Disclosures
Transparency at Every Step
At Naveen Finance Pvt. Ltd., transparency, accountability, and regulatory compliance form the core principles of our corporate governance framework.
As an RBI-regulated NBFC, we comply with the disclosure requirements prescribed under applicable laws, regulations, circulars, and directions to ensure customers, investors, regulators, and stakeholders have access to accurate, timely, and relevant information.
Annual Reports
The Annual Report provides a comprehensive overview of the Company's operational, financial, governance, compliance, and strategic performance during a financial year.
Annual Report
FY 2025–26
Annual Report
FY 2024–25
Annual Report
FY 2023–24
Annual Report Contents
Corporate Overview
- Company profile and business activities
- Vision, mission, and strategic direction
- Business model and operational overview
- Industry and market insights
Board & Management Report
- Directors' Report
- Management Discussion & Analysis (MD&A)
- Corporate governance disclosures
- Risk management overview
- Operational and financial highlights
Financial Performance
- Revenue and profitability overview
- Loan portfolio performance
- Financial ratios and key metrics
- Capital adequacy and liquidity information
Compliance & Governance
- RBI regulatory compliance disclosures
- Statutory compliance updates
- Auditor observations and responses
- Internal control framework
Financial Statements
Transparent disclosure of the Company's financial position, operational performance, and statutory reporting in accordance with applicable accounting standards and regulatory requirements.
Balance Sheet
Assets/liabilities, loan portfolio, investments, borrowings, net worth and reserves
Profit & Loss Account
Revenue, interest income, operational expenses, profitability metrics, tax provisions
Cash Flow Statement
Operating, investing, and financing activities in detail
Notes to Accounts
Accounting policies, loan provisioning norms, contingent liabilities, related party transactions
Auditor's Report
Independent statutory audit report confirming accuracy and regulatory adherence
Regulatory Disclosures
Mandatory disclosures required under RBI regulations, NBFC guidelines, digital lending norms, statutory laws, and applicable governance frameworks — intended to promote transparency, customer awareness, and regulatory accountability.
RBI Registration Information
CoR details, NBFC classification, regulatory status disclosures
Corporate Information
CIN, registered office, corporate office, contact details
Policies & Compliance Documents
FPC, KYC/AML, Interest Rate Policy, Digital Lending Policy, Privacy Policy, GRP
Customer Information Disclosures
Key Fact Statement, Schedule of Charges, Loan T&Cs, recovery practices and borrower guidance
Digital Lending Disclosures
LSP details, data consent framework, APR disclosures, grievance channels
Statutory & Legal Disclosures
AML/CFT compliance declarations, data privacy, cybersecurity, ombudsman details
Notices & Announcements
Official communication platform for publishing important updates, regulatory notices, customer advisories, and public disclosures relating to the Company.
Regulatory Updates
RBI circular implementation updates, regulatory compliance notifications, policy revisions and amendments
Operational Announcements
Branch openings or closures, changes in business hours, system maintenance notifications
Customer Advisories
Fraud awareness alerts, cybersecurity advisories, fake loan app warnings, OTP sharing precautions
Product & Service Updates
New product launches, interest rate revisions, fee structure changes, digital platform updates
Legal & Compliance Notices
Changes in terms & conditions, privacy policy updates, statutory announcements
Investor & Stakeholder Notices
AGM notices, shareholder communications, corporate governance updates
No announcements at this time. The Company may periodically issue public advisories cautioning customers against fraudulent calls, unauthorized loan applications, and fake mobile applications. Check back for latest updates.