Navi Finserv — Digital Lending Partnerships & Profile
Navi Finserv Limited. NBFC in India's digital lending ecosystem, with 4 tracked digital lending partnerships.
Snapshot
Reading the data
Navi Finserv is an RBI-registered NBFC, rated CRISIL A / Stable, with ₹14,094 Cr in AUM as of 2025-03. Our Market Map tracks 4 digital lending partnerships for Navi Finserv, including Navi Finserv Limited, Cholamandalam and Tata Capital. Cost of funds runs at 9.25–11.19% as of 2025-03 — the single most important number for judging what partnership economics it can support. Product focus: personal loans, home loans, loans against property across tickets of ₹10K–₹5 Cr and tenures of 3–360 months. Worth knowing: RBI lending ban imposed Oct 21 2024 lifted Dec 2 2024. Home loans under NFL itself not separate entity. DRHP 2022 vintage data superseded by FY25 actuals. NIM 7.8% FY25. Avg CoF 10.26% FY25.
Products
Digital lending partnerships
| DLA / App | LSP / Owner | Available on |
|---|---|---|
| Navi Finserv Limited | Self-owned | Website |
| navi FINSERV | Cholamandalam | Website |
| Navi Finserv Limited | Tata Capital | Website |
| NAVI | Tata Capital | App Store |
Frequently asked questions
Who are Navi Finserv's digital lending partners?
Navi Finserv has 4 digital lending partnerships tracked in the RBI digital lending registry, including Navi Finserv Limited, Cholamandalam, Tata Capital.
What is Navi Finserv's AUM and cost of funds?
Navi Finserv reports AUM of ₹14,094 Cr (2025-03) and cost of funds of 9.25–11.19%, per public filings and rating documents.
What products does Navi Finserv offer through digital lending?
Navi Finserv is active in personal loans, home loans, loans against property, with ticket sizes from ₹10K to ₹5 Cr.
How do I evaluate Navi Finserv as a lending partner?
Run your product type, rate band, and ticket size through our Partner Finder to see whether Navi Finserv fits your model, and compare alternatives on the Market Map.
Does Navi Finserv fit your lending model?
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Primary source type: Rating-Rationale. Data confidence: High. Batch B4-Navi. Updated June 2026.
Data on this page is collated from public sources — the RBI Digital Lending App registry, rating agency rationales, and company disclosures — on a best-effort basis. Figures may be estimates (proxies are labelled), may be out of date, and may contain errors. Digital Lending.In makes no warranty of accuracy or completeness and accepts no liability for decisions made on this information. Nothing here is investment, legal, or partnership advice, or a recommendation of any institution. Verify independently before acting.