{"id":13838,"date":"2026-06-05T13:15:29","date_gmt":"2026-06-05T07:45:29","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=13838"},"modified":"2026-06-05T14:59:56","modified_gmt":"2026-06-05T09:29:56","slug":"edelweiss-financial-services-limited-ncd-ipo-3","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/edelweiss-financial-services-limited-ncd-ipo-3\/","title":{"rendered":"Edelweiss Financial Services Limited NCD IPO"},"content":{"rendered":"\n<p><strong>Summary: Edelweiss Financial Services <\/strong>launches a<strong> secured NCD public issue<\/strong> aggregating up to <strong>\u20b9300 crore<\/strong> (base \u20b9150 Cr + oversubscription \u20b9150 Cr) . These NCDs are rated A+\/Stable by Crisil. The NCDs are being issued in ten series: coupon ranges from 8.65% to 10.00% p.a. and different tenures of 24 months, 36 months, 60 months and 120 months.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/edelweiss-financial-services-limited-ncd-ipo-3\/#Edelweiss_Financial_Services_Limited_NCD_IPO_Issue_Overview\" >Edelweiss Financial Services Limited NCD IPO: Issue Overview<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/edelweiss-financial-services-limited-ncd-ipo-3\/#Edelweiss_Financial_Services_NCD_Coupon_rates_and_effective_yield\" >Edelweiss Financial Services NCD Coupon rates and effective yield<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/edelweiss-financial-services-limited-ncd-ipo-3\/#Understanding_the_Allocation_Ratio\" >Understanding the Allocation Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/edelweiss-financial-services-limited-ncd-ipo-3\/#How_to_Invest_in_Edelweiss_Financial_Services_NCD_IPO_via_GoldenPi\" >How to Invest in Edelweiss Financial Services NCD IPO via GoldenPi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/edelweiss-financial-services-limited-ncd-ipo-3\/#Financial_Overview_of_Edelweiss_Financial_Services\" >Financial Overview of Edelweiss Financial Services<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/edelweiss-financial-services-limited-ncd-ipo-3\/#Edelweiss_Financial_Services_Limited_June_2026_NCD_IPO_Issue_analysis\" >Edelweiss Financial Services Limited June 2026 NCD IPO Issue analysis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/edelweiss-financial-services-limited-ncd-ipo-3\/#Must_Check_To_get_better_returns_than_Bank_FDs_invest_in_NCD-IPOs_online\" >Must Check: To get better returns than Bank FDs, invest in NCD-IPOs online.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/edelweiss-financial-services-limited-ncd-ipo-3\/#About_Edelweiss_Financial_Services_Limited\" >About Edelweiss Financial Services Limited<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/edelweiss-financial-services-limited-ncd-ipo-3\/#Invest_Now_Invest_in_Bond_IPO_online_in_just_5_minutes\" >Invest Now: Invest in Bond IPO online in just 5 minutes<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Edelweiss_Financial_Services_Limited_NCD_IPO_Issue_Overview\"><\/span><strong>Edelweiss Financial Services Limited NCD IPO: Issue Overview<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Edelweiss Financial Services Limited is issuing Secured, Redeemable Non-Convertible Debentures (NCDs). This issue is a strategic opportunity for investors looking for fixed-income assets with a high degree of safety.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit Rating:<\/strong> A+\/Stable (CRISIL)\u00a0<\/li>\n\n\n\n<li><strong>Yield Range:<\/strong> 8.65% to 10.00% p.a.<\/li>\n\n\n\n<li><strong>Tenures:<\/strong> 24, 36, 60, and 120 months.<\/li>\n\n\n\n<li><strong>Nature:<\/strong> Secured and Redeemable.<\/li>\n\n\n\n<li><strong>High Yield\u00a0|\u00a0CRISIL A+\/Stable Rated | Minimum Investment: 10k Only<\/strong><\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"862\" height=\"1024\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115522\/Bond-Overview-1-862x1024.png\" alt=\"Edelweiss Financial Services NCD IPO\" class=\"wp-image-13842\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115522\/Bond-Overview-1-862x1024.png 862w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115522\/Bond-Overview-1-253x300.png 253w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115522\/Bond-Overview-1-768x912.