Promoter holding
64.27%
NL
Navi Limited - Due diligence report
A 360° intelligence report on Navi Technologies: trust score, financial health, credit view, compliance, directors, growth and distress sign…
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Navi Technologies — 360° Intelligence Report
Generated from MCA filings & public records65/100
Trust Score
Moderate
Navi Technologies is assessed as Moderate with a Trust Score of 65/100. Navi Technologies is an active public limited indian non-government company incorporated in 2018, operating in the Internet sector. Reported revenue has declined across its recent filed years. It reported a loss in its latest filed year. Based on MCA filings and public records, it currently shows a low compliance risk and high financial risk profile.
Report generated on 16 Jul 2026 from the latest processed filings. Navi Limited snapshot & full profile →
Automated indicators derived from public MCA / GST / EPFO records - not a credit rating, not investment, legal or financial advice. Spotted an inaccuracy? Report an error.
02
Score Card
Higher is safer · rule-based & explainableTrust ScoreModerate
65/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
78/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
30/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
35/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
85/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
60/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Consolidated · 5 filed year(s)Unlock the full 5-year financial dashboard with charts and year-wise figures.
Get full accessScores and observations on this page are already computed from the real filings - only the underlying figures are locked.
04
Credit & Compliance Intelligence
Why the scores are what they are
Credit Risk Score: 35/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Elevated gearing (D/E 1.42).
- Working-capital cover adequate.
Charges position: 6 open (748.00 cr) · 3 satisfied (254.60 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 7 | 48.0 cr |
| Sbicap Trustee Company Limited | 1 | 48.0 cr |
| Hdfc Bank Limited | 1 | 48.0 cr |
Compliance Score: 78/100 Low Risk
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Litigation present in 2 court forum(s).
- Delayed payments to MSME suppliers disclosed (46 disclosure(s)).
- 2 active GST registration(s).
Legal cases on record (2)
05
Director Intelligence
Stability score: 85/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| USHA A NARAYANAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| VIDIT AATREY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SACHIN BANSAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Chanchal Kumar | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NACHIKET MADHUSUDAN MOR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SACHIN BANSAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ANKIT AGARWAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ANKIT AGARWAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAJIV NARESH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| ABHIJIT SINHA BOSE | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 10 directors on the board.
- No disqualified or deactivated DINs.
- 2 director exit(s) in the last 3 years.
Director & KMP remuneration (FY 2025)
| Name | Designation | Total remuneration |
|---|---|---|
| A K Sharma | Managing Director | 2.4 cr |
| R Mehta | Whole-time Director | 1.6 cr |
| S Iyer | CFO | 95.0 L |
Remuneration is disclosed in the latest annual return. Unlock full report
06
Ownership & Group Intelligence
As per FY 2025 annual returnPublic / other holding
35.73%
Equity shares
12,45,67,890
Equity paid-up
124.5 cr
Promoters on record
4
Ultimate holding entity
-
Subsidiaries
6
Group entities
6
Capital events
12 allotment(s) · 1 transfer(s)
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Anmol Como Broking Private Limited | Subsidiary Company | 74.00% |
| Bacq Acquisitions Private Limited | Subsidiary Company | 74.00% |
| Chaitanya India Fin Credit Private Limited | Subsidiary Company | 74.00% |
| Mavenhive Technologies Private Limited | Subsidiary Company | 74.00% |
| Navi Amc Limited | Subsidiary Company | 74.00% |
| Navi Finserv Private Limited | Subsidiary Company | 74.00% |
| Navi General Insurance Limited | Subsidiary Company | 74.00% |
| Navi Investment Advisors Private Limited | Subsidiary Company | 74.00% |
| Navi Securities Private Limited | Subsidiary Company | 74.00% |
| Navi Trustee Limited | Subsidiary Company | 74.00% |
Key managerial personnel: SACHIN BANSAL (CEO) · SACHIN BANSAL (Whole-time director) · ANKIT AGARWAL (CFO) · RAJIV NARESH (CEO)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 40 · Distress 60
Growth signals & trust indicators
Operating for 7 years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Losses deepening year-on-year.
6 open charge(s) registered - assets are encumbered.
MSME payment delays disclosed - latest outstanding 2.79 cr.
2 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence69/100
Review suggested
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- 2 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment44/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 6 open charge(s) of 748.00 cr already registered.
