India's Most Valuable Companies 2025 edition · Source: Hurun India
- Valuation
- ₹16,120 Cr
Navi Limited - internet in Bangalore, Karnataka, India. FY 2026 financials & compliance.
Revenue · FY 2025
₹2,689.14 Cr
▼ 4% YoY
Net loss · FY 2025
₹126.38 Cr
Net margin -4.7%
EBITDA · FY 2025
₹867.05 Cr
EBITDA margin 32.2%
Authorised capital
₹7,500 Cr
Registered with MCA
Paid-up capital
₹2,881.39 Cr
Issued & subscribed
Open charges
₹748 Cr
Satisfied ₹254.6 Cr
Company age
8 yrs
Est. 2018
Employees · EPFO
643
Provident fund records
About Navi Limited
Data last updated:
Navi Limited is a public limited company based in Bangalore, Karnataka, India. It operates in the online financial services segment of the internet and digital services sector. It was incorporated on 10 December 2018 and has been in existence for over 8 years.
Its director Sachin Bansal is #134 among India's richest people (2026). Its director Vidit Aatrey is #355 among India's richest people (2026).
The company is registered with the Registrar of Companies (ROC), Bangalore, under CIN U72900KA2018PLC119297. Its GSTIN is 29AAICB1598F1ZE (Karnataka). The company holds 2 GST registrations, all of them active.
The company has an authorised share capital of ₹7,500 Cr and a paid-up capital of ₹2,881.39 Cr. It was formerly known as Bac Acquisitions Private Limited. It is led by directors including Sachin Bansal (Whole-Time Director) and Usha A Narayanan.
Its last annual general meeting (AGM) was held on 30 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Bangalore, Karnataka.
As per the financials filed for FY 2025, the company reported a revenue of ₹2,689.14 Cr, a decline of 4% compared to the previous year. For the same year it recorded a net loss of ₹126.38 Cr (net margin -4.7%) and EBITDA of ₹867.05 Cr (EBITDA margin 32.2%). Revenue has grown at a compounded annual rate (CAGR) of 36% over three years and 65% over five years.
The company has about 643 employees on its provident fund (EPFO) records. Its group structure includes 10 subsidiaries.
The company is associated with 4 brands: Navi Technologies, Chaitanya India, Navi and MavenHive. As per MCA filings, the company has open charges of ₹748 Cr and satisfied charges of ₹254.6 Cr on record. Court records list 18 cases involving the company, including 8 filed by the company and 10 filed against it; 11 cases are pending. The company has 12 deals on record (6 secondary share transfers, 2 funding rounds, 2 debt financings), with disclosed funding of ₹4,763.84 Cr; the latest was in August 2026. The company has 1 MSME Form 1 return on record for the period ending Mar 2022, listing 46 overdue payments to 18 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 navi.com.
Company details
CIN U72900KA2018PLC119297
Registration Number 119297
Incorporation Date 10 December 2018
ROC Bangalore
Listing Status Unlisted
Company Status Active
Date of Last AGM 30 September 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
Name history
Navi has undergone 2 name changes throughout its history. The company was previously known as Bac Acquisitions Private Limited, and Navi Limited. The current legal name is Navi Limited.
| Company Name | Status |
|---|---|
| Navi Limited | Current |
| Bac Acquisitions Private Limited | Previous |
CIN history
Navi has one previous CIN (Corporate Identification Number): U72900KA2018PTC119297. The current CIN is U72900KA2018PLC119297, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U72900KA2018PLC119297 | Current |
| U72900KA2018PTC119297 | Previous |
Recognitions & Rankings of Navi
India's Richest People 2026 edition · 2 directors · Source: Hurun India
- #134 Sachin Bansal ₹25,700 Cr
- #355 Vidit Aatrey ₹10,500 Cr
Contact details
Navi Limited's registered office is in Bangalore, Karnataka. Its website is navi.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered Address9th Floor Vaishnavi Tech Square, Iballur Village Begur Hobli, Bangalore, Karnataka, India – 560102
- IndustryInternet, Online Financial Services
To see the full contact details of Navi Limited, buy the company report.
