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Issue size

Upto Rs. 3350 crores

Issue Period

To be announced

Price band

To be announced

Market lot / Multiples

To be announced

Navi Technologies Ltd IPO Overview

- A technology-driven financial products and services company in India focusing on the digitally connected young middle-class population of India
- Have adopted a mobile-first approach, utilising strong in-house technology and product expertise to build customer-centric products
-  Since the company’s incorporation, they have expanded offerings under the “Navi” brand to include personal loans, home loans, general insurance and mutual funds. Also offer microfinance loans, through a wholly-owned subsidiary, under the “Chaitanya” brand (Source: Company DRHP)

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Strengths & Risks associated

Top 0 Strengths

  • 1

    Mobile first approach driving better customer engagement and experience

    Operate a mobile-first, app-only model for personal loans, home loans and health insurance products. This model enables them to (a) cater to digitally connected Indians, (b) avoid intermediation and reach customers directly in tier-1 cities and beyond, and (c) offer an unassisted buying journey with one of the lowest turnaround times amongst lenders in India, in the personal loans category, according to the RedSeer Report (Source: Company DRHP)

  • 2

    End-to-end ownership of product

    Ability to develop simple and intuitive products from the ground up ensures end-to-end ownership of products. The company has limited dependency on third parties as they own the entire value chain right from in-house technology to product designing (Source: Company DRHP)

  • 3

    Risk management, data science and machine learning leveraged operating model

    Underwriting, pricing, risk management and collections are driven by proprietary data science and machine learning capabilities. This provides a significant advantage over traditional lenders who, according to a RedSeer Report, are largely dependent on excessive paperwork and manual evaluation which can be tedious and time-consuming (Source: Company DRHP)

Top 0 risks

  • 1

    Business depends on the trust customers place in the brand, and any failure to maintain, protect, enhance and promote such trust would adversely affect business

    Factors such as failure to satisfy the expectations of the quality or reliability of products and services, including temporary downtime or software bugs affecting the Navi App (Source: Company DRHP)

  • 2

    If customers default in their repayment obligations, the company's business, results of operations,financial condition and cash flows may be adversely affected

    Customers may default on their obligations due to a variety of factors, including as a result of their bankruptcy, lack of liquidity, government or other regulatory intervention (Source: Company DRHP)


  • Net Worth
  • Total Income
  • Comprehensive total profit for the period
  • Total Borrowings
  • Basic Earning per Share (EPS)

Net Worth

Total Income

Comprehensive total profit for the period

Total Borrowings

Basic Earning per Share (EPS)

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Non-Institutional Investor
Qualified Institutional Buyers

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An Initial Public Offering (IPO) is when a company issues common stock or shares to the public for the first time. It is the process where a privately held company becomes a publicly traded company with the initial sale of its stock. An IPO is a tool that companies use to secure capital through investments for future use. In most instances, this investment is used to expand or improve the business.

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An investor can place maximum of 3 bids in an issue.

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