Artificial Intelligence impact on Businesses. (File Photo)
\n\nNavi Limited’s latest financial performance is offering an early indication of whether co-founder Sachin Bansal’s artificial intelligence (AI)-led approach to lending can deliver sustainable growth, stronger asset quality and consistent profitability in an increasingly competitive digital lending market.
\n\nSpeaking at the Global Fintech Fest in Mumbai last month, Bansal argued that AI alone would no longer provide a competitive advantage as the technology becomes cheaper and more accessible. Instead, he said, companies would need to differentiate themselves through how effectively they integrate AI into their core business operations.
\n\nFor Navi, that has meant “going deep” into lending itself: in-house credit decisioning and risk models, with a substantial proportion of incremental loan originations sourced internally through its own app, a point CareEdge Ratings last month also notes in its rationale.
\n\nThe design is now visible in the credit numbers. Navi Finserv disbursed Rs 23,332 crore in FY26, up 73 per cent year on year, and closed the year with a lending book of Rs 13,138 crore, up 57 per cent.
\n\nThe company attributes its asset quality, with gross NPAs of 1.25 per cent and net NPAs of 0.16 per cent in FY26, to stronger…
Original source: https://www.timesnownews.com/business-economy
