y 15Days

Payment Terms

Yearly

Highlights

Credit Rating

CRISIL A/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

Strong capitalisation: net worth improved to ₹3,219 Cr as on Jun '25 (₹3,163 Cr : Mar’25; ₹2,934 Cr: Mar '24), with comfortable gearing of 2.4x & CRAR of 26.9%.

Diversified Funding: 58 lenders; borrowings include term loans (39%), NCDs (34%), PTCs (17%), CP (7%) and others, with declining reliance on parent funding.

Tech-Driven Operations: Fully digital lending platform for seamless loan processing.

Strong liquidity: +ve ALM across all buckets, supported by ₹2,838 Cr of unencumbered cash and liquid investments against ₹2,596 Cr near-term obligations.

Company Financials

Revenue

PAT

Debt

Net Worth

Important disclaimer

Ratio Analysis

0.23

Net NPA

Good

Benchmark: Lower than 3%

28.42

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

2.29

Operating Cash Flow to Equity Ratio

Good

Benchmark: Maximum 12 times

2.02

Interest Coverage Ratio

Good

Benchmark: Minimum 2

Important disclaimer

About Issuer

Navi Finserv Private 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.

Business Verticals:

Digital Personal Loans
Home Loans
Mutual Funds
Health Insurance
Micro-Loans

Total Annual Revenue

Rs 149.15 Cr (FY 2020-2021)

Year of Inception

2012

Industry

NBFC Corporate

Head Office

Bangalore

Type of Issuer

Corporate

Current MD/CEO

Mr. Sachin Bansal

Credit Rating / Outlook

A STABLE

CRISIL

Rating Rationale

Rating Date: 31-Jul-2024

Credit rating by different rating agencies indicates the bond issuer’s ability to repay its debt obligations. A bond can be rated by one or more SEBI registered credit rating agencies e.g. CRISIL, CARE, ICRA, IND, BWR, ACUITE, INFOMERICS.
Bonds/NCDs with A credit rating are considered to have an adequate degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry low credit risk.
Stable Outlook suggests that the rating is unlikely to change significantly in the near to medium term, indicating a stable credit profile of the issuer.

Other Important Details & Disclosures

Issuer Name

NAVI FINSERV LIMITED

Security Name

10.4% NAVI FINSERV LIMITED Secured Rated Listed NCD Maturity 13-Feb-2026

ISIN

Copy

INE342T07528

Face Value

₹ 1,00,000

Coupon Rate

10.4%

Coupon Type

FIXED

Payment Terms

Yearly

Maturity Date

13-Feb-2026

Clean Price

₹ 99.37

Dirty Price

Current Yield

10.4658%

Yield to Maturity

11.0611%

Mode of Issue

Private Placement

Date of Issue

13-Aug-2024

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

Catalyst Trusteeship Limited (Formerly GDA Trusteeship Limited)

GDA House, Plot No.85, Bhusari Colony (Right),Paud Road, Kothrud,Pune 411038

Registrar Details

NSDL Database Management Limited

4th Floor, Tower 3, One International Center, Senapati Bapat Marg, Prabhadevi, Mumbai - 400013, India

Looking For More Information ?

Download Prospectus

Taxation

10%

TDS on Interest Income*

*Given TDS is indicative and fully claimable while filing ITR. The interest income from this bond will be taxable and will appear in the additional source of income in your ITR. Please consult your tax advisor for precise taxation details
As a listed bond, it is subject to capital gains tax based on the holding period. A holding period of less than 1 year qualifies as short-term, while more than 1 year qualifies as long-term.
You can submit your Form 15G/15H to the registrar and debenture trustee of the bond to avoid the TDS deduction. Download Form

Registrar details: NSDL Database Management Limited 4th Floor, Tower 3, One International Center, Senapati Bapat Marg, Prabhadevi, Mumbai - 400013, India

This bond is
currently out of stock

Download Cashflow

Similar Bonds

Bonds by Same Issuer

NAVI FINSERV LIMITED

Min Investment

₹ 10,059.63

Returns

11.14%

Payout

Monthly

Credit Rating

A/CRISIL

FAQs about NAVI FINSERV LIMITED bonds

How to buy this NAVI FINSERV LIMITED bond online?

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What is the yield of this NAVI FINSERV LIMITED bond?

undefined% is the current yield of this NAVI FINSERV LIMITED bond. A bond’s current yield indicates the annual return based on its current market price and annual coupon payment.
In addition to current yield, the yield to maturity (YTM) of this NAVI FINSERV LIMITED bond is undefined%, which indicates the total expected return if the bond is held till the maturity date. It is calculated using the XIRR method considering current price, face value, coupon payments, and time to maturity.

Is it safe to invest in bonds?

Investing in bonds is relatively a safer option but it depends on factors like:

The creditworthiness of the issuer indicated by the credit rating
The debt quality of the bond indicated by its seniority and security
Your investment goals and risk appetite

If you are an existing bond investor and want to sell your bond holdings before maturity, you can do so through the secondary market. This can be done either through exchanges such as BSE or NSE, or you can also request a quote from your relationship manager at GoldenPi.

How to redeem this NAVI FINSERV LIMITED bond?

To redeem this NAVI FINSERV LIMITED bond, bond, kindly first check its redemption value and redemption schedule. This can be found by downloading the cash flow from the “Calculate Your Returns” section of this page or by contacting the support team at GoldenPi.
Once you buy this bond, the units would be reflected in your demat account.
Upon maturity, the bond units held in your demat account will be automatically debited on the maturity date, and if the maturity date falls on a bank holiday, the redemption amount will be paid out on the next working day.
The funds will be credited to the bank account linked to your demat account. The process of redeeming this NAVI FINSERV LIMITED bond is generally simple and straightforward. Contact our support team for more information.

Is this NAVI FINSERV LIMITED bond tax-free?

No, this NAVI FINSERV LIMITED bond is not tax free. The interest income received from these bonds will be treated as “income from other sources” in the ITR and the tax will be calculated as per your income tax slab.

To know more about taxation in detail please read this article: https://goldenpi.com/blogessentials/bond-market/taxation-on-gains-from-bond-investments/

Can I sell this NAVI FINSERV LIMITED bond before the maturity date?

Yes, it is possible to sell this NAVI FINSERV LIMITED bond before maturity. However, as the sale process happens in the secondary market, the price can be determined by a variety of factors, including interest rates, credit ratings, company performance, and market demand.

To know more about the sale process, contact us at https://goldenpi.com/contact-us

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Highlights

Company Financials

Ratio Analysis

About Issuer