{"id":6868,"date":"2023-11-30T12:09:13","date_gmt":"2023-11-30T12:09:13","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=6868"},"modified":"2026-02-25T13:28:00","modified_gmt":"2026-02-25T13:28:00","slug":"iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/","title":{"rendered":"IIFL SAMASTA FINANCE LIMITED NCD IPO \u2013 December 2023, should you invest?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 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\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#High_Yield_AA-Positive_Rated_Minimum_Investment_10k_Only\" >High Yield\u00a0|\u00a0AA-\/Positive Rated\u00a0|\u00a0Minimum Investment: 10k Only<\/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\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#IIFL_Samasta_Finance_Limited_NCD_IPO_Coupon_rates_and_effective_yield_for_each_of_the_series\" >IIFL Samasta Finance Limited NCD IPO: Coupon rates and effective yield for each of the series\u00a0<\/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\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#Allocation_Ratio\" >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\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#Investment_Process_for_IIFL_Samasta_Finance_Limited_NCD_IPO\" >Investment Process for IIFL Samasta Finance Limited NCD IPO<\/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\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#Financial_Overview\" >Financial Overview<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#Snapshot_stating_the_Revenue_Expenses_Net_Worth_and_PAT_In_crores\" >Snapshot stating the Revenue, Expenses, Net Worth and PAT (In crores)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#Cash_flow_for_last_few_years_In_crores\" >Cash flow for last few years (In crores)<\/a><\/li><\/ul><\/li><\/ul><\/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\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#Ratio_Analysis\" >Ratio Analysis<\/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\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#Issue_analysis\" >Issue analysis<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#Pros\" >Pros\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#Cons\" >Cons\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#To_get_better_returns_than_Bank_FDs_invest_in_NCD-IPOs_online\" >To get better returns than Bank FDs, invest in NCD-IPOs online.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#About_IIFL_Samasta_Finance_Limited\" >About IIFL Samasta Finance Limited\u00a0<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#Strengths\" >Strengths<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#Weakness\" >Weakness<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/#Invest_in_Bond_IPO_online_in_just_5_minutes\" >Invest in Bond IPO online in just 5 minutes<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"High_Yield_AA-Positive_Rated_Minimum_Investment_10k_Only\"><\/span><b>High Yield\u00a0|\u00a0AA-\/Positive Rated\u00a0|\u00a0Minimum Investment: 10k Only<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">IIFL Samasta Finance Limited is issuing the Non-Convertible Debentures. These NCDs are CRISIL AA-\/Positive and Acuite AA Stable rated. The NCDs are being issued in six series: coupon ranges from 9.21% to 10.5% p.a. and different tenures of 24 months, 36 months and 60 months. The NCDs are secured and redeemable in nature.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-6869 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120002\/Screenshot-2023-11-30-165431.png\" alt=\"\" width=\"585\" height=\"577\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120002\/Screenshot-2023-11-30-165431.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120002\/Screenshot-2023-11-30-165431-300x296.png 300w\" sizes=\"(max-width: 585px) 100vw, 585px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"IIFL_Samasta_Finance_Limited_NCD_IPO_Coupon_rates_and_effective_yield_for_each_of_the_series\"><\/span><b>IIFL Samasta Finance Limited NCD IPO: <\/b><b>Coupon rates and effective yield for each of the series\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"size-large wp-image-6870 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120239\/3-1024x342.png\" alt=\"\" width=\"1024\" height=\"342\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120239\/3-1024x342.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120239\/3-300x100.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120239\/3-768x257.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120239\/3-1536x513.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120239\/3-2048x684.png 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120239\/3-1170x391.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120239\/3-1920x641.png 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120239\/3-585x195.png 585w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Allocation_Ratio\"><\/span><b>Allocation Ratio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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.\u00a0 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 IIFL Samasta Finance Limited NCD-IPO.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-large wp-image-6871 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120308\/4-3-1024x708.png\" alt=\"\" width=\"1024\" height=\"708\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120308\/4-3-1024x708.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120308\/4-3-300x207.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120308\/4-3-768x531.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120308\/4-3-1536x1062.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120308\/4-3-1170x809.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120308\/4-3-585x404.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120308\/4-3.png 1881w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Investment_Process_for_IIFL_Samasta_Finance_Limited_NCD_IPO\"><\/span><b>Investment Process for <\/b><b>IIFL Samasta Finance Limited<\/b><b> NCD IPO<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You can invest in IPOs via GoldenPi in 3 easy steps.<\/span><\/p>\n<p><b>If the investment amount is\u00a0 less than &amp; up to 10 lakhs,<\/b><span style=\"font-weight: 400;\"> retail investors can apply for an IPO online.<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-6872 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120333\/12-768x384-1-1.jpg\" alt=\"\" width=\"768\" height=\"384\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120333\/12-768x384-1-1.