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115522\/Bond-Overview-1-1294x1536.png 1294w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115522\/Bond-Overview-1.png 1484w\" sizes=\"(max-width: 862px) 100vw, 862px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Edelweiss_Financial_Services_NCD_Coupon_rates_and_effective_yield\"><\/span><strong>Edelweiss Financial Services NCD Coupon rates and effective yield<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The NCDs are being issued in ten different series to cater to different investor needs, ranging from short-term liquidity to long-term wealth compounding<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"521\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115631\/Issue-structure-1-1024x521.png\" alt=\"Edelweiss Financial Services NCD IPO\" class=\"wp-image-13843\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115631\/Issue-structure-1-1024x521.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115631\/Issue-structure-1-300x153.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115631\/Issue-structure-1-768x391.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115631\/Issue-structure-1.png 1038w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Understanding_the_Allocation_Ratio\"><\/span><strong>Understanding the Allocation Ratio<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"699\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115732\/Allocation-Ratio-1024x699.png\" alt=\"Edelweiss Financial Services NCD IPO\" class=\"wp-image-13844\" style=\"aspect-ratio:1.4649743213499633;width:567px;height:auto\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115732\/Allocation-Ratio-1024x699.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115732\/Allocation-Ratio-300x205.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115732\/Allocation-Ratio-768x524.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115732\/Allocation-Ratio-1536x1048.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115732\/Allocation-Ratio.png 2030w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Invest_in_Edelweiss_Financial_Services_NCD_IPO_via_GoldenPi\"><\/span><strong>How to Invest in Edelweiss Financial Services NCD IPO via GoldenPi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Investing in Bond IPOs is now seamless. Follow these easy steps:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Log in to <a href=\"https:\/\/goldenpi.com\/\">GoldenPi<\/a>.<\/li>\n\n\n\n<li>Look for the Search option and type Edelweiss Financial Services<\/li>\n\n\n\n<li>Select Edelweiss Financial Services NCD IPO\u00a0<\/li>\n\n\n\n<li>Choose your series and apply via UPI.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"371\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115912\/Investment-Process-1024x371.png\" alt=\"Edelweiss Financial Services NCD IPO\" class=\"wp-image-13845\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115912\/Investment-Process-1024x371.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115912\/Investment-Process-300x109.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115912\/Investment-Process-768x278.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115912\/Investment-Process-1536x556.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05115912\/Investment-Process-2048x741.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Financial_Overview_of_Edelweiss_Financial_Services\"><\/span><strong>Financial Overview of Edelweiss Financial Services<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A deep dive into the company\u2019s balance sheet reveals a consistent growth trajectory in Total Income, PAT and Net worth.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Snapshot stating Total Income, Expenses, Net Worth and PAT (In crores)<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"528\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05120350\/Financials-2-1024x528.png\" alt=\"Edelweiss Financial Services NCD IPO\" class=\"wp-image-13846\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05120350\/Financials-2-1024x528.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05120350\/Financials-2-300x155.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05120350\/Financials-2-768x396.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05120350\/Financials-2-1536x792.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05120350\/Financials-2-2048x1056.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cash flow for last few years (In crores)\u00a0\u00a0\u00a0<\/strong>\u00a0<\/h3>\n\n\n\n<p>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.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>*Cash flow from operating activities reflects the amount a company generates through its product of services.<br><\/li>\n\n\n\n<li>**Cash flow from investing activities reflects cash generated and spent relating to investing activities, like purchase of assets, sales of securities etc.<br><\/li>\n\n\n\n<li>***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.