Head coach Zinedine Zidane had suggested Bale could have recovered from a calf problem in time to face his old club but he trained alone on Monday at Valdebebas.
Navas, who has missed Madrid's last three games with an abductor problem, is also still a major doubt for the match at Wembley.
Both trained indoors on Monday, away from the rest of the team that played in Catalonia.
With Dani Carvajal and Mateo Kovacic also sidelined, Zidane is facing a selection headache for the meeting with Mauricio Pochettino's side.
Madrid and Spurs are level on seven points each in Champions League Group H and a win for either side will guarantee their place in the last 16.