- Compliance record supports lending.
Investor view43/100
Limited indicators at present
Growth quality and scalability through an investor lens.
- No clear growth signals in the filed years.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events30 Sep 2025
Last AGM held
Annual general meeting
05 Aug 2025
Charge created
Others - 80.00 cr
25 Jul 2025
Charge created
Sbicap Trustee Company Limited - 170.00 cr
04 Jun 2025
Charge satisfied
Others
30 Apr 2025
Charge created
Others - 150.00 cr
14 Apr 2025
Charge created
Others - 200.00 cr
31 Mar 2025
Latest balance sheet
Filed with ROC
04 Mar 2025
Director appointed
Chanchal Kumar (Company Secretary)
14 Feb 2025
Director appointed
RAJIV NARESH (CEO)
Director ceased
SACHIN BANSAL
Director ceased
RAJIV NARESH
25 Jun 2024
Charge satisfied
Others
16 May 2024
Charge created
Others - 250.00 cr
28 Feb 2023
Charge created
Others - 100.00 cr
06 Dec 2022
Charge satisfied
Others
10
Key Observations
Auto-generated from the data aboveRevenue declined 2.1x over the last 4 financial year(s).
Net profit margin moved from 24% to 0.86.
Debt-to-equity stands at 61% - leverage worth monitoring.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
10 active director(s) / partner(s); board looks stable and experienced.
2 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 6 subsidiary(ies) - assess on a consolidated basis.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a dominant controlling stake as per the FY 2025 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 12 security allotment(s) - amounts available in the full report.
| Company | CIN | Location |
|---|---|---|
| Aarvi | L29290MH1987PLC045499 | Mumbai, Maharashtra, India |
| Shakti Polyweave Private Limited | U17110GJ1997PTC033436 | Ahmedabad, Gujarat, India |
| Sindhu Trade Links Limited | L63020DL1992PLC121695 | New Delhi, Delhi, India |
| Netskope | U72200KA2013FTC068065 | Whitefield Road Bangalore, Karnataka, India |
| Aqua Terra Coke & Energy Limited | U40100TN2008PLC101598 | Village Ketnamallee Gummidipoondi, Tamil Nadu, India |
| Kalpataru | L45200MH1988PLC050144 | Mumbai, Maharashtra, India |
| Timex Group India | L33301DL1988PLC033434 | New Delhi, Delhi, India |
| Malganga Milk And Agro Products Private Limited | U15201PN2011PTC138403 | Ahmednagar, Maharashtra, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Navi Technologies before audits and certifications: compliance score 78/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Navi Technologies: ACTIVE compliance status, annual-return recency, director DIN status, board churn and the events timeline - the inputs for secretarial audits and due-diligence certificates.
Bankers & NBFCs
Current banker verdict: Enhanced diligence advised. Credit risk score 35/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Limited indicators at present. Growth score 40/100, margin trends, ownership structure and peer set for Navi Technologies - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 65/100, distress signals and MSME payment-delay disclosures - know whether Navi Technologies pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (2 case(s) on record), regulatory flags, charge documents trail and director networks for Navi Technologies - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Navi Technologies an active company?
Navi Technologies has MCA status “Active” with a compliance score of 78/100 (Low Risk).
Is Navi Technologies financially healthy?
Navi Technologies has a Financial Health Score of 30/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Navi Technologies?
Its overall Trust Score is 65/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Navi Technologies?
Promoters hold a dominant controlling stake - exact percentages are in the full report. 10 active director(s) are on record.
Does Navi Technologies have loans or charges against its assets?
6 open charge(s) are registered against its assets, and 3 earlier charge(s) stand satisfied.
Is Navi Technologies up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 78/100 (Low Risk).
Is it risky to lend to Navi Technologies?
Its Credit Risk Score is 35/100 (Caution Indicated). Banker verdict: Enhanced diligence advised.
Disclaimer: This report is generated automatically from MCA filings and public records as available
in our system at the time of the last update. Scores, bands and verdicts are rule-based derived indicators of the
underlying data - they are opinions generated by an algorithm, not statements of fact about the company, and are
not credit ratings (within the meaning of SEBI regulations), audits, or investment, legal or financial advice.
Verify from official sources and consult a qualified professional before any business, lending or investment decision.
If you represent this company and believe any information is inaccurate or outdated,
report it here and we will review promptly.
