Rajiv Naresh, MD & CEO, Navi
Navi is sharpening its deal with product depth and institutional scale, MD & CEO Rajiv Naresh informed businessline, outlining a ahead roadmap throughout funds, lending and asset administration.
“The second inflection level of our journey is UPI,” Naresh stated, pointing to the rise of Navi UPI as a structural progress lever. The app has scaled to a 3.2 per cent market share by transaction quantity and 1.3 per cent by worth inside two years, rising because the fourth-largest participant within the ecosystem.
“One may have argued that there’s no area for a fourth participant to emerge and take virtually 4 per cent market share in 18 months,” he stated. “However customers inform us that they really feel our expertise is quicker and extra seamless.”
Naresh added that the next phase will centre on embedding credit score into the funds stack. “In my thoughts, there might be no extra environment friendly engine to ship credit score to the lots than credit score on UPI,” he stated, underscoring the corporate’s perception in converging funds and lending rails.
Lending and AMC: High quality, precision and scale
“Lending is our core,” Naresh stated, noting that the corporate has recalibrated its mortgage guide in direction of lower-risk property. The combination is now roughly 80 per cent unsecured and 20 per cent secured, with secured property anticipated to develop additional in absolute phrases.
“The standard of our guide is in a continuing upward trajectory,” he stated, signalling tighter underwriting and stronger governance frameworks amid a extra stringent regulatory atmosphere.
On asset administration, Naresh stated Navi Mutual Fund will construct on its passive-first basis whereas broadening its product suite.
“In relation to Navi AMC, we’ve spent lots of time mastering the precision of index investing, obsessing over each foundation level to offer a dependable, low-cost gateway for Indian buyers,” he stated.
Trying forward, the ambition is evident: “Over the next three years, we purpose to be amongst the quickest rising AMCs led by product innovation, digital enlargement in B30 cities and a dedication to giving retail buyers the identical refined instruments as soon as reserved for establishments.”
Collectively, the technique alerts a pivot from fast enlargement to disciplined scale — with credit-on-UPI, secured lending and retail-focused investing forming the pillars of Navi’s next progress cycle.
Revealed on February 18, 2026
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