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Security report for navi.com

Navi · Finance · India

Medium risk. 4 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

75/100

Risk levelMedium

0–100, higher is better. How it is calculated

Navi is a digital financial services platform based in India offering a range of products including UPI payments, loans (cash and home), mutual funds, digital gold investments, and health insurance. The website presents a professional and modern interface optimized for mobile users, leveraging React and Material-UI frameworks. The technical infrastructure includes Cloudflare DNS and common analytics tools such as Google Analytics and Microsoft Clarity. Security posture is good with HTTPS enabled and no exposed sensitive data, though improvements are needed in security headers and published policies. Privacy compliance is weak due to missing visible privacy and cookie policies. Overall, the site is trustworthy and well-positioned in the Indian fintech market but should enhance transparency and compliance documentation.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

4 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  3. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

Need hands-on remediation? Email guard@offseq.com

Keep watching navi.com

This scan found 18 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
75
Security headers
55
Email security
82
DNS health
85
Network security
100
GDPR outside view
53
Average
75

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Navi targets Indian consumers seeking accessible and affordable financial products through a digital-first approach. The company leverages a mobile app-centric business model to deliver services such as instant payments, loans, and investments. The market position is that of an emerging fintech player with a focus on simplicity and customer support. The website content and branding are consistent and professional, with trust signals including testimonials and 24/7 support. The domain age and registration details support business credibility. No direct partnerships or subsidiaries were identified from the domain data.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and Cloudflare DNS usage. However, the absence of security headers and lack of published security policies or incident response contacts indicate room for improvement. No vulnerabilities or exposed sensitive data were detected in the HTML content. The site lacks a vulnerability disclosure program or security.txt file, which could enhance security transparency. Privacy compliance is limited, with no GDPR or cookie consent mechanisms visible, posing potential regulatory risks.

Recommendations

  1. Publish a comprehensive privacy policy and cookie policy with GDPR compliance details.
  2. Implement a cookie consent mechanism to comply with privacy regulations.
  3. Add security headers such as Content-Security-Policy, X-Frame-Options, and HSTS.
  4. Create and publish a vulnerability disclosure policy or security.txt file.
  5. Provide clear incident response contact information including security@ or abuse@ emails.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Navi
Description
Navi is a digital app that provides simple, affordable, and accessible financial products and services including UPI payments, cash loans, home loans, mutual funds, digital gold investments, and health insurance.
Key services
UPI payments, Cash Loans, Home Loans, Mutual Funds, Digital Gold, Health Insurance
Content quality
good
Branding
consistent

Technology

Stack
React, Material-UI, Google Analytics, Google Tag Manager, Microsoft Clarity, Cloudflare DNS
Frameworks
React
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enabled
  • Use of Cloudflare DNS
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Microsoft Clarity
Tracking level
moderate
Privacy practices
poor

Advertising

Tracking pixels
Microsoft Clarity
Transparency
basic

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenge.
  2. No explicit privacy, cookie, or terms of service policies found in the provided HTML content.
  3. Strong focus on digital financial services for Indian consumers.
  4. Use of modern web technologies and analytics tools.
  5. No contact emails or phone numbers explicitly found in the provided content.
  6. No security.txt or vulnerability disclosure information found.
  7. No data protection officer contact or security incident response info found.
  8. Good mobile optimization and responsive design.
  9. No suspicious or malicious content detected.
Technical notes

Notes

The website uses a modern React-based frontend with Material-UI components, ensuring responsive and accessible design. Hosting and DNS are managed via Cloudflare, providing performance and security benefits. Analytics and tracking are implemented using Google Analytics, Google Tag Manager, and Microsoft Clarity, enabling user behavior insights. The site loads quickly and is optimized for mobile devices. However, the lack of DNSSEC and security headers indicates some technical debt in security hardening. SEO and metadata are well implemented with Open Graph tags and canonical links.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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