High Yield | Crisil A+/Stable | Minimum Investment: 10k Only
Bond overview
Edelweiss Financial Services Limited is issuing the Non-Convertible Debentures. These NCDs are Crisil A+/Stable. The NCDs are being issued in ten series: coupon ranges from 8.85% to 10.10% p.a. and different tenures of 24 months, 36 months, 60 months and 120 months. The NCDs are secured and redeemable in nature.
Edelweiss Financial Services Limited
Coupon rates and effective yield for each of the series
Allocation Ratio
The Allocation Ratio for an IPO is determined according to SEBI regulations and requires SEBI approval before its announcement. Following the closure of the IPO subscription, applications are categorized. The specific category-wise Allocation Ratio is established and declared when the IPO is launched. Units are then assigned to applicants based on this ratio. For the Edelweiss Financial Services Limited NCD-IPO, please refer to the provided chart for the application ratio.
Investment Process for Edelweiss Financial Services Limited NCD IPO
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Financial Overview (in millions)
Snapshot stating the Net Worth, PAT, Total Income
Cash Flow (in millions)
Cash flow is the net movement of cash both into and out of a business over a specific period. This movement is typically categorized into three main activities:
- Cash Flow from Operating Activities: This indicates the cash a company generates directly from its core business operations, such as selling products or services.
- Cash Flow from Investing Activities: This reflects the cash generated or spent on investments, including the purchase or sale of long-term assets (like property, plant, and equipment) and the buying or selling of securities.
- Cash Flow from Financing Activities: This provides insight into a company’s financial structure and stability for investors, showing the net cash flows used to fund the business, such as issuing debt, paying dividends, or raising equity.
Ratio Analysis
Issue analysis
Pros:
- The ratings of the company is ICRA A/Stable ensuring more safe investments.
- The yield offered is up to 10.25% which is much higher than many traditional fixed-income investments like FDs.
- Profit After Tax increased steadily from ₹405.56 (2023) to ₹528.05 (2024) and further to ₹535.82 (2025). This indicates improving profitability and stronger operational performance over the last three years.
Cons:
- The company is prone to regulatory risk associated with SEBI and other regulators as well.
- A slight rise in the Debt-Equity ratio indicates that the company is gradually relying more on borrowings, which may require closer monitoring if the trend continues.
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About Edelweiss Financial Services Limited
Edelweiss Financial Services Limited is a diversified financial services group in India, offering a wide range of solutions across retail lending, asset management, distressed asset recovery, and insurance. It serves a broad customer base that includes individuals, small and medium enterprises, and corporate clients in both urban and rural regions. The company delivers products such as home loans, business and SME financing, mutual funds, alternative investment options, and life and general insurance. Its operations are supported by a network of 293 branches across 136 cities.
Strength:
- Diversified operations across credit, franchise advisory, and insurance provide multiple revenue streams.
- Strong credit rating support with Crisil A+/Stable outlook reflects adequate capacity for financial obligations.
- PAT showed a steady rise from ₹405.56 million (2023) to ₹528.05 million (2024) and ₹535.82 million (2025), indicating a gradual improvement in profitability despite volatility in other areas.
- Total income remained consistently high in FY 2024 and FY 2025 at ₹96,015.75 million and ₹95,187.14 million, reflecting stable business operations and sustained revenue momentum.
- Debt-to-equity ratio increased only slightly from 0.54 to 0.56, showing the company is maintaining a balanced capital structure without overleveraging.
Weakness:
- Edelweiss Financial Services operates with a relatively elevated net debt-to-equity position compared to peers, and the rising interest expenses highlight the need for continued focus on debt optimisation to support long-term profitability.
- Interest coverage ratio fell sharply from 2.58 to 0.84, indicating reduced ability to comfortably service interest obligations and rising financial stress.
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Source: Prospectus November 27, 2025
Disclaimer- The information is published as on date 05/12/2025. It may be subject to change in case of change in terms of prospectus or any other reason as the case maybe. Contents which are exclusively for educational information/knowledge sharing on capital market concepts and has no influence the investment/sale decisions of any investors
