Rating
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The rating agency for this Bond is India Ratings.
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Navi Finserv Mar '27
₹1,00,170.78YTM
10.50%Tenure left
9 monthsInterest payout
MonthlyPrincipal payout
MaturityBonds details
Minimum investment₹1,00,170.78
Date of maturity25 Mar 2027
ISININE342T07619
Bond typeSenior Secured
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About
Navi Finserv Limited (NFL) is a wholly owned subsidiary of Navi Technologies Limited (NTL), founded by Sachin Bansal. The company operates as a digital Non-Banking Financial Company (NBFC) specializing in technology-driven lending, primarily offering unsecured personal loans and home loans. Its business functions are driven by in-house developed machine learning models for origination, underwriting, and risk management. As of June 2025, the company's Assets Under Management (AUM) stood at INR 123.38 billion. The Navi Group also includes interests in general insurance, asset management, and broking, with NFL serving as the group's primary lending arm.;
Pros and Cons
Pros
Cons
The company benefits from adequate capitalization at the group level, with Navi Technologies Limited having a consolidated tangible net worth of INR 34.64 billion in FY25.
It employs established, in-house developed machine learning models that support a completely digital and automated underwriting and risk management process.
The company maintains a diversified funding profile with relationships across 27 commercial banks and 25 NBFCs, alongside various capital market instruments.
NFL demonstrates strong liquidity management, maintaining cash balances to cover 30 days of repayment obligations plus an incremental liquidity buffer of INR 5 billion.
Asset quality for recent originations has shown improvement due to tightened underwriting parameters and a strengthened in-house collections infrastructure.
Other details
Clean price₹99,979.02
Dirty price₹1,00,170.80
Current yield10.00%
Security cover1.10X of POS
Issue sizeNA
Original bond tenure21 months
TrusteeCatalyst Trusteeship Limited (Formerly GDA Trusteeship Limited)
Mode of issueNCD
Listed onBSE
Listing date25 Jun 2025
Maturity date25 Mar 2027
Coupon rate10.00%
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