Comprehensive company report
Navi 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 operates multiple associated brands including Navi Technologies, Chaitanya India, and Navi. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Offers digital solutions, business planning, creative strategy, and branding services. | navitechnologies.in | |
| 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 | |
| Provides application development and integration services | mavenhive.in |
Business activity
The main business activities of Navi are information and communication and support service to organizations. In detail, this covers computer programming, consultancy and related activities and other support services to organizations. 2 activity segments are registered with the MCA.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| J | Information and communication | J6 | Computer programming, consultancy and related activities | |
| N | Support service to Organizations | N7 | Other support services to organizations |
To see the full business activity and turnover split of Navi Limited, buy the company report.
Financials of Navi Limited
FY 2025 filings availableNavi Limited reported revenue of ₹2,689.14 Cr (down 4% YoY) for FY 2025.
Revenue · FY 2025
₹2,689.14 Cr ▼ 4%
Net loss · FY 2025
₹126.38 Cr margin -4.7%
EBITDA · FY 2025
₹867.05 Cr margin 32.2%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▼ 4%
3 years · compounded
▲ 36%
5 years · compounded
▲ 65%
EBITDA CAGR growth
1 year
▼ 20%
3 years · compounded
▲ 89%
5 years · compounded
▲ 78%
Revenue fell 4% in the latest year, but over five years it has grown at a compounded annual rate (CAGR) of 65%. EBITDA fell 20% 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 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
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| Total Expenses | |||||
| EBITDA | ₹867.05 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | -₹126.38 Cr | ||||
| Balance Sheet | |||||
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| Reserves and Surplus | |||||
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| Long-term Borrowings | |||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 32.2% | ||||
| Net Profit Margin | -4.7% | ||||
| Return on Equity (ROE) | |||||
| Return on Capital Employed (ROCE) | |||||
| Return on Assets (ROA) | |||||
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| Receivable Days | |||||
| Payable Days | |||||
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To see the full financial statements and ratios of Navi Limited, buy the company report.
Board of directors and KMP of Navi Limited
Navi Limited currently reports 6 directors and 2 key managerial personnel. 13 former directors have served the organization.
Current Directors and KMP
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Usha A Narayanan Also directs: Navi General Insurance Limited, Margo Biocontrols Private Limited, PJ Margo Private Limited and 1 more | Director | 04 Mar 2022 | 4 Years 8 Months | Current |
| Vidit Aatrey Also directs: Meesho Limited, Meesho Grocery Private Limited, Valmo Transportation Private Limited and 4 more | Director | 09 Apr 2022 | 4 Years 6 Months | Current |
| Chanchal Kumar Also directs: Navi Payment Technologies Private Limited | Company Secretary | 04 Mar 2025 | 1 Years 8 Months | Current |
| Nachiket Madhusudan Mor Also directs: Dr. Agarwal's Health Care Limited, Narayana Hrudayalaya Limited, Navi Amc Limited and 3 more | Director | 08 Aug 2022 | 4 Years 2 Months | Current |
| Sachin Bansal Also directs: Navi General Insurance Limited, Navi Finserv Limited, Navi Investment Advisors Private Limited and 1 more | Whole-Time Director | 10 Dec 2018 | 7 Years 10 Months | Current |
| Ankit Agarwal | Director | 10 Dec 2018 | 7 Years 10 Months | Current |
Showing 6 of 8 current directors and KMP. View all directors and KMP
Auditor
Navi Limited is audited by Walker Chandiok & Co LLP for the financial year 2022.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| Walker Chandiok & Co LLP | FY 2022 | 001076N / N500013 |
Shareholding
The shareholding of Navi Limited is on record for 3 financial years, the latest being FY 2021, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|
| Promoters | |||
| Domestic institutional investors (DII) | |||
| Foreign institutional investors (FII) | |||
| Public | |||
| Others |
To see the full shareholding pattern of Navi Limited, buy the company report.
