{"id":9391,"date":"2025-03-17T08:49:46","date_gmt":"2025-03-17T08:49:46","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=9391"},"modified":"2026-04-14T12:35:32","modified_gmt":"2026-04-14T12:35:32","slug":"sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest\/","title":{"rendered":"Sakthi Finance Limited NCD IPO \u2013 March 2025, 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 ' ><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest\/#High_Yield_BBB_Stable_Rated_Minimum_Investment_10k_Only\" >High Yield\u00a0|\u00a0BBB \/Stable 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\/sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest\/#Bond_overview\" >Bond overview\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\/sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest\/#Coupon_rates_and_effective_yield_for_each_of_the_series\" >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-4\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sakthi-finance-limited-ncd-ipo-march-2025-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-5\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest\/#Investment_Process_for_Sakthi_Finance_Ltd_NCD_IPO\" >Investment Process for Sakthi Finance Ltd NCD IPO<\/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\/sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest\/#Financial_Overview\" >Financial Overview<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest\/#Snapshot_stating_the_Revenue_Expenses_PAT_In_crores\" >Snapshot stating the Revenue, Expenses, PAT (In crores)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest\/#Cash_flow_for_last_5_years_In_crores\" >Cash flow for last 5 years (In crores)<\/a><\/li><\/ul><\/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\/sakthi-finance-limited-ncd-ipo-march-2025-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-10\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sakthi-finance-limited-ncd-ipo-march-2025-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-11\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sakthi-finance-limited-ncd-ipo-march-2025-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-12\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest\/#Cons\" >Cons\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest\/#LiquidityPosition_Adequate\" >LiquidityPosition: Adequate<\/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-14\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sakthi-finance-limited-ncd-ipo-march-2025-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-15\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest\/#About_Sakthi_Finance_Limited\" >About Sakthi Finance Limited<\/a><\/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\/sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest\/#Strengths\" >Strengths<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest\/#Weakness\" >Weakness<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sakthi-finance-limited-ncd-ipo-march-2025-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_BBB_Stable_Rated_Minimum_Investment_10k_Only\"><\/span><strong>High Yield\u00a0|\u00a0BBB \/Stable Rated\u00a0|\u00a0Minimum Investment: 10k Only<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bond_overview\"><\/span><b>Bond overview\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Sakthi Finance Limited is issuing the Non-Convertible Debentures. These NCDs are BBB\/Stable rated by ICRA. The NCDs are being issued in seven series: coupon ranges from 9% to 10.25% p.a. and different tenures of 24 months, 36 months, 60 months and 85 months. The NCDs are secured and redeemable in nature.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-9392 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084051\/Screenshot-2025-03-17-140118.png\" alt=\"\" width=\"666\" height=\"795\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084051\/Screenshot-2025-03-17-140118.png 666w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084051\/Screenshot-2025-03-17-140118-251x300.png 251w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084051\/Screenshot-2025-03-17-140118-585x698.png 585w\" sizes=\"(max-width: 666px) 100vw, 666px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Coupon_rates_and_effective_yield_for_each_of_the_series\"><\/span><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-9393 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084113\/Picture3-1024x261.png\" alt=\"\" width=\"1024\" height=\"261\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084113\/Picture3-1024x261.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084113\/Picture3-300x76.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084113\/Picture3-768x196.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084113\/Picture3-1536x391.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084113\/Picture3-2048x522.png 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084113\/Picture3-1170x298.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084113\/Picture3-1920x489.png 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084113\/Picture3-585x149.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><img decoding=\"async\" class=\"size-large wp-image-9394 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084209\/Picture2-1-1024x692.png\" alt=\"\" width=\"1024\" height=\"692\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084209\/Picture2-1-1024x692.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084209\/Picture2-1-300x203.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084209\/Picture2-1-768x519.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084209\/Picture2-1-1536x1038.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084209\/Picture2-1-1170x791.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084209\/Picture2-1-585x395.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084209\/Picture2-1.png 1901w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Investment_Process_for_Sakthi_Finance_Ltd_NCD_IPO\"><\/span><b>Investment Process for Sakthi Finance Ltd 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 these easy steps.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-9201 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/12\/17112823\/Investment-flow.png\" alt=\"\" width=\"576\" height=\"218\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/12\/17112823\/Investment-flow.png 576w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/12\/17112823\/Investment-flow-300x114.png 300w\" sizes=\"(max-width: 576px) 100vw, 576px\" \/><\/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<h3><span class=\"ez-toc-section\" id=\"Snapshot_stating_the_Revenue_Expenses_PAT_In_crores\"><\/span><b>Snapshot stating the Revenue, Expenses, PAT (In crores)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img decoding=\"async\" class=\"size-large wp-image-9395 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084303\/e-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084303\/e-1024x579.