{"id":9613,"date":"2025-07-10T10:09:29","date_gmt":"2025-07-10T10:09:29","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=9613"},"modified":"2026-02-25T08:47:15","modified_gmt":"2026-02-25T08:47:15","slug":"klm-axiva-finvest-limited-ncd-ipo-july-2025-should-you-invest","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/klm-axiva-finvest-limited-ncd-ipo-july-2025-should-you-invest\/","title":{"rendered":"KLM AXIVA FINVEST LIMITED NCD IPO- July 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\/klm-axiva-finvest-limited-ncd-ipo-july-2025-should-you-invest\/#High_Yield_ACUITE_BBBStable_Rated_Minimum_Investment_5k_Only\" >High Yield\u00a0|\u00a0ACUITE BBB\/Stable Rated\u00a0|\u00a0Minimum Investment: 5k 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\/klm-axiva-finvest-limited-ncd-ipo-july-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\/klm-axiva-finvest-limited-ncd-ipo-july-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\/klm-axiva-finvest-limited-ncd-ipo-july-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\/klm-axiva-finvest-limited-ncd-ipo-july-2025-should-you-invest\/#Investment_Process_for_KLM_Axiva_Finvest_NCD_IPO\" >Investment Process for KLM Axiva Finvest 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\/klm-axiva-finvest-limited-ncd-ipo-july-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-7\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/klm-axiva-finvest-limited-ncd-ipo-july-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-8\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/klm-axiva-finvest-limited-ncd-ipo-july-2025-should-you-invest\/#Cons\" >Cons<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/klm-axiva-finvest-limited-ncd-ipo-july-2025-should-you-invest\/#Liquidity_Position\" >Liquidity Position<\/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-10\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/klm-axiva-finvest-limited-ncd-ipo-july-2025-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-11\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/klm-axiva-finvest-limited-ncd-ipo-july-2025-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-12\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/klm-axiva-finvest-limited-ncd-ipo-july-2025-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-13\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/klm-axiva-finvest-limited-ncd-ipo-july-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-14\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/klm-axiva-finvest-limited-ncd-ipo-july-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\/klm-axiva-finvest-limited-ncd-ipo-july-2025-should-you-invest\/#About_KLM_Axiva_Finvest_Limited\" >About KLM Axiva Finvest Limited<\/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-16\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/klm-axiva-finvest-limited-ncd-ipo-july-2025-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-17\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/klm-axiva-finvest-limited-ncd-ipo-july-2025-should-you-invest\/#Weakness\" >Weakness<\/a><\/li><\/ul><\/li><\/ul><\/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\/klm-axiva-finvest-limited-ncd-ipo-july-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_ACUITE_BBBStable_Rated_Minimum_Investment_5k_Only\"><\/span><strong>High Yield\u00a0|\u00a0ACUITE BBB\/Stable Rated\u00a0|\u00a0Minimum Investment: 5k 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;\">KLM Axiva Finvest Limited is issuing the Non-Convertible Debentures. These NCDs are BBB rated with stable outlook by Acuite Ratings. The NCDs are being issued in ten series: coupon ranges from 9.5% to 11% p.a. and different tenures of 400 days, 16 months, 18 months, 2 years, 3 years, 5 years, and 79 months. The NCDs are secured and redeemable in nature.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-9614 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100338\/Screenshot-2025-07-10-150857.png\" alt=\"\" width=\"662\" height=\"787\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100338\/Screenshot-2025-07-10-150857.png 662w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100338\/Screenshot-2025-07-10-150857-252x300.png 252w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100338\/Screenshot-2025-07-10-150857-585x695.png 585w\" sizes=\"(max-width: 662px) 100vw, 662px\" \/><\/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-9615 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100542\/Picture1-1024x270.png\" alt=\"\" width=\"1024\" height=\"270\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100542\/Picture1-1024x270.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100542\/Picture1-300x79.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100542\/Picture1-768x203.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100542\/Picture1-1536x405.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100542\/Picture1-2048x541.png 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100542\/Picture1-1170x309.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100542\/Picture1-1920x507.png 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100542\/Picture1-585x154.png 585w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Allocation_Ratio\"><\/span><strong>Allocation Ratio<\/strong><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 KLM Axiva Finvest NCD-IPO.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-large wp-image-9616 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100605\/wed-1024x627.png\" alt=\"\" width=\"1024\" height=\"627\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100605\/wed-1024x627.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100605\/wed-300x184.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100605\/wed-768x471.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100605\/wed-1536x941.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100605\/wed-1170x717.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100605\/wed-585x358.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100605\/wed.png 1627w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Investment_Process_for_KLM_Axiva_Finvest_NCD_IPO\"><\/span><b>Investment Process for KLM Axiva Finvest 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<h2><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\" \/><\/h2>\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\"><b>High Yield Options<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Coupon rates range up to <\/span><b>11.5% p.a.<\/b><span style=\"font-weight: 400;\">, higher than most secured NCDs in the market \u2014 especially attractive in a falling interest rate environment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Secured NCDs<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> The instruments are secured by loan receivables, giving investors a <\/span><b>senior charge on underlying assets<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tenor Flