Promoter holding
64.27%
NP
Navi Payment Technologies Private Limited - Due diligence report
A 360° intelligence report on Navi Payment Technologies Private Limited: trust score, financial health, credit view, compliance, directors, …
Navi Payment Technologies Private Limited — 360° Intelligence Report
Generated from MCA filings & public records75/100
Trust Score
Low Risk
Navi Payment Technologies Private Limited is assessed as Low Risk with a Trust Score of 75/100. Navi Payment Technologies Private Limited is an active private limited indian non-government company incorporated in 2012, operating in the Financial Services 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 13 Jun 2026 from the latest processed filings. Navi Payment Technologies Private 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.
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Score Card
Higher is safer · rule-based & explainableTrust ScoreLow Risk
75/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreLow Risk
100/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
40/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
75/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
40/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
65/100
Early-warning signals - higher means fewer warnings.
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Financial Intelligence Dashboard
Standalone · 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.
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Credit & Compliance Intelligence
Why the scores are what they are
Credit Risk Score: 45/100 Caution Indicated
- Negative operating earnings - debt service depends on external support.
- Working-capital cover adequate.
Charges position: 2 open (20.25 cr) · 1 satisfied (2.00 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Hdfc Bank Limited | 1 | 48.0 cr |
| Others | 2 | 48.0 cr |
Compliance Score: 100/100 Low Risk
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- 2 active GST registration(s).
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Director Intelligence
Stability score: 75/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| GOURAV DOKANIA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| NITIN GUPTA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Chanchal Kumar | 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 |
| Krisha Mukesh Mehta | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 6 directors on the board.
- No disqualified or deactivated DINs.
- 7 director exits in 3 years - high churn.
Director & KMP remuneration (FY 2023)
| 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
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Ownership & Group Intelligence
As per FY 2023 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
Uniorbit Technologies Private Limited
Subsidiaries
-
Group entities
-
Capital events
11 allotment(s) · 0 transfer(s)
Promoters hold a dominant controlling stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Uniorbit Technologies Private Limited | Holding Company | 74.00% |
Key managerial personnel: GOURAV DOKANIA (CFO) · NITIN GUPTA (CEO) · RAJIV NARESH (CEO)
Full shareholding pattern, group structure & capital events →
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Risk Intelligence Center
Growth 40 · Distress 65
Growth signals & trust indicators
Operating for 13+ years.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
7 director exits within 2 years.
2 open charge(s) registered - assets are encumbered.
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Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence82/100
Favourable indicators
Suitability as a supplier / customer counterparty.
- Statutory record is clean.
- 2 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment57/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 2 open charge(s) of 20.25 cr already registered.
- Compliance record supports lending.
Investor view49/100
Mixed indicators
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.
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MCA Filings & Events Timeline
Latest 15 events06 Nov 2025
Director appointed
RAJIV NARESH (CEO)
15 Oct 2025
Director ceased
Chanchal Kumar
Director ceased
ANKIT AGARWAL
Director ceased
RAJIV NARESH
13 Oct 2025
Director appointed
Chanchal Kumar (Director)
Director appointed
ANKIT AGARWAL (Director)
Director ceased
Laxmikant Vyas
Director ceased
NITIN GUPTA
30 Sep 2025
Last AGM held
Annual general meeting
20 Jun 2025
Director ceased
Prateek Jindal
12 May 2025
Charge created
Hdfc Bank Limited - 20.00 cr
31 Mar 2025
Latest balance sheet
Filed with ROC
17 Feb 2025
Director ceased
GOURAV DOKANIA
05 Jan 2024
Director appointed
Krisha Mukesh Mehta (Company Secretary)
31 Jan 2023
Director ceased
SMITA VINESH DAVDA
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Key Observations
Auto-generated from the data aboveRevenue declined 38% over the last 4 financial year(s).
Net profit margin moved from 1.42 to 2.1x.
Net worth is positive.
Compliance record is strong - status, filings and flags are clean.
6 active director(s) / partner(s); board looks stable and experienced.
2 active GST registration(s) indicate ongoing business operations.
Promoters hold a dominant controlling stake as per the FY 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 11 security allotment(s) - amounts available in the full report.
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| Victoria Glass Works Pvt Ltd | U26109WB1946PTC014043 | Howrah, West Bengal, India |
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| Piramal | U67200MH2017PTC294979 | Mumbai, Maharashtra, India |
| Hillview Agencies Pvt Ltd | U51909WB1988PTC045297 | Kolkata, West Bengal, India |
| Bawasons Holdings Private Limited | U67120DL1996PTC329528 | East Delhi, Delhi, India |
| String Metaverse Limited | U70109TG2018PLC127246 | Rangareddy, Telangana, India |
| Bairavi Vincom Pvt.Ltd. | U51109WB1994PTC064784 | Kolkata, West Bengal, India |
| Reliance Commercial Company Private Limited | U51900RJ1989PTC080133 | Ajmer, Rajasthan, India |
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Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Navi Payment Technologies Private Limited before audits and certifications: compliance score 100/100, 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 Payment Technologies Private Limited: 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: Mixed indicators - deeper appraisal suggested. Credit risk score 45/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 40/100, margin trends, ownership structure and peer set for Navi Payment Technologies Private Limited - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Favourable indicators. Trust score 75/100, distress signals and MSME payment-delay disclosures - know whether Navi Payment Technologies Private Limited pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (no cases on record), regulatory flags, charge documents trail and director networks for Navi Payment Technologies Private Limited - groundwork for KYC, onboarding and disputes.
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Frequently Asked Questions
Is Navi Payment Technologies Private Limited an active company?
Navi Payment Technologies Private Limited has MCA status “Active” with a compliance score of 100/100 (Low Risk).
Is Navi Payment Technologies Private Limited financially healthy?
Navi Payment Technologies Private Limited has a Financial Health Score of 40/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Navi Payment Technologies Private Limited?
Its overall Trust Score is 75/100 (Low Risk). Vendor verdict: Favourable indicators. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Navi Payment Technologies Private Limited?
The ultimate holding entity is Uniorbit Technologies Private Limited. 6 active director(s) are on record.
Does Navi Payment Technologies Private Limited have loans or charges against its assets?
2 open charge(s) are registered against its assets, and 1 earlier charge(s) stand satisfied.
Is Navi Payment Technologies Private Limited up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 100/100 (Low Risk).
Is it risky to lend to Navi Payment Technologies Private Limited?
Its Credit Risk Score is 45/100 (Caution Indicated). Banker verdict: Mixed indicators - deeper appraisal suggested.
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.