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084303\/e-300x170.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084303\/e-768x434.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084303\/e-1536x868.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084303\/e-2048x1157.png 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084303\/e-1170x663.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084303\/e-1920x1085.png 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084303\/e-585x331.png 585w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cash_flow_for_last_5_years_In_crores\"><\/span><b>Cash flow for last 5 years (In crores)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img decoding=\"async\" class=\"size-full wp-image-9396 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084329\/Screenshot-2024-06-18-161402.png\" alt=\"\" width=\"820\" height=\"462\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084329\/Screenshot-2024-06-18-161402.png 820w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084329\/Screenshot-2024-06-18-161402-300x169.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084329\/Screenshot-2024-06-18-161402-768x433.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084329\/Screenshot-2024-06-18-161402-585x330.png 585w\" sizes=\"(max-width: 820px) 100vw, 820px\" \/><\/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<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-9397 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084352\/Table-1.jpg\" alt=\"\" width=\"901\" height=\"682\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084352\/Table-1.jpg 901w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084352\/Table-1-300x227.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084352\/Table-1-768x581.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/03\/17084352\/Table-1-585x443.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><strong>Pros\u00a0<\/strong><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 BBB rated security with a stable outlook, which falls under investment grade category.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The yield offered is upto 10.65% which is much higher than many traditional fixed-income investments like FDs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The company maintains a good Capital Adequacy Ratio, indicating that it has a sufficient capital buffer to absorb unexpected losses.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Cons\"><\/span><strong>Cons\u00a0<\/strong><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 NBFCs operations are primarily focused within a specific geographic region, with South India accounting for 95% of its activities.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Despite recent improvements, Sakthi Finance Limited&#8217;s profitability remains subdued with increasing operating costs.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"LiquidityPosition_Adequate\"><\/span><b>LiquidityPosition: Adequate<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><b>Healthy Liquidity Reserves<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Unencumbered <\/span><b>cash &amp; liquid investments: \u20b954.26 crore<\/b><span style=\"font-weight: 400;\"> as of <\/span><b>Sept 30, 2024<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Monthly collections of <\/span><b>\u20b960-65 crore<\/b><span style=\"font-weight: 400;\">, supporting liquidity.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">No negative cumulative mismatches in <\/span><b>Asset-Liability Maturity (ALM) Profile<\/b><span style=\"font-weight: 400;\"> over the next <\/span><b>12 months<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><b>Public Deposits &amp; Debt Obligations<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>\u20b9141 crore in public deposits as of Sept 2024<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Debt obligation of \u20b9137.4 crore<\/b><span style=\"font-weight: 400;\"> (Oct-Dec 2024), including <\/span><b>\u20b938.5 crore in sub-debt payments<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><b>Funding Diversification Needs<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Heavy reliance on <\/span><b>market borrowings (NCDs) &amp; retail deposits<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Required to increase lender diversification for <\/span><b>long-term growth sustainability<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<\/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_Sakthi_Finance_Limited\"><\/span><b>About Sakthi Finance Limited<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Sakthi Finance Limited\u00a0 is an Asset Finance Company within the <a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-can-one-diversify-their-portfolio-with-nbfc-bonds\/\">NBFC<\/a> sector, established in 1955 in Pollachi, Tamil Nadu. Sakthi Finance was started with the intent of catering to the hire purchase requirements of the TELCO dealerships of the Sakthi Group. The company now offers financing for purchasing assets like commercial vehicles, construction equipment, and machinery. Apart from that, the company also accepts deposits from the public and offers bonds and debentures at attractive rates to investors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The company has a strong presence in southern states like Kerala,Tamil Nadu and Andhra Pradesh\u00a0 accounting for more than 95% of the market share in these areas. More than 96% of the revenue comes from Interest Income and rest is covered through commission income and sale of power from windmills. Sakthi Finance and one of its group companies Sakthi Sugars both are listed on the Stock Exchange.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Strengths\"><\/span><b>Strengths<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Established Franchise &amp; Industry Presence<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Over <\/span><b>six decades<\/b><span style=\"font-weight: 400;\"> of experience in vehicle financing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Strong regional presence in <\/span><b>Tamil Nadu, Kerala, Andhra Pradesh, and Karnataka<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Specialization in used <\/span><b>commercial vehicle (CV) financing<\/b><span style=\"font-weight: 400;\">, leveraging expertise in this segment.