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"556\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05120542\/CashFlow-1024x556.png\" alt=\"Edelweiss Financial Services NCD IPO\" class=\"wp-image-13847\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05120542\/CashFlow-1024x556.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05120542\/CashFlow-300x163.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05120542\/CashFlow-768x417.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05120542\/CashFlow-1536x834.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05120542\/CashFlow.png 1841w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Edelweiss_Financial_Services_Limited_June_2026_NCD_IPO_Issue_analysis\"><\/span><strong>Edelweiss Financial Services Limited June 2026 NCD IPO Issue analysis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pros<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Strong Credit Rating:<\/strong> Rated CRISIL A+\/Stable\u00a0 indicating high degree of safety and low credit risk\u200b.<br><\/li>\n\n\n\n<li><strong>Secured NCDs:<\/strong> Senior, secured NCDs backed by clear charge on assets (loan and advances, receivables, investments, stock in trade, current &amp; other assets, immovable property \/ fixed assets) ensuring safety to investors<br><\/li>\n\n\n\n<li><strong>Security Cover: <\/strong>The security cover required must be a minimum of 100% of the total of the outstanding principal balance of the NCDs.<br><\/li>\n\n\n\n<li><strong>Competitive yields<\/strong>: up to 10.00% vs bank FDs (6.5 &#8211; 8%) and AAA corporate bonds.\u00a0<br><\/li>\n\n\n\n<li><strong>Wide tenor and payout frequencies: <\/strong>24\/36\/60\/120 Months and Monthly\/ Annual\/Cumulative interest payment payouts providing flexibility to investors.<br><\/li>\n\n\n\n<li><strong>BSE listed: <\/strong>Provides secondary market liquidity option.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cons<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest Rate Risk:<\/strong> More pronounced in longer tenors (60 and 120 months).<br><\/li>\n\n\n\n<li><strong>Pari Passu Charge (Shared Collateral):<\/strong> The pledged assets are shared with other creditors. In case of default, NCD <br>investors do not have exclusive rights over the security and must share recoveries with other lenders.\u00a0<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Must_Check_To_get_better_returns_than_Bank_FDs_invest_in_NCD-IPOs_online\"><\/span><strong>Must Check: <\/strong><a href=\"https:\/\/goldenpi.com\/bond-better-return-fds\"><strong>To get better returns than Bank FDs, invest in NCD-IPOs online.<\/strong><\/a><br><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"About_Edelweiss_Financial_Services_Limited\"><\/span><strong>About Edelweiss Financial Services Limited<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Edelweiss Financial Services Limited \u00a0is one of India&#8217;s leading financial services conglomerates, offering a robust platform to a diversified client base (1.35+ crore) across domestic (296) and global (3) geographies. <br><br>The company has mainly <strong><em>four business <\/em><\/strong>verticals namely <strong>Retail Credit<\/strong> (Mortgage &amp; MSME loans), <strong>Asset Management<\/strong> (Mutual Funds &amp; Alternate), <strong>Asset Reconstruction<\/strong> and <strong>Insurance services<\/strong> (General &amp; Life).<br><br> 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 \u20b910,500 Crores as of June 2026.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"465\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05121622\/About-EFSL-1024x465.png\" alt=\"Edelweiss Financial Services NCD IPO\" class=\"wp-image-13848\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05121622\/About-EFSL-1024x465.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05121622\/About-EFSL-300x136.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05121622\/About-EFSL-768x349.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/06\/05121622\/About-EFSL.png 1148w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Strengths<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Strong Edelweiss Brand and Pan-India distribution network:<\/strong> Edelweiss possesses a robust brand presence within the financial services sector, built upon a reputation for consistent execution and innovation. The company operates across India with a total of 296 offices nationwide.<br><\/li>\n\n\n\n<li><strong>Experienced management team:<\/strong> leadership is stable, characterized by extensive experience. Chairman &amp; MD, Rashesh Chandrakant Shah ( 35+ yrs in financial services), and Vice Chairman &amp; Director, Venkatchalam A Ramaswamy (35+ yrs in financial services). Senior Management also has substantial, long-tenured expertise in the BFSI industry.