The investment arm of Netherlands-based Dutch tech investor Prosus has officially led a major investment round for Navi worth ₹ 940 crore. The equity injection was executed at a company valuation of ₹13,192 crore. Prosus joined the transaction as the exclusive institutional investor in this major funding round via its subsidiary, MIH Payments Holdings B.V. As per the official corporate filing, the capital raised will be utilized to finance sustainable business expansion, a strategic investment agenda for operating subsidiaries, and other corporate purposes in accordance with the ratified business plan.

Core business operations and ownership breakdown

While Navi has received a massive funding boost from one of the world’s largest institutional backers, its founder Sachin Bansal still maintains a significant majority stake in the firm. After the recent share allotment, Bansal now owns 84.34% of the fintech company, making him its biggest shareholder and most important contributor.

 Other key internal stakeholders include co-founder and chief financial officer Ankit Agarwal, who owns 0.85%. Since the transaction was completed, the Prosus Ventures investment side emerged as the most substantial external institutional investor to the group with an 8.59% equity position in the group.

Co-founded by Sachin Bansal, a former Flipkart co-founder, Navi has a diversified financial services business with a presence across lending, mutual funds, insurance, and Unified Payments Interface (UPI) transactions. The company has steadily expanded its market reach with the launch of new product lines. 

Navi also launched motor insurance as part of its broad insurance products in March 2026. The executive structure has also been reinforced through leadership changes, with Rajiv Naresh becoming the chief executive officer of Navi Technologies and Abhishek Dwivedi taking charge as the chief executive officer at Navi Finserv.

Strategic partnership and core objectives

The injection of ₹940 crore gives Navi significant capital to expand its footprint in the fiercely competitive Indian financial sector. Through improving its lending capabilities, mutual funds, and digital payments infrastructure, the organization seeks to capitalize on the rapid growth of the digital economy.

The strategic alliance with Prosus allows for international experience and support, which will enable Navi to speed up its product development while ensuring good governance within its different financial companies.

The primary business goals of Navi involve creating a technology-driven financial environment that is highly accessible and easy to use for banking, credit, insurance, and investments in India.

The company’s automated credit underwriting platforms and proprietary machine learning models, combined with deep data telemetry, will allow for the creation of cost-effective, non-interruption financial products for underserved, digitally active consumers. 

Its strategic roadmap revolves around vertical growth in segments, such as personal loans, home loans, Unified Payments Interface transactions, and new segments like motor insurance, while steadily improving the unit economics, risk management, and maximisation of long-term profitability from consolidated operations.

Conclusion

The ₹940 crore financing round led by Prosus at a valuation of ₹13,192 crore is an important moment for fintech company Navi. Founder Sachin Bansal holds an 84.34% stake in Prosus, which has built up a strong position as the largest external shareholder with an 8.59% stake. Navi has backed its next stage of business expansion, subsidiary investments, and market consolidation with a diversified portfolio that includes lending, insurance, mutual funds, and Unified Payments Interface transactions.