Charges & borrowings
Open charges
₹748 Cr
Satisfied charges
₹254.6 Cr
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 05 Aug 2025 | 101178471 | Others | ₹80 Cr | Open | |
| 25 Jul 2025 | 101199586 | Sbicap Trustee Company Limited | ₹170 Cr | Open | |
| 30 Apr 2025 | 101147180 | Others | ₹150 Cr | Open | |
| 14 Apr 2025 | 101089993 | Others | ₹200 Cr | Open | |
| 28 Feb 2023 | 100688366 | Others | ₹100 Cr | Open |
To see the full charge records of Navi Limited, buy the company report.
Total charge records: 9 View all charges
Deals & funding
Navi Limited has 12 deals on record (6 secondary share transfers, 2 funding rounds, 2 debt financings), with disclosed funding of ₹4,763.84 Cr; the latest was in August 2026.
Total deals
12
Secondary share transfers
6
Funding rounds
2
Debt financings
2
Acquisitions
2
Disclosed funding
₹4,763.84 Cr
Deals on record (5 of 12)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Aug 2026 | Funding round | ₹957.4 Cr | Investors: Prosus (Naspers) |
| Apr 2025 | Debt financing | ₹390 Cr | Investors: Nippon India Credit Opportunities Aif- Scheme 1, Phillip Commodities India Private Limited , Phillip Finance & Investment Services India Private Limited |
| Oct 2023 | Secondary share transfer | Undisclosed | Buyer: 2 individuals Seller: an individual |
| Sep 2023 | Secondary share transfer | Undisclosed | Buyer: an individual Seller: an individual |
| Mar 2023 | Debt financing | ₹400 Cr | Investors: Aspero Markets Private Limited , 3 individuals |
To see the full deal history of Navi 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 Limited has 18 court cases on record: 8 filed by Navi, 10 filed against it. 11 cases are pending and 7 are disposed.
Total cases
18
Filed by the company
8
Filed against the company
10
Pending
11
Disposed
7
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 15 | 10 | 11 |
| High courts | 3 | 0 | 0 |
Cases on record (5 of 18)
| Court | Type of case | Party | Status |
|---|---|---|---|
| High Court of Karnataka | Interim or miscellaneous application | Filed by the company against Zyoin Web Private Limited | Disposed |
| District court, Nellore, Andhra Pradesh | Court case (IP) | Filed against the company | Pending |
| District court, Surguja at Ambikapur, Chhattisgarh | Court case (CrR) | Filed by the company against State of CG | Pending |
| District court, Bhavnagar, Gujarat | Criminal miscellaneous application | Filed by the company against an individual | Pending |
| District court, Nagpur, Maharashtra | Court case (Cri.Rev.App.) | Filed by the company against an individual | Pending |
To see the full case history of Navi 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.
MSME payment delays
Navi Limited has 1 MSME Form 1 return on record for the period ending Mar 2022, listing 46 overdue payments to 18 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 18)
| Supplier | Amount due | Due since | Reported on |
|---|---|---|---|
| Mind Blue LLP | |||
| Karza Technologies Private Limited | |||
| an individual supplier | |||
| Printo Document Services Private Limited | |||
| an individual supplier |
To see the full MSME payment records of Navi Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Group structure & subsidiaries
Navi has 10 subsidiary companies. This group structure data is as of FY 2021. The table lists each entity with its relationship and holding.
10
Subsidiary companies
Key subsidiaries
| Company Name | CIN | Shares held |
|---|---|---|
| Navi Finserv Private Limited | U65923KA2012PTC062537 | |
| Navi Trustee Limited | U65990WB2009PLC134536 | |
| Navi Amc Limited | U65990WB2009PLC134537 | |
| Navi Investment Advisors Private Limited | U65999KA2019PTC126689 | |
| Navi General Insurance Limited | U66000KA2016PLC148551 | |
| Navi Securities Private Limited | U67110KA2019PTC126783 |
To see the full group structure of Navi Limited, buy the company report.
