Navi Mutual Funds - An Ultimate Guide to 2025
The Navi Mutual funds have emerged as a major investment choice in the Indian investment scene. With the recently increasing demand of simple and low-cost investment products, Navi MF can be distinguished by its digital-first strategy and open products. As more investors in India research the convenient and efficient wealth creation tools, it is important to know more about Navi Mutual Funds so as to pursue financial growth in 2025.
Why is Navi Mutual Funds Relevant in 2025?
Navi Mutual Funds became well-known due to the simplified product offerings, low expense ratio, and simple digital onboarding. By 2025, their innovativeness and investor friendly solutions suit the changing needs of Indian investors. As stock markets expanded, regulatory dynamics shifted and digital adoption became widespread, Navi MF has evolved to achieve accessibility and transparency.
Navi is a technology-based and automation-driven strategy, which supports the cost-effective and hassle-free management of funds. Their product portfolio is founded on their passive and index-linked strategies which are perfect in the current cost-conscious and informed investor.
What are the Best Features of Navi Mutual Funds?
Navi Mutual funds have a number of competitive advantages that are attractive to the contemporary investor.
- No fee on direct mutual fund investments.
- Low cost ratios relative to most conventional funds.
- Onboarding in a few minutes to instant digital.
- Eliminating the use of paper to complete KYC process, so that it is easily accessible to new investors.
- Dwelling on passive investment particularly index and ETF funds.
- Reporting and frequent online updates.
- Large portfolio of equity, debt, hybrid and ETFs.
Highlights
- There is no need to visit any of the branches; all the processes are taken through the app or the site that belongs to Navi.
- Quick and no paper opening and tracking of accounts.
- The expense ratios of Navi Nifty 50 Index Fund stand at 0.06 percent in 2025.
- Good Android and iOS ratings over 4.7 mobile apps.
Did you know?
Navi MF was founded by Sachin Bansal, a cofounder of Flipkart who introduced an approach of thinking digitally to the financial services industry.
Why do you think you would want to invest with the Navi Mutual Funds?
Investing in Indian mutual funds, the essentials of cost, transparency, performance, and user experience are factors that Indian mutual fund investors need to consider today. Navi answers these by–
- Low-cost long-term funds which do not cannibalize long-term returns.
- Easy to use platform even by beginners.
- Online SIP management, performance and goal based investment tools.
- A growing variety of index funds of Indian and global market.
Pros
- Reduced expense ratios imply that higher returns are to be retained.
- Online convenience in using apps and web-based investments, convenient to busy professionals.
- Direct plans with zero commission, which lowers the cost of intermediaries.
- Simple process of redeeming, fast liquidity processing.
Cons
- Few actively managed fund selections at present.
- Less tenure of track record than established mutual fund houses.
- No physical network of branches that might restrict comfort of some traditional investors.
What Are the Most popular in 2025 Navi Mutual Fund Schemes?
Navi mutual fund has a variety of options that can satisfy various risk tastes and objectives.
- Navi Nifty 50 Index Fund
- Navi Nifty Next 50 Index Fund
- Navi ELSS Tax Saver Fund
- US Total Stock Market Fund of Fund by Navi.
- Navi Nifty India manufacturing index fund.
- Navi Ultra Short Duration Fund (Debt)
- Navi Arbitrage Fund
Comparison Table: Navi Index Funds vs Industry Average (2025 data)
| Fund Name | Expense Ratio(Navi) | Category Avg Expense | 3 Year CAGR(percent) |
|---|---|---|---|
| Navi Nifty 50 Index Fund | 0.06 | 0.37 | 15.78 |
| Navi Nifty Next 50 Index Fund | 0.13 | 0.41 | 18.93 |
| Navi Nifty India Manufacturing Index | 0.13 | 0.37 | 19.15 |
The information is current on the basis of the latest fund factsheets and AMFI, 2025.
Expert Insight
The use of passive index funds with their broad market coverage and cost efficiency is recommended by most financial advisors in 2025. The low-expense ratio indexes that Navi provides are ranked in the best-value category in this area.
The Navi MF SIP Experience
The investment in the Funds with Navi can be easily and conveniently started through a Systematic Investment Plan (SIP). The whole process, including KYC, bank linking and SIP set up, is digital, which is why it takes approximately 10 minutes.
Key Points
- minimum SIP per unit is Rs 500
- Pre-established monthly, quarterly or personalized frequency SIPs.
- Digital SIP change / cancellation on the fly and without any documentation.
- Live SIP analytics and monitoring.
Other features of Navi include step-up SIPs which raise the amount of SIP annually in accordance with the rise in income.
People Also Ask
Does Navi mutual fund impose any penalty on missed SIPs?
There is no fines imposed on missed SIPs. Through the app, the investor is able to restart SIP at any time.
Will Navi Mutual Fund Returns be Reliable in 2025?
By 2025, the Navi Mutual Funds have been doing almost as well as their index funds. As they are managed passively, returns are almost consonant with the index, having subtracted their very small fund costs.
Evidence of this is in the case of Navi Nifty 50 Index Fund which over a period of three years has been tracking Nifty 50 with less than 0.1 percent tracking error. In the same way, their US Market FoF reflects the US Total Market index with lower global ETF expenditures.
Did You Know?
Passive funds such as those sold by Navi are predominantly viewed as less risky than actively managed funds due to a wide range of diversification and openness to holdings.
Taxation of investing in Navi Mutual Funds?
In India, as of 2025, taxation is the same as in a typical mutual fund.
- Equity funds: Income after a year is subject to tax of 10 percent on income over Rs 1 lakh.
- Debt funds: All gains are taxed according to slab according to the changes in the law of indexation in 2023.
- ELSS funds: Investment three year lock-in Section 80C tax benefit.
- In case they are paid as dividends, the investor would add them to his or her income and pay tax.
People Also Ask
Is I able to tax with the exemption of Navi ELSS Fund?
You are correct, Section 80C of the new tax regime applies to 80C of investments made with a ceiling of up to Rs 1.5 lakh in section 80C in Navi ELSS.
What steps do you have to follow to start investing with Navi Mutual Funds online?
The only thing you need to invest in Navi MF is a smartphone and an internet connection.
Steps to invest digitally
- Install the Navi application or access the web site.
- Full video or eKYC including PAN, Aadhaar, bank documentation.
- Select an investment choice and a fund.
- Establish SIP or lump sum payment.
- Monitor investments and download statements on an as-you-like basis.
Hindi and English support is offered in chat, email and helpdesk within the app.
Expert Insight
With eKYC, investors in India even in the smaller towns can now commence investments in mutual funds without stepping foot in a branch or completing paperwork.
What Customer Support and Security Does Navi Have to offer?
The app, email, and the toll-free numbers are also available to provide customer care in Hindi and English. Doubts, transactions, and fund information are assisted with automated chatbots and a relationship team.
Data encryption, two-factor authentication and privacy standards required by RBI are secured.
People Also Ask
Is my investment in Navi Mutual funds?
All Indian mutual funds such as Navi are regulated by SEBI and are invested in custodial banks, and not in the AMC.
Navi MF vs Other Digital Mutual Funds: Which is better you?
When it is compared to other emerging and traditional mutual fund platforms, the following may be noted:
Bonds Navi Mutual Funds Zerodha Coin Groww MF
| Bonds | Navi Mutual Funds | Zerodha Coin | Groww MF. |
|---|---|---|---|
| Minimum SIP amount | Rs 500 | Rs 100 | Rs 100 |
| Expense ratio (Index funds) | 0.06-0.13 percent | 0.21 percent | 0.18-0.31 |
| Number of direct schemes | 15+ | 2500+ | 3000+ |
| Onboarding time | 10 minutes | 15 minutes | 15 minutes |
| Own fund house? | Yes | No | No |
Note: Only its own schemes are provided by Navi MF, compared to third-party apps that distribute funds of all AMCs.
Did You Know?
Navi is one of the few fund houses in India based only on direct-to-consumer models, which makes the costs less.
TLDR or Quick Recap
- Navi Mutual Funds are low-cost digital first offerings of mutual funds regulated by SEBI and initiated by Sachin Bansal.
- They invest in index-based passive funds and offer paperless onboarding.
- They stand out with zero commission direct plans, extremely low costs and easy to use SIP tools.
- The tax and returns are according to the standard Indian MF.
- Most appropriate to low-end investors who are techno savvy and seek market-matching returns with the least amount of paperwork.
People Also Ask
Is Navi mutual fund reliable?
Yes, Navi MF is a SEBI approved asset management company and complies with all the regulations of Indian mutual funds. Your investments are stored by SEBI regulated trustees and custodians.
Is it possible to transition off of another mutual fund AMC to Navi?
Yes, you can sell your current MF investments and invest again in similar Navi funds via lump sum or systematic transfer options as you please according to your objectives.
Does Navi make any fee on account maintenance or redemptions?
No, direct plans of the Navi Mutual Fund have no account opening, annual maintenance or redemption fee.
What are the documents required to get started with Navi MF?
PAN, Aadhaar, active bank account, and active mobile number are all requirements needed to verify eKYC.
Is there any lock in periods between Navi funds?
ELSS funds only are required to be locked in over three years. Redemption can be done at any time at all other open-ended schemes.
Sources
- Navi Mutual Fund Official Web Site.
- AMFI India Mutual Fund Data
- SEBI regulations of mutual funds.
- LiveMint: India Low cost funds, 2025.
