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High Yield | A+/Stable | Minimum Investment: 10k Only
Edelweiss Financial Services Limited is issuing the Non-Convertible Debentures. These NCDs are A+/Stable rated by CRISIL. The NCDs are being issued in ten series: coupon ranges from 9% to 10.25% p.a. and different tenures of 24 months, 36 months, 60 months and 120 months . The NCDs are secured and redeemable in nature.
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Edelweiss Financial Services Limited NCD IPO: Coupon rates and effective yield for each of the series
Allocation Ratio
The allocation ratio is prepared based on norms laid down by SEBI. Before announcing the allocation ratio, the same has to be approved by SEBI. Once the IPO subscription closes, applications will be divided into different categories. The category-wise allocation ratio is always decided and declared during the launch of the particular IPO. Considering the Allocation Ratio, units will be assigned to applicants. Refer to the chart to know the application ratio for Edelweiss Financial Services Limited NCD-IPO.
Investment Process for Edelweiss Financial Services Limited NCD IPO
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Financial Overview
Snapshot stating the Revenue, Expenses, Net Worth and PAT (In crores)
Cash flow for last few years (In crores)
Cash flow refers to the movement of cash in and out of the business at a specific point in time. It represents the net balance of the cash movement.
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- *Cash flow from operating activities reflects the amount a company generates through its product of services.
- **Cash flow from investing activities reflects cash generated and spent relating to investing activities, like purchase of assets, sales of securities etc.
- ***Cash flow from financing activities gives an insight into the financial stability of a company to its investors. It reflects the net flows of cash that are used to fund the company.
Ratio Analysis
Issue analysis
Pros
- Attractive Yield: Coupon of 10.00% p.a. on secured, redeemable NCDs with annual payout and 60-month tenor.
- Secured Instrument: Backed by receivables and structured protection, reducing credit risk.
- Credit Rating: CRISIL reaffirmed A+/Stable for the tranche, indicating adequate safety of timely servicing of obligations.
- Diversification Play: Investment into a large, diversified financial services group with presence in credit, insurance, asset reconstruction, and asset management.
Cons
- Profitability Pressure: Core profitability revival has been slower than expected; high monitorable loan portfolio adds risk.
- Leverage Levels: Gearing increased to 3.2x as of June 30, 2025 from 2.9x in FY24.
- Volatility in Net Worth: Net worth declined to ₹5,774 crore in June 2025 from ₹8,581 crore in FY23 due to markdowns and dividend distribution.
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About Edelweiss Financial Services Limited
Edelweiss Financial Services Limited is one of India’s leading financial services conglomerates, offering a robust platform to a diversified client base across domestic and global geographies. The company has mainly four business verticals namely Retail Credit, Asset Management, Asset Reconstruction and Insurance services. Apart from that the company has also been providing Merchant Banking services since 1995. Edelweiss Financial Services Limited is listed on the stock exchange having a market capitalization of more than 6,000 Crores as of July,2024.
Strengths:
- Strong rating support: Tranche assigned Crisil A+/Stable, reaffirmed on existing debt.
- Good capital track record: Raised ~₹6,000 crore since 2016, supporting resilience amid industry stress.
- Business diversification: Presence in ARCs, asset management, credit, insurance – mitigates reliance on lending alone.
- Adequate capital buffer: Net worth ₹5,918 crore as of Mar 2025 (down from ₹6,309 crore in Mar 2024) but still sizable base.
Weaknesses:
- Profit revival lagging: Core profit recovery has been slower than anticipated.
- High unprovided stress book: A significant portion of the “monitorable portfolio” remains unprovided.
- Declining net worth: Drop to ₹5,774 crore as of June 30, 2025 after dividend distributions and mark-downs.
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Source- Prospectus September 18, 2025
Disclaimer- The information is published as on date 24/09/2025 based on information available on Prospectus September 18 , 2025. The information 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
