NAVI FINSERV LIMITED

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INE342T07536 is Out of Stock

Check out similar bonds and other options from the same issuer.

NAVI FINSERV

Min Investment

₹ 30,161.1

Returns

11%

Payout

Monthly

Credit Rating

A/CRISIL

TAPIR CONSTRUCTIONS

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₹ 1,00,728.35

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Credit Rating

A-/IVR

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Min Investment

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Min Investment

₹ 29,478.38

Returns

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INE342T07536 - Bond Details

Returns (YTM)

N/A

Min. Investment

N/A

Remaining Tenure

1Y 4M 2Days

Payment Terms

Monthly

Highlights

Credit Rating

CRISIL A/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

Comfortable Capitalisation - As on March 31, 2025, Navi’s net worth is ~ INR 3050 Crs with comfortable leverage of 3.1x, with a CRAR of 30.54% (well above the RBI's 15% minimum requirement)

Strong Promoter and Management Team - Navi is promoted by Sachin Bansal (Flipkart co-founder) who is supported by a management team with 100+ years of cumulative industry experience

Strong Lender Profile - Navi has 30+ lenders which includes Goldman Sachs, SBI, HDFC Bank, ICICI Bank, Kotak Bank and others

Company Financials

AUM

PAT

Net Worth

Important disclaimer

Ratio Analysis

0.21

Net NPA

Good

Benchmark: Lower than 3%

1.51

Gross NPA

Good

Benchmark: Lower than 5%

25.06

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

3.1

Debt to Equity Ratio

Good

Benchmark: Lower than 6x

Important disclaimer

About Issuer

Incorporated in 2012, Navi Finserv Limited (“Navi”) was formerly known as Chaitanya Rural Intermediation Development Services Private Limited. Founded by Sachin Bansal (co-founder of Flipkart), it focuses on providing personal loans and home loans to salaried individuals under the “Navi” brand with 13+ lakhs customers.

Navi is a wholly owned subsidiary of Navi Technologies Ltd. which is the holding company for all the financial services businesses ranging from asset management to lending to insurance.

Navi’s digital-first distribution for its personal loans and home loans offerings enables it to deliver products and solutions to their customers without the need of physical infrastructure. This provides an extensive reach and allows the Company to make financial services accessible for a wide array of customers.

As on Mar’25, Navi had an AUM of INR 12,600 Cr+ with a networth of INR 3050 Crs and Profit after tax (PAT) of 222 Crs. Navi is rated CRISIL A (stable) as on date.

Total Annual Revenue

Rs 2289.9 Cr (FY- 2025)

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: 04-Aug-2025

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

10.5% NAVI FINSERV LIMITED Secured Rated Listed NCD Maturity 27-Aug-2027

ISIN

Copy

INE342T07536

Face Value

₹ 1,00,000

Issued FV

₹ 1,00,000

Coupon Rate

10.5%

Coupon Type

FIXED

Payment Terms

Monthly

Maturity Date

27-Aug-2027

Clean Price

₹ 100.14

Dirty Price

Current Yield

10.4851%

Yield to Maturity

10.8942%

Mode of Issue

Private Placement

Date of Issue

28-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

FAQs about NAVI FINSERV bonds

How to buy this NAVI FINSERV bond online?

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What is the yield of this NAVI FINSERV bond?

undefined% is the current yield of this NAVI FINSERV 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 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 bond?

To redeem this NAVI FINSERV 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 bond is generally simple and straightforward. Contact our support team for more information.

Is this NAVI FINSERV bond tax-free?

No, this NAVI FINSERV 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 bond before the maturity date?

Yes, it is possible to sell this NAVI FINSERV 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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NAVI FINSERV

NAVI FINSERV

INE342T07536 - Bond Details

Highlights

Company Financials

Ratio Analysis

About Issuer