Employees & EPFO
Navi Limited has a workforce of 643 employees on its EPFO records as of Apr 03, 2024, across 1 active EPFO establishment.
Employee count
643
Active EPFO establishments
1
Employee growth
-21.49%
GST
Navi has 2 GST registrations: 2 active.
Total GSTINs
2
Active
2
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 29AAICB1598F1ZE | Karnataka | Active | 13 Dec 2018 |
| 27AAICB1598F1CT | Maharashtra | Active | 28 Feb 2023 |
To see the full GST registrations and return filing status of Navi Limited, buy the company report.
Recent activity
Navi Limited has 19 board changes on record since 2018: 8 appointments and 11 cessations. The latest: Chanchal Kumar was appointed as Company Secretary on 04 Mar 2025.
AGM
Navi Limited last Annual general meeting of members was held on 30 Sep 2025 as per latest MCA records.
Charges
A charge with Others amounted to Rs. 80.00 Cr with Charge ID 101178471 was registered on 05 Aug 2025.
Charges
A charge with Sbicap Trustee Company Limited amounted to Rs. 170.00 Cr with Charge ID 101199586 was registered on 25 Jul 2025.
Charges
A charge registered on 16 May 2024 via Charge ID 100929813 with Others was fully satisfied on 04 Jun 2025.
Charges
A charge with Others amounted to Rs. 150.00 Cr with Charge ID 101147180 was registered on 30 Apr 2025.
Charges
A charge with Others amounted to Rs. 200.00 Cr with Charge ID 101089993 was registered on 14 Apr 2025.
Filing
Navi Limited has filed its annual Financial statements for the year ended 31 Mar 2025 with Roc Bangalore.
Appointed
Chanchal Kumar was appointed as Company Secretary.
Appointed
Rajiv Naresh was appointed as CEO.
Ceased
Rajiv Naresh ceased to be Additional Director.
Ceased
Sachin Bansal ceased to be Managing Director.
Charges
A charge registered on 08 Jul 2021 via Charge ID 100508894 with Others was fully satisfied on 25 Jun 2024.
24 earlier events are in the company report.
News
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Frequently asked questions
Navi is an active public limited company based in Bangalore, Karnataka, India. The company works in online financial services, within the internet industry. It was incorporated on 10 December 2018 (8+ years old) and is registered under CIN U72900KA2018PLC119297.
Navi has 8 current directors and KMP:
- Sachin Bansal - Whole-Time Director
- Usha A Narayanan - Director
- Vidit Aatrey - Director
- Nachiket Madhusudan Mor - Director
- Ankit Agarwal - Director
- Abhijit Sinha Bose - Director
- Chanchal Kumar - Company Secretary
- Rajiv Naresh - Ceo
The latest financial statements of Navi on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 30 September 2025. Year-wise statements from FY 2019 are in the company report.
The GSTIN of Navi is 29AAICB1598F1ZE, registered in Karnataka. The company has 2 GST registrations in all, of which 2 are active. Other active GSTINs include 27AAICB1598F1CT (Maharashtra).
The CIN (Corporate Identification Number) of Navi is U72900KA2018PLC119297. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Navi has 18 court cases on record: 8 filed by the company and 10 filed against it. 11 are pending. Most are in the district courts.
Navi was incorporated on 10 December 2018, making it 8+ years old. It is registered with the Registrar of Companies, Bangalore.
Navi has 12 deals on record (6 secondary share transfers, 2 funding rounds, 2 debt financings), with disclosed funding of ₹4,763.84 Cr; the latest was in August 2026.
Chanchal Kumar was appointed as Company Secretary on 04 Mar 2025. Rajiv Naresh was appointed as CEO on 14 Feb 2025. Rajiv Naresh ceased to be Additional Director on 14 Feb 2025. Navi has 19 board changes on record in total.
Navi has 1 MSME Form 1 return on record for the period ending Mar 2022, listing 46 overdue payments to 18 micro and small suppliers. The latest return was filed on 30 Apr 2022.
Navi can be reached through the website navi.com. Its registered office is in Bangalore, Karnataka, India.
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