Navi Technologies

Navi's stated mission is to make financial products and services simple, affordable, and accessible for a billion Indians.

Personal loans, home loans, health insurance, mutual funds and UPI payments delivered through the Navi App and navi.com rather than branch networks.

Individuals seeking digital personal loans and home loans.

Individual customers of Navi General Insurance (health insurance) and Navi AMC (mutual funds).

Consumers using Navi's NPCI-approved UPI payment service.

Primary mobile app distribution for loans, insurance, mutual funds and UPI.

Web platform with product pages, blog and financial calculators.

Underwriting and disbursing personal loans and home loans via Navi Finserv, an RBI-regulated NBFC.

Health insurance underwriting via IRDAI-registered Navi General Insurance Limited.

Managing mutual fund schemes via SEBI-registered Navi AMC Limited.

Navi UPI is offered by Navi Limited (formerly Navi Technologies Limited) as an NPCI-approved Third Party Application Provider (TPAP) for UPI payments — per navi.com's About page (paraphrased, not a direct quote).

Cash loans and home loans are provided by Navi Finserv Limited, a systemically important non-deposit-taking NBFC registered with and regulated by the RBI — per navi.com's About page (paraphrased, not a direct quote).

Health insurance is offered by Navi General Insurance Limited, a non-life insurer registered with the IRDAI — per navi.com's About page (paraphrased, not a direct quote).

Navi Mutual Fund is registered with SEBI, with Navi AMC Limited acting as Investment Manager to the fund — per navi.com's About page (paraphrased, not a direct quote).

Interest income was Rs 2,178 crore in FY25, 85% of Navi's total revenue.

Health insurance premiums via Navi General Insurance Limited.

Asset management fees via Navi AMC Limited (formerly Essel Mutual Fund, acquired with SEBI approval in December 2020).