India's Richest People 2026 edition · 1 director · Source: Hurun India
- #134 Sachin Bansal ₹25,700 Cr
Revenue · FY 2026
₹2,696.84 Cr
▲ 17% YoY
Net profit · FY 2026
₹93.32 Cr
Net margin 3.5%
EBITDA · FY 2026
₹1,957.83 Cr
EBITDA margin 72.6%
Authorised capital
₹600 Cr
Registered with MCA
Paid-up capital
₹347.36 Cr
Issued & subscribed
Open charges
₹16,279 Cr
Satisfied ₹6,609.32 Cr
Company age
14 yrs
Est. 2012
Employees · EPFO
554
Provident fund records
About Navi Finserv Limited
Data last updated:
Navi Finserv Limited is a public limited company based in Bangalore, Karnataka, India, a subsidiary of Navi Technologies Limited. It operates in the investment and credit NBFC segment of the financial services sector. It was incorporated on 14 February 2012 and has been in existence for over 14 years.
Its director Sachin Bansal is #134 among India's richest people (2026).
The company is registered with the Registrar of Companies (ROC), Bangalore, under CIN U65923KA2012PLC062537. Its GSTIN is 29AAECC7456R1ZR (Karnataka). The company holds 8 GST registrations, of which 7 are active.
The company has an authorised share capital of ₹600 Cr and a paid-up capital of ₹347.36 Cr. It was formerly known as Chaitanya Rural Intermediation Development Services Private Limited. It is led by directors including Abhishek (Managing Director) and Ranganathan Sridharan.
Its last annual general meeting (AGM) was held on 13 August 2026, and its latest financial statements are for the year ended 31 March 2026. The registered office is at Bangalore, Karnataka.
As per the financials filed for FY 2026, the company reported a revenue of ₹2,696.84 Cr, a growth of 17% compared to the previous year. For the same year it recorded a net profit of ₹93.32 Cr (net margin 3.5%) and EBITDA of ₹1,957.83 Cr (EBITDA margin 72.6%). Revenue has grown at a compounded annual rate (CAGR) of 9% over three years and 37% over five years.
The company has about 554 employees on its provident fund (EPFO) records.
The company is associated with 3 brands: Navi Finserv, Chaitanya India and Navi. As per MCA filings, the company has open charges of ₹16,279 Cr and satisfied charges of ₹6,609.32 Cr on record. Court records list 1,478 cases involving the company, including 1,125 filed by the company and 353 filed against it; 1,025 cases are pending. The company has 34 deals on record (22 secondary share transfers, 4 debt financings, 3 funding rounds), with disclosed funding of ₹2,964.75 Cr; the latest was in January 2025. Its 6 peer companies in the BFSI industry (Large NBFC, NBFC Investment and Credit Companies, Systemically Important Non Deposit NBFC), with the same principal business activity (other financial activities) are compared by revenue, 3 larger and 3 smaller; the largest is Transwarranty Finance Limited with revenue of ₹15.74 Cr. The company has 2 MSME Form 1 returns on record between 2023 and 2024, listing 32 overdue payments to 8 micro and small suppliers.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website navifinserv.com.
Company details
CIN U65923KA2012PLC062537
Registration Number 062537
Incorporation Date 14 February 2012
ROC Bangalore
Listing Status Unlisted
Company Status Active
Date of Last AGM 13 August 2026
Date of Balance Sheet 31 March 2026
Parent Company Navi Technologies Limited
Compliance Status Active Compliant
CIN history
Navi Finserv has 2 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is U65923KA2012PLC062537, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U65923KA2012PLC062537 | Current |
| U65923KA2012PTC062537 | Previous |
| U67190KA2012PTC062537 | Previous |
Recognitions & Rankings of Navi Finserv
Contact details
Navi Finserv Limited's registered office is in Bangalore South, Karnataka. Its website is navifinserv.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered Address2nd Floor Vaishnavi Tech Square, Iballur Village Begur Hobli, Bangalore, Karnataka, India – 560102
- IndustryFinancial Services, Investment & Credit NBFC, NBFC
To see the full contact details of Navi Finserv Limited, buy the company report.
Comprehensive company report
Navi Finserv Limited - one report that includes everything
- Company details, directors and signatories
- Historical financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Legal cases, compliance and MCA filings
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Brands
Navi Finserv operates multiple associated brands including Navi Finserv, Chaitanya India, and Navi. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Financial lending services including cash loans, housing loans, and loans against property in India. | navifinserv.com | |
| Micro-credit is provided to low-income individuals and businesses. | chaitanyarural.in | |
| Provider of digital financial services including UPI payments, loans, insurance, and investments | navi.com |
Business activity
The main business activity of Navi Finserv is financial and insurance service. In detail, this covers other financial activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities |
To see the full business activity and turnover split of Navi Finserv Limited, buy the company report.
