The near-infrared reflective film has, on a base material, a high refractive layer containing a water-soluble polymer and a metal oxide particle having a refractive index higher than the refractive index of the water-soluble polymer, and a low refractive layer containing a water-soluble polymer and a metal oxide particle having a refractive index lower than the refractive index of the water-soluble polymer are alternately laminated individually in two or more layers. The total number of the layers of the high refractive layer and the low refractive layer is n. The total film thickness of the component layers from the region of n/2 to the base material is Σd1, and the total film thickness of the component layers from the region of n/2 to the outermost layer is Σd2. The film thickness ratio Σd1/Σd2 is from 1.05 to 1.80.