<\/span><\/li>\n<\/ul>\n<p><b>Diversified Borrowing Profile &amp; Fundraising Ability<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Raised <\/span><b>\u20b9816 crore<\/b><span style=\"font-weight: 400;\"> via NCDs over six years, demonstrating strong market confidence.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Successfully issued <\/span><b>public and private NCDs<\/b><span style=\"font-weight: 400;\">, raising <\/span><b>\u20b9100 crore in Nov 2024<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Broad funding base: <\/span><b>Banks, financial institutions, deposits, and debenture markets<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p><b>Adequate Capitalization<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Capital Adequacy Ratio (CAR): 17.1%<\/b><span style=\"font-weight: 400;\"> as of <\/span><b>September 2024<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Gearing stood at <\/span><b>5.4x as of June 2024<\/b><span style=\"font-weight: 400;\">, improving from <\/span><b>6.1x in March 2024<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Plans to maintain gearing <\/span><b>below 6.0x<\/b><span style=\"font-weight: 400;\">, supported by capital infusion and better accruals.<\/span><\/li>\n<\/ul>\n<p><b>Improved Profitability Metrics<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Net Interest Margin (NIM): 6.9%<\/b><span style=\"font-weight: 400;\"> in <\/span><b>Q1 FY2025<\/b><span style=\"font-weight: 400;\">, up from <\/span><b>6.6% in FY2024<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Return on Assets (RoA): 1.2% in FY2024<\/b><span style=\"font-weight: 400;\">, improving from <\/span><b>1.0% in FY2023<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>PAT (Profit After Tax): \u20b915.7 crore in FY2024<\/b><span style=\"font-weight: 400;\">, up from <\/span><b>\u20b912.5 crore in FY2023<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Introducing new product offerings (e.g., <\/span><b>fuel loans, tyre loans, insurance funding<\/b><span style=\"font-weight: 400;\">) to drive margin expansion.<\/span><\/li>\n<\/ul>\n<p><b>Asset Quality Under Control<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Gross Stage 3 (GS3) assets at 5.1% in Sept 2024<\/b><span style=\"font-weight: 400;\">, down from <\/span><b>5.5% in June 2024<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Provision coverage at 49.7%<\/b><span style=\"font-weight: 400;\"> as of June 2024.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Strong collection efficiency, despite higher delinquencies due to <\/span><b>heatwaves and elections<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Weakness\"><\/span><b>Weakness<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Geographical Concentration Risk<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>95% of <a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-build-a-diversified-bond-portfolio\/\">portfolio<\/a><\/b><span style=\"font-weight: 400;\"> concentrated in <\/span><b>Tamil Nadu &amp; Kerala<\/b><span style=\"font-weight: 400;\">, limiting geographic diversification.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Limited branch expansion<\/b><span style=\"font-weight: 400;\"> plans, restricting future growth potential.<\/span><\/li>\n<\/ul>\n<p><b>High Leverage &amp; Funding Constraints<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gearing at <\/span><b>6.0x in Sept 2024<\/b><span style=\"font-weight: 400;\">, an increase from <\/span><b>5.4x in June 2024<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Heavily reliant on <\/span><b>NCD issuances<\/b><span style=\"font-weight: 400;\">, requiring <\/span><b>further diversification of funding mix<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p><b>Subdued Loan Portfolio Growth<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>CAGR of 3% (FY2020-FY2024)<\/b><span style=\"font-weight: 400;\">, relatively slow compared to industry growth rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan book declined 1% QoQ to \u20b91,236 crore in June 2024<\/b><span style=\"font-weight: 400;\">, due to lower disbursements.<\/span><\/li>\n<\/ul>\n<p><b>Profitability Challenges Due to Rising Costs<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Credit costs increased to 0.6% in Q1 FY2025<\/b><span style=\"font-weight: 400;\">, up from <\/span><b>0.4% in FY2024<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Operating costs rose to <\/span><b>4.8% in Q1 FY2025<\/b><span style=\"font-weight: 400;\">, from <\/span><b>4.4% in FY2023<\/b><span style=\"font-weight: 400;\">, impacting profitability.<\/span><\/li>\n<\/ul>\n<p><b>Regulatory &amp; Compliance Risk<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Previously non-compliant sub-debt (\u20b9209 crore as of Dec 2023)<\/b><span style=\"font-weight: 400;\">, requiring enhanced regulatory adherence.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Deposit-taking NBFC<\/b><span style=\"font-weight: 400;\">, requiring adherence to stricter RBI regulations.<\/span><\/li>\n<\/ul>\n<h1 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><\/h1>\n<p><span style=\"font-weight: 400;\"><strong>Source-<\/strong> Prospectus March 10 , 2025<\/span><\/p>\n<p><strong>Disclaimer &#8211; <\/strong><span style=\"font-weight: 400;\">The information is published as on date 17\/03\/2025 based on information available on Prospectus March 10,, 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<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>High Yield\u00a0|\u00a0BBB \/Stable Rated\u00a0|\u00a0Minimum Investment: 10k Only \u00a0 Bond overview\u00a0 Sakthi Finance Limited is issuing the Non-Convertible Debentures. These NCDs are BBB\/Stable&hellip;<\/p>\n","protected":false},"author":4,"featured_media":11869,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[113,239],"tags":[],"class_list":["post-9391","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ncd-ipo","category-sakthi-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Sakthi Finance Limited NCD IPO \u2013 March 2025, should you invest? - GoldenPi | Blogs<\/title>\n<meta name=\"description\" content=\"Sakthi Finance Limited NCD IPO \u2013 March 2025, 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\/sakthi-finance-limited-ncd-ipo-march-2025-should-you-invest\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sakthi Finance Limited NCD IPO \u2013 March 2025, should you invest? 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