Financials of Navi Finserv Limited
FY 2026 filings availableNavi Finserv Limited reported revenue of ₹2,696.84 Cr (up 17% YoY) for FY 2026.
Revenue · FY 2026
₹2,696.84 Cr ▲ 17%
Net profit · FY 2026
₹93.32 Cr margin 3.5%
EBITDA · FY 2026
₹1,957.83 Cr margin 72.6%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▲ 17%
3 years · compounded
▲ 9%
5 years · compounded
▲ 37%
EBITDA CAGR growth
1 year
▲ 37%
3 years · compounded
▲ 23%
5 years · compounded
▲ 51%
Revenue has grown at a compounded annual rate (CAGR) of 37% over five years, including 17% growth in the latest year. EBITDA rose 37% in the latest year. Three- and five-year figures are compounded annual growth rates (CAGR): the steady yearly rate that links the first and the last year. All are worked out from the filed statements.
Financial Statement Summary
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
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| Total Expenses | |||||
| EBITDA | ₹1,957.83 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹93.32 Cr | ||||
| Balance Sheet | |||||
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Financial Ratios
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 72.6% | ||||
| Net Profit Margin | 3.5% | ||||
| Return on Equity (ROE) | |||||
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| Return on Assets (ROA) | |||||
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To see the full financial statements and ratios of Navi Finserv Limited, buy the company report.
Board of directors of Navi Finserv Limited
Navi Finserv has 7 current directors and 23 former directors. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Ranganathan Sridharan Also directs: Nelcast Limited, NC Energy Limited | Director | 31 Aug 2020 | 6 Years 1 Months | Current |
| Sachin Bansal Also directs: Navi Investment Advisors Private Limited, Navi General Insurance Limited, Flipkart Online Services Private Limited and 1 more | Director | 23 Oct 2019 | 7 Years 0 Months | Current |
| Ankit Agarwal | Director | 23 Oct 2019 | 7 Years 0 Months | Current |
| Arindam Haraprasad Ghosh Also directs: Ariso Consulting LLP, Repro India Limited, Torus Alphaniti Technologies Private Limited and 5 more | Director | 01 Apr 2022 | 4 Years 6 Months | Current |
| Nilufer Panthaki Also directs: Ampfin Capital Private Limited, Varthana Finance Private Limited | Director | 13 Feb 2026 | 0 Years 8 Months | Current |
| Ashwani Kumar | Director | 28 May 2025 | 1 Years 4 Months | Current |
Showing 6 of 7 current directors. View all directors
Peer comparison
Navi Finserv Limited is compared with the 6 companies closest to it by revenue in the BFSI industry (Large NBFC, NBFC Investment and Credit Companies, Systemically Important Non Deposit NBFC), with the same principal business activity (other financial activities), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Navi Finserv Limitedthis company | ₹2,696.84 Cr (FY 2026) | ₹93.32 Cr | 3.5% | 17.0% | 554 | Bangalore, Karnataka, India |
| Transwarranty Finance Limited | ₹15.74 Cr (FY 2025) | -9.0% | Mumbai, Maharashtra, India | |||
| New Way Constructions Ltd | ₹15.66 Cr (FY 2020) | -22.0% | Kolkata, West Bengal, India | |||
| Premier Credit Capital Ltd. | ₹15.65 Cr (FY 2025) | -22.0% | Shimla, Himachal Pradesh, India | |||
| Andhra Pradesh Industrial Development Corporation Limited | ₹15.6 Cr (FY 2019) | 18.0% | Hyderabad, Telangana, India | |||
| Sweety Holdings Pvt Ltd | ₹15.58 Cr (FY 2024) | 65.0% | Kolkata, West Bengal, India | |||
| Titec Finance Private Limited | ₹15.51 Cr (FY 2024) | 250.0% | Kolkata, West Bengal, India |
To see the full peer comparison of Navi Finserv Limited, buy the company report.
Auditor
Navi Finserv Limited is audited by RAMESH ASHWIN AND KARANTH for the financial year 2019.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| RAMESH ASHWIN AND KARANTH | FY 2019 | 010680S |
Shareholding
The shareholding of Navi Finserv Limited is on record for 5 financial years, the latest being FY 2025, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of Navi Finserv Limited, buy the company report.