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120333\/12-768x384-1-1-300x150.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120333\/12-768x384-1-1-585x293.jpg 585w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/p>\n<p><b>If the investment amount is more than 10 Lakhs. <\/b><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-6873 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120353\/11-768x384-1-1.jpg\" alt=\"\" width=\"768\" height=\"384\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120353\/11-768x384-1-1.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120353\/11-768x384-1-1-300x150.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120353\/11-768x384-1-1-585x293.jpg 585w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Financial_Overview\"><\/span><b>Financial Overview<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Snapshot_stating_the_Revenue_Expenses_Net_Worth_and_PAT_In_crores\"><\/span><b>Snapshot stating the Revenue, Expenses, Net Worth and PAT (In crores)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img decoding=\"async\" class=\"size-large wp-image-6874 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120412\/Picture2-1-1024x686.png\" alt=\"\" width=\"1024\" height=\"686\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120412\/Picture2-1-1024x686.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120412\/Picture2-1-300x201.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120412\/Picture2-1-768x514.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120412\/Picture2-1-1536x1029.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120412\/Picture2-1-2048x1372.png 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120412\/Picture2-1-1170x784.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120412\/Picture2-1-1920x1286.png 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120412\/Picture2-1-585x392.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120412\/Picture2-1-263x175.png 263w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Cash_flow_for_last_few_years_In_crores\"><\/span><b>Cash flow for last few years (In crores)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img decoding=\"async\" class=\"size-large wp-image-6876 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120612\/Copy-of-Cashflow-for-last-5-years-12-1-1024x564.png\" alt=\"\" width=\"1024\" height=\"564\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120612\/Copy-of-Cashflow-for-last-5-years-12-1-1024x564.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120612\/Copy-of-Cashflow-for-last-5-years-12-1-300x165.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120612\/Copy-of-Cashflow-for-last-5-years-12-1-768x423.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120612\/Copy-of-Cashflow-for-last-5-years-12-1-585x322.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120612\/Copy-of-Cashflow-for-last-5-years-12-1.png 1112w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">*Cash flow from operating activities reflects the amount a company generates through its product of services.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">**Cash flow from investing activities reflects cash generated and spent relating to investing activities, like purchase of assets, sales of securities etc.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b><span style=\"font-weight: 400;\">***Cash flow from financing activities gives an insight into the financial stability of a company to its investors. It reflects <\/span><span style=\"font-weight: 400;\">the net flows of cash that are used to fund the company.<\/span><\/b><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ratio_Analysis\"><\/span><b>Ratio Analysis<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"size-full wp-image-6877 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120636\/Table.jpg\" alt=\"\" width=\"901\" height=\"678\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120636\/Table.jpg 901w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120636\/Table-300x226.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120636\/Table-768x578.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/11\/30120636\/Table-585x440.jpg 585w\" sizes=\"(max-width: 901px) 100vw, 901px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Issue_analysis\"><\/span><b>Issue analysis<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Pros\"><\/span><b>Pros\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The NCD is AA- rated security with a positive outlook.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The coupon rate is between 9.21% to 10.50% which is much higher than FDs.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Cons\"><\/span><b>Cons\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Net NPA has been very close to the limit set by the authorities<\/span><\/li>\n<\/ul>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"To_get_better_returns_than_Bank_FDs_invest_in_NCD-IPOs_online\"><\/span><a href=\"https:\/\/goldenpi.com\/bond-better-return-fds\"><b>To get better returns than Bank FDs, invest in NCD-IPOs online.\u00a0<\/b><\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"About_IIFL_Samasta_Finance_Limited\"><\/span><b>About <\/b><b>IIFL Samasta Finance Limited\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">IIFL Samasta Finance Limited is a leading non-banking financial company (NBFC) in India, providing a diverse range of financial products and services to individuals and businesses in underserved and unserved regions. Founded in 2008, the company has a strong presence in rural and semi-urban areas, catering to the needs of financially excluded communities.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">IIFL Samasta Finance offers a variety of loan products, including microloans, microfinance, small business loans, mortgage loans, and agri loans. The company also provides other financial services, such as savings accounts, insurance, and wealth management.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Strengths\"><\/span><b>Strengths<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Robust business foundation: IIFL Samasta Finance Limited has established a strong business foundation with a diversified product portfolio and a well-established presence in underserved regions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Diversified asset portfolio: IIFL Samasta Finance boasts a diversified asset portfolio, catering to both retail and wholesale segments, contributing to risk mitigation and overall stability.