As an investor in today’s dynamic financial landscape, your choice of mutual fund house matters more than ever. Among the emerging players disrupting traditional investing models is Navi Asset Management Company (Navi AMC Ltd.). Navi AMCLtd., is a subsidiary of Navi Technologies, has rapidly emerged as a prominent player in India’s mutual fund landscape. Emphasising a technology-driven approach, Navi AMC Ltd. focuses on offering low-cost, passive investment options that cater to both novice and seasoned investors.
Navi Mutual Fund is a SEBI-registered entity, sponsored by Anmol Como Broking Private Limited. The fund is managed by Navi AMC Limited, while Navi Trustee Limited acts as its trustee. Apart from mutual funds, Navi also provides various financial products and services, including cash loans, home loans, and general insurance
Navi Mutual Fund’s commitment to transparency, efficiency, and investor-centric services positions it as a forward-thinking asset management company in the Indian financial ecosystem.
Know the Navi Leaders:
A robust leadership team underpins Navi AMC’s strategic direction:
1. Mr. Arindam Ghosh
An Independent Director with over two decades of experience in financial services across Asia-Pacific, having held leadership roles at Mirae Asset Global Investments and Fidelity.
2. Dr. Nachiket Mor
An Independent Director and economist, Dr. Mor focuses on designing national and regional health systems and holds positions at The Banyan Academy of Leadership in Mental Health and IIIT Bangalore.
3. Mr. Ankit Agarwal
Serving as Associate Director, Mr. Agarwal is also the Executive Director and CFO of Navi Technologies. An IIT Delhi and IIM Ahmedabad alumnus, he brings experience from Bank of America and Deutsche Bank.
4. Ms. Rituparna Chakraborty
An Independent Director and Co-Founder of TeamLease Services Ltd., contributing her expertise in workforce solutions.
Backed by a tech-first approach, Navi AMC Ltd. offers a range of low-cost, transparent mutual fund schemes designed for modern Indian investors who value simplicity, efficiency, and returns.
Let us guide you through the core offerings of Navi Mutual Funds, their performance, and the key reasons why they might deserve a place in your portfolio.
Below is a snapshot of 10 key Navi Mutual Fund schemes offered by Navi Asset Management Company, along with their 1-year and 3-year returns, and Total Expense Ratio (TER):
| Sr.No. | Navi Mutual Fund Schemes | 1 Yr | 3 Yr | TER |
|---|---|---|---|---|
| 1 | Navi Liquid Growth Direct Plan | 6.95% | 6.56% | 0.15% |
| 2 | Navi Overnight Growth Direct Plan | 6.16% | NA | 0.05% |
| 3 | Navi Conservative Hybrid Growth Direct Plan | 11.26% | 7.22% | 0.33% |
| 4 | Navi Aggressive Hybrid Growth Direct Plan | 5.18% | 11.31% | 0.42% |
| 5 | Navi Large & Midcap Growth Direct Plan | 4.25% | 10.46% | 0.35% |
| 6 | Navi Nasdaq 100 FoF Growth Direct Plan | 7.56% | 14.91% | 0.16% |
| 7 | Navi Nifty Bank Index Growth Direct Plan | 4.81% | 11.24% | 0.10% |
| 8 | Navi ELSS Tax Saver Growth Direct Plan | 1.48% | 10.61% | 0.39% |
| 9 | Navi Nifty 50 Index Growth Direct Plan | 1.32% | 9.96% | 0.06% |
| 10 | Navi US Total Stock Market FoF Growth Direct Plan | 7.03% | 11.24% | 0.06% |
Source: Kuvera, April 14, 2025.
For more details about Navi Mutual Funds, click here.
Key Insights from the Table
1) Strong 3-Year Performers
- Navi Nasdaq 100 FoF (14.91%): Provides exposure to US tech giants; low TER at 0.16%.
- Navi Aggressive Hybrid Fund (11.31%): Balanced fund with significant equity component.
- Navi US Total Stock Market FoF (11.24%): Broad US equity exposure with minimal cost (TER 0.06%).
2) Best 1-Year Performer
- Navi Conservative Hybrid Fund (11.26%): Excellent short-term performance with a cautious asset allocation.
3) Low-Cost Passive Options
- Navi Nifty 50 Index Fund (TER 0.06%): Ideal for cost-conscious investors.
- Navi Nifty Bank Index Fund (TER 0.10%): Sectoral exposure with strong 3-year return of 11.24%.
4) Debt & Cash Management
- Liquid and Overnight Funds (6.95% and 6.16%): Useful for parking idle cash or maintaining liquidity.
5) Tax-Saving Opportunity
- Navi ELSS Tax Saver Fund (10.61% over 3 years): Offers 80C benefits with equity growth potential.
Why Choose Navi Asset Management Company?
1. Low-Cost Investment Options
Navi AMC’s passive investment strategy ensures minimal expense ratios, allowing a greater portion of your investment to work for you.
2. Diverse Fund Offerings
From equity and debt funds to international and tax-saving schemes, Navi AMC provides a comprehensive suite of mutual fund options to suit various investment objectives.
3. Technology-Driven Services
Leveraging cutting-edge technology, Navi AMC offers a seamless investment experience through its user-friendly platforms, facilitating easy access and management of your investments.
4. Accessibility
With the option to start investing with as little as ₹100, Navi AMC makes mutual fund investments accessible to a broad spectrum of investors.
Investment Approach and Philosophy of Navi Mutual Funds
Navi AMC’s investment philosophy is grounded in:
1. Passive Investment Strategy
By tracking benchmark indices, Navi AMC aims to replicate market performance, offering investors a transparent and cost-effective investment route.
2. Diversification
The range of funds spans various asset classes and geographies, enabling investors to diversify their portfolios and mitigate risks.
3. Simplicity and Transparency
Clear communication and straightforward investment processes ensure that investors are well-informed and confident in their investment decisions.
How to Invest with Navi AMC
1. Through the Navi App
- Download: Available on both Play Store and App Store.
- Explore Funds: Navigate through various schemes and select the one aligning with your financial goals.
- Complete KYC: Provide necessary details to complete the Know Your Customer process.
- Choose Investment Mode: Opt for SIP or lump sum investment.
- Invest: Start investing with amounts as low as ₹100.
2. Through the Website
- Visit: https://navi.com/mutual-fund
- Follow Steps: Similar to the app, select your preferred fund, complete KYC, and initiate your investment.
For queries, click here.
Wrapping Up
To wrap up, Navi Asset Management Company stands out as a promising investment partner in the evolving Indian mutual fund space. Its focus on passive investment strategies, ultra-low-cost structures, and technology-led accessibility resonates strongly with the modern investor. With consistent performance across categories—especially in international and hybrid funds—Navi Mutual Funds offer not just diversity but also reliability. The presence of schemes with TERs as low as 0.06%, coupled with returns exceeding 14% in some categories, makes it a compelling choice for those looking to maximise long-term gains with minimal friction.
Whether you’re aiming to park surplus funds, build a diversified global portfolio, or simply start your investment journey with a trusted brand, Navi AMC Ltd. equips you with all the right tools. Backed by a visionary leadership team and driven by simplicity and transparency, Navi Mutual Funds have carved a niche that is increasingly hard to ignore. For investors who value innovation, cost-efficiency, and long-term strategy, Navi AMC offers both peace of mind and promising potential.
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DISCLAIMER: Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. Registration granted by SEBI, membership of BASL (in case of IAs) and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Investments in securities market are subject to market risks. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory.