Charges & borrowings
Open charges
₹16,279 Cr
Satisfied charges
₹6,609.32 Cr
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 30 Sep 2026 | 101405070 | Others | ₹100 Cr | Open | |
| 31 Aug 2026 | 101384641 | City Union Bank Limited | ₹50 Cr | Open | |
| 31 Aug 2026 | 101389368 | Others | ₹75 Cr | Open | |
| 27 Aug 2026 | 101390277 | Others | ₹85 Cr | Open | |
| 14 Aug 2026 | 101380614 | Hdfc Bank Limited | ₹150 Cr | Open |
To see the full charge records of Navi Finserv Limited, buy the company report.
Total charge records: 366 View all charges
Deals & funding
Navi Finserv Limited has 34 deals on record (22 secondary share transfers, 4 debt financings, 3 funding rounds), with disclosed funding of ₹2,964.75 Cr; the latest was in January 2025.
Total deals
34
Secondary share transfers
22
Debt financings
4
Funding rounds
3
Rights issues
3
Disclosed funding
₹2,964.75 Cr
Deals on record (5 of 34)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Jan 2025 | Debt financing | ₹285 Cr | Investors: Phillip Services India Private Limited , Neo Wealth Management Private Limited , Neo Infra Income Opportunities Fund |
| Feb 2023 | Debt financing | ₹700 Cr | Investors: Morgan Stanley India Primary Dealer Private Limited , Navi Limited , Shahi Exports Private Limited |
| Dec 2022 | Rights issue | ₹50 Cr | Investors: Navi Limited |
| Mar 2021 | Rights issue | ₹950 Cr | Investors: Navi Limited |
| Mar 2021 | Secondary share transfer | Undisclosed | Buyer: Navi Limited Seller: Chaitanya Employee Welfare Trust |
To see the full deal history of Navi Finserv Limited, buy the company report.
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal cases
Navi Finserv Limited has 1,478 court cases on record: 1,125 filed by Navi Finserv, 353 filed against it. 1,025 cases are pending and 453 are disposed.
Total cases
1,478
Filed by the company
1,125
Filed against the company
353
Pending
1,025
Disposed
453
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 1,446 | 322 | 1,019 |
| High courts | 32 | 31 | 6 |
Cases on record (5 of 1,478)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, BENGALURU, Karnataka | Criminal complaint | Filed by the company against Shivam | Pending |
| District court, BENGALURU, Karnataka | Civil suit | Filed against the company by an individual | Pending |
| District court, Nellore, Andhra Pradesh | Civil suit | Filed against the company by an individual | Pending |
| District court, Visakapatnam, Andhra Pradesh | Civil suit | Filed against the company by an individual | Pending |
| District court, East Godavari, Andhra Pradesh | Civil suit | Filed against the company | Pending |
To see the full case history of Navi Finserv Limited, buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
Credit ratings & regulatory alerts
Navi Finserv Limited was last rated by Care on 11 Dec 2025.
| Rating agency | Rated on | Rating |
|---|---|---|
| Care | 11 Dec 2025 |
To see the full credit ratings and regulatory alerts of Navi Finserv Limited, buy the company report.
MSME payment delays
Navi Finserv Limited has 2 MSME Form 1 returns on record between 2023 and 2024, listing 32 overdue payments to 8 micro and small suppliers. Companies must report dues to micro and small suppliers that stay unpaid for more than 45 days in a half-yearly MSME Form 1 return.
Suppliers with reported dues (5 of 8)
| Supplier | Amount due | Due since | Reported on |
|---|---|---|---|
| Globe All India Services Limited | |||
| Catalyst Trusteeship Limited | |||
| Lasara Hotels Private Limited | |||
| National E- Governance Services Limited | |||
| an individual supplier |
To see the full MSME payment records of Navi Finserv Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Employees & EPFO
Navi Finserv Limited has a workforce of 554 employees on its EPFO records as of Dec 17, 2025, across 1 active EPFO establishment.
Employee count
554
Active EPFO establishments
1
Employee growth
-30.14%
GST
Navi Finserv has 8 GST registrations: 7 active and 1 cancelled or inactive. The first 4 active GSTINs are listed below.
Total GSTINs
8
Active
7
Cancelled / inactive
1
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 29AAECC7456R1ZR | Karnataka | Active | 01 Jul 2017 |
| 29AAECC7456R3ZP | Karnataka | Active | 03 Mar 2025 |
| 27AAECC7456R1ZV | Maharashtra | Active | 19 Dec 2017 |
| 33AAECC7456R1Z2 | Tamil Nadu | Active | 04 Sep 2021 |
To see the full GST registrations and return filing status of Navi Finserv Limited, buy the company report.