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Effective risk management practices: IIFL Samasta Finance implements rigorous risk management practices, enabling it to maintain healthy asset quality and profitability.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Demonstrated growth trajectory: IIFL Samasta Finance has exhibited a steady growth trajectory, marked by consistent expansion in both assets and revenue.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Weakness\"><\/span><b>Weakness<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Heavy dependence on wholesale funding: IIFL Samasta Finance relies heavily on wholesale funding sources, which could increase its borrowing costs and expose it to interest rate fluctuations.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Concentration in rural and semi-urban areas: IIFL Samasta Finance has a significant exposure to rural and semi-urban areas, where economic conditions may be more volatile.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Limited experience in certain segments: IIFL Samasta Finance has limited experience in certain segments, such as infrastructure lending and microfinance, which could pose some challenges in managing credit risk.<\/span><\/li>\n<\/ul>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Invest_in_Bond_IPO_online_in_just_5_minutes\"><\/span><a href=\"https:\/\/goldenpi.com\/bond-ipo-online\"><b>Invest in Bond IPO online in just 5 minutes<\/b><\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Disclaimer: Investments in debt securities are subject to risks. Read all the offer related documents carefully.\u00a0<\/b><\/p>\n<div id=\"footable_parent_7832\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <div class=\"pcrstb-wrap\"><table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"7832\" data-filter-delay=\"1000\" aria-label=\"IPO Table - IIFL.csv\"            id=\"footable_7832\"\n           data-unique_identifier=\"ninja_table_unique_id_4133164282_7832\"\n           class=\" foo-table ninja_footable foo_table_7832 ninja_table_unique_id_4133164282_7832 ui table  nt_type_legacy_table selectable striped vertical_centered  footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                            <col class=\"ninja_column_3 \">\n                            <col class=\"ninja_column_4 \">\n                            <col class=\"ninja_column_5 \">\n                            <col class=\"ninja_column_6 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                                                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_details \">Details <\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_maximumyield \">Maximum yield<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_overallissuesize \">Overall Issue Size\t<\/th><th scope=\"col\"  class=\"ninja_column_3 ninja_clmn_nm_creditrating \">Credit Rating<\/th><th scope=\"col\"  class=\"ninja_column_4 ninja_clmn_nm_startdate \">Start Date<\/th><th scope=\"col\"  class=\"ninja_column_5 ninja_clmn_nm_closingdate \">Closing Date<\/th><th scope=\"col\"  class=\"ninja_column_6 ninja_clmn_nm_formoredetails \">For more details<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"134\" class=\"ninja_table_row_0 nt_row_id_134\">\n            <td>IIFL FINANCE LTD. NCD IPO \u2013 JUNE 2023<\/td><td>9%<\/td><td>300 cr<\/td><td>CRISIL AA Stable, ICRA AA Stable <\/td><td>June 9, 2023<\/td><td>June 22, 2023<\/td><td><a   class=\"nt_btn \" style=\"\" rel=\"\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-finance-ltd-ncd-ipo-june-2023-should-you-invest\/\">More Details <\/a><\/td>        <\/tr>\n            <tr data-row_id=\"130\" class=\"ninja_table_row_1 nt_row_id_130\">\n            <td>IIFL NCD IPO January 2023 <\/td><td>9%<\/td><td>1000 cr<\/td><td>ICRA, CRISIL AA (Stable)<\/td><td>January 6, 2023<\/td><td>January 18,2023<\/td><td><a   class=\"nt_btn \" style=\"\" rel=\"\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-finance-ltd-ipo-january-2023-should-you-invest\/\">More Details <\/a><\/td>        <\/tr>\n            <tr data-row_id=\"131\" class=\"ninja_table_row_2 nt_row_id_131\">\n            <td>IIFL NCD IPO December 2021<\/td><td>8.75%<\/td><td>100 cr<\/td><td>BWR, CRISIL AA <\/td><td>December 8, 2021<\/td><td>December 28, 2021<\/td><td><a   class=\"nt_btn \" style=\"\" rel=\"\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-home-loan-ncd-ipo-december-2021-should-you-invest\/\">More Details <\/a><\/td>        <\/tr>\n            <tr data-row_id=\"132\" class=\"ninja_table_row_3 nt_row_id_132\">\n            <td>IIFL NCD IPO September 2021<\/td><td>8.75%<\/td><td>1000 cr<\/td><td>CRISIL AA (Stable)<\/td><td>September 27, 2021<\/td><td>October 18, 2021<\/td><td><a   class=\"nt_btn \" style=\"\" rel=\"\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-finance-limited-ncd-ipo-should-you-invest\/\">More Details <\/a><\/td>        <\/tr>\n            <tr data-row_id=\"133\" class=\"ninja_table_row_4 nt_row_id_133\">\n            <td>IIFL NCD IPO July 2021<\/td><td>10.03%<\/td><td>100 cr<\/td><td>CRISIL AA<\/td><td>July 06, 2021<\/td><td>July 28, 2021<\/td><td><a   class=\"nt_btn \" style=\"\" rel=\"\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/ncd-ipo-iifl-home-loan-is-issuing-ncds-should-you-invest\/\">More Details <\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table><\/div>\n    \n    \n    \n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>High Yield\u00a0|\u00a0AA-\/Positive Rated\u00a0|\u00a0Minimum Investment: 10k Only \u00a0 IIFL Samasta Finance Limited is issuing the Non-Convertible Debentures. These NCDs are CRISIL AA-\/Positive and&hellip;<\/p>\n","protected":false},"author":4,"featured_media":12122,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[153],"tags":[],"class_list":["post-6868","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iifl"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>IIFL SAMASTA FINANCE LIMITED NCD IPO \u2013 December 2023, should you invest? - GoldenPi | Blogs<\/title>\n<meta name=\"description\" content=\"IIFL SAMASTA FINANCE LIMITED NCD IPO \u2013 December 2023, should you invest?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/iifl\/iifl-samasta-finance-limited-ncd-ipo-december-2023-should-you-invest\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IIFL SAMASTA FINANCE LIMITED NCD IPO \u2013 December 2023, should you invest? 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