Bengaluru, Karnataka, India | 25th November 2025: Navanc, poised to become India’s first AI-native banking and lending infrastructure company, has secured close to ₹6 crore in a Pre-Series A funding round led by GrowthCap Ventures, the operator-led early-stage VC fund founded by former BharatPe executive Pratekk Agarwaal. The round also drew participation from top banking and fintech leaders, including Navin Kukreja (Founder, Paisabazaar), Gaurav Aggarwal (former CXO, Paisabazaar), Prasanna Rao (Co-founder, Arya.ag), and a network of experienced angels from the Bay Area and the UAE.
AI Adoption Accelerates Across India’s Secured Lending Market
The investment comes at a time when India’s financial services sector is undergoing a major transformation driven by AI adoption in secured lending, risk assessment, and underwriting. With secured lending and Micro-LAP becoming top priorities for Banks, HFCs, and NBFCs, AI-led infrastructure is fast emerging as a non-negotiable requirement for compliant, scalable credit operations.
Navanc: AI-First Real Estate Credit & Property Intelligence Platform
Navanc offers an end-to-end real estate credit underwriting and intelligence platform built specifically for secured lending products such as Loan Against Property (LAP), home loans, and MSME credit. Its AI-enabled product suite—including VALLE, nLite, nAI, and nRERA—digitizes and standardizes property diligence, enabling lenders to accelerate loan origination, property revaluation, and portfolio monitoring with accuracy and compliance.
Built on an AI-first architecture, Navanc is redefining how financial institutions evaluate property-linked loans such as secured working capital loans, home loans, and LAP, helping lenders make faster and smarter credit decisions.
Vision: Building India’s First AI-Native Lending Infrastructure Ecosystem
With a long-term aim to build India’s most trusted AI-powered lending infrastructure, Navanc is going beyond traditional software to deliver intelligent, self-improving systems that enhance risk intelligence, decision-making, and customer experience across the lending value chain.
“India is entering a decisive decade where AI will become the backbone of credit infrastructure,” said Nagachethan SM, Co-Founder and CEO, Navanc.
“Our mission is to build the AI infrastructure layer that financial institutions can rely on across business, credit, and risk functions,” added Byom Kesh Jha, Co-Founder and CT&DO.
Navanc currently operates as a B2B platform and serves 30+ financial institutions, including Small Finance Banks (SFBs), NBFCs, and HFCs—underscoring the platform’s capability and relevance across India’s secured lending ecosystem.
GrowthCap Ventures Backs Navanc’s AI-Driven Transformation
GrowthCap Ventures, known for its operator-first approach, brings deep expertise in building financial infrastructure. Its leadership team has decades of experience in designing risk systems, underwriting processes, collections models, and credit technology stacks for India’s biggest financial institutions.
“Secured lending is undergoing a major reset, and AI-native infrastructure will drive the next wave of efficiency and compliance,” said Pratekk Agarwaal, Founder & General Partner, GrowthCap Ventures.
“Navanc is solving a problem we’ve seen firsthand as operators. Their AI-first property intelligence stack is on track to become the industry standard for Banks, HFCs, and NBFCs.”
Funding to Accelerate Product, AI Expansion & Market Growth
The newly raised capital will be used to:
- Scale AI capabilities and core product innovation
- Strengthen the engineering, AI, and GTM teams
- Deepen market penetration as demand surges in the secured credit segment
With this momentum, Navanc is positioning itself at the forefront of India’s AI-powered secured lending revolution.