Recent activity
Navi Finserv Limited has 24 board changes on record since 2017: 10 appointments and 14 cessations. The latest: Nilufer Panthaki was appointed as Director on 13 Feb 2026.
Charges
A charge with Others amounted to Rs. 100.00 Cr with Charge ID 101405070 was registered on 30 Sep 2026.
Charges
A charge with Others of Rs. 335.00 Cr registered on 20 Feb 2024 with Charge ID 100870082 was modified on 30 Sep 2026.
Charges
A charge registered on 31 Jan 2025 via Charge ID 101048727 with Others was fully satisfied on 24 Sep 2026.
Charges
A charge registered on 26 Jun 2024 via Charge ID 100943117 with Others was fully satisfied on 21 Sep 2026.
Charges
A charge registered on 12 Jan 2024 via Charge ID 100856854 with The Hongkong And Shanghai Banking Corporation Limited was fully satisfied on 21 Sep 2026.
Charges
A charge registered on 28 Mar 2025 via Charge ID 101068046 with Others was fully satisfied on 16 Sep 2026.
Charges
A charge registered on 23 Feb 2024 via Charge ID 100868719 with Yes Bank Limited was fully satisfied on 11 Sep 2026.
Charges
A charge registered on 26 Dec 2024 via Charge ID 101034367 with Others was fully satisfied on 09 Sep 2026.
Charges
A charge registered on 26 Dec 2024 via Charge ID 101034379 with Others was fully satisfied on 09 Sep 2026.
Charges
A charge registered on 29 Jun 2024 via Charge ID 100950462 with Others was fully satisfied on 09 Sep 2026.
Charges
A charge registered on 30 Jan 2024 via Charge ID 100864821 with Others was fully satisfied on 09 Sep 2026.
Charges
A charge registered on 29 Feb 2024 via Charge ID 100875838 with Others was fully satisfied on 07 Sep 2026.
562 earlier events are in the company report.
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Frequently asked questions
Navi Finserv is an active public limited company based in Bangalore, Karnataka, India. The company works in investment and credit nbfc, within the financial services industry. It was incorporated on 14 February 2012 (14+ years old) and is registered under CIN U65923KA2012PLC062537.
Navi Finserv has 7 current directors:
- Abhishek - Managing Director
- Ranganathan Sridharan - Director
- Sachin Bansal - Director
- Ankit Agarwal - Director
- Arindam Haraprasad Ghosh - Director
- Nilufer Panthaki - Director
- Ashwani Kumar - Director
The latest financial statements of Navi Finserv on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 13 August 2026. Year-wise statements from 2015 are in the company report.
The GSTIN of Navi Finserv is 29AAECC7456R1ZR, registered in Karnataka. The company has 8 GST registrations in all, of which 7 are active and 1 is cancelled or inactive. Other active GSTINs include 29AAECC7456R3ZP (Karnataka), 27AAECC7456R1ZV (Maharashtra), 33AAECC7456R1Z2 (Tamil Nadu).
The CIN (Corporate Identification Number) of Navi Finserv is U65923KA2012PLC062537. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Navi Finserv has 1,478 court cases on record: 1,125 filed by the company and 353 filed against it. 1,025 are pending. Most are in the district courts.
Navi Finserv was incorporated on 14 February 2012, making it 14+ years old. It is registered with the Registrar of Companies, Bangalore.
Navi Finserv has 34 deals on record (22 secondary share transfers, 4 debt financings, 3 funding rounds), with disclosed funding of ₹2,964.75 Cr; the latest was in January 2025.
The peers of Navi Finserv by revenue are Transwarranty Finance Limited, New Way Constructions Ltd, Premier Credit Capital Ltd, Andhra Pradesh Industrial Development Corporation Limited, Sweety Holdings Pvt Ltd and 1 more, all in the BFSI industry (Large NBFC, NBFC Investment and Credit Companies, Systemically Important Non Deposit NBFC), with the same principal business activity (other financial activities).
Nilufer Panthaki was appointed as Director on 13 Feb 2026. Ashwani Kumar ceased to be Additional Director on 01 Jun 2025. Chanchal Kumar was appointed as Company Secretary on 01 Jun 2025. Navi Finserv has 24 board changes on record in total.
Navi Finserv has 2 MSME Form 1 returns on record between 2023 and 2024, listing 32 overdue payments to 8 micro and small suppliers. The latest return was filed on 30 Apr 2024.
Navi Finserv can be reached through the website navifinserv.com. Its registered office is in Bangalore, Karnataka, India.