<br><\/li>\n\n\n\n<li><strong>Strong Institutional Backing: <\/strong>Promoters hold 32.3%, FIIs hold 19.2% and DIIs &amp; Non Institutions hold 47.9%. Marquee investors include TIAA CREF funds (3.6%), LIC (2.6%), Vanguard group (2.4%), Blackrock (1.3%), and Barclays (0.9%).<br><\/li>\n\n\n\n<li><strong>Strong funding partners and Network: <\/strong>JP Morgan, HSBC, Bill &amp; Melinda gates foundation, Bank of Baroda, TATA Trusts, HCL, WIPRO, ICICI Prudential and Zerodha<br><\/li>\n\n\n\n<li><strong>Diversified business model :<\/strong> Presence in Asset reconstruction (ARC), asset management (Alternate asset &amp; Mutual Funds), Credit (MSME &amp; Mortgages ), Insurance (Life &amp; General) \u2013 mitigates reliance on lending alone.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Adequately capitalised:<\/strong> Edelweiss group NBFCs &#8211; ECL Finance (29.86%), Nido Home Finance (28.80%), and Edelweiss ARC (80.03%) &#8211; are well-capitalized, with CRAR significantly above the RBI&#8217;s 15% minimum.<br><\/li>\n\n\n\n<li><strong>Stable asset quality:<\/strong> The Net-NPA for the three credit entities (ECL Finance, Nido Home Finance, Edelweiss Retail Finance Limited) remained controlled: 1.70% (FY25), 1.29% (FY24), and 1.36% (FY23).<br><\/li>\n\n\n\n<li><strong>Meaningful deleveraging over medium term: <\/strong>Net debt reduced materially from \u20b918,550 crore (Mar\u201922) to \u20b910,430 crore (Mar\u201925), reflecting balance sheet repair through recoveries, stake sales and fee-led earnings.<br><\/li>\n\n\n\n<li><strong>Asset management franchise has scaled steadily:<\/strong> Total<strong> <\/strong>AUM (Mutual fund &amp; Alternate Investment) increased by 14.7% YoY to\u00a0 \u20b92.31 Lakh crore (Mar &#8217;26) vs \u20b92.01 lakh crore (Mar \u201925) and \u20b91.82 lakh crore (Mar &#8217;24) ; supporting recurring fee income.<br><\/li>\n\n\n\n<li><strong>Significant reduction in wholesale lending risk: <\/strong>The wholesale loan book witnessed a sharp 76% decline, falling from \u20b97,200 crore (Mar \u201823) to \u20b91,750 crore by (Mar \u201826). This reduction of \u20b95,450 crore over three years has materially lowered risk levels compared to previous cycles.<br><\/li>\n\n\n\n<li><strong>Strong liquidity and positive ALM:<\/strong> Expected inflows of \u20b911,700 crore along with existing liquidity of \u20b9 6000 crore comfortably cover \u20b912,200 crore of outflows over next 1 year (Apr 26 to Mar 27) supported by positive ALM gaps across all tenors (\u22641 year: +\u20b91000 crore; 1-3 years: +\u20b9400 crore; 3+ years: +\u20b94,500 crore), indicating low refinancing risk.<br><br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Weaknesses<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Insurance businesses still drag consolidated returns: <\/strong>Life and general insurance arms remain loss-making, though losses have reduced versus prior years; breakeven expected only over the next 1-2 fiscals.<br><\/li>\n\n\n\n<li><strong>Slow growth in retail lending:<\/strong> Retail and MSME lending growth has been relatively muted.\u00a0<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Invest_Now_Invest_in_Bond_IPO_online_in_just_5_minutes\"><\/span><strong>Invest Now:<\/strong> <a href=\"https:\/\/goldenpi.com\/bond-ipo-online\"><strong>Invest in Bond IPO online in just 5 minutes<\/strong><\/a><br><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Source<\/strong> &#8211; <strong>Prospectus June 1, 2026<\/strong> &amp; <strong>Investor Presentation (Q4 FY26)<\/strong> for Edelweiss Financial Services Limited<\/p>\n\n\n\n<p><br><strong>Disclaimer &#8211;<\/strong> The information is published as on date 05\/06\/2026 based on information available on Prospectus June 1, 2026 and Investor Presentation (Q4 FY26) for Edelweiss Financial Services Limited. 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<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Summary: Edelweiss Financial Services launches a secured NCD public issue aggregating up to \u20b9300 crore (base \u20b9150 Cr + oversubscription \u20b9150 Cr)&hellip;<\/p>\n","protected":false},"author":12,"featured_media":13867,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[113,157],"tags":[],"class_list":["post-13838","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ncd-ipo","category-edelweiss"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Edelweiss Financial Services Limited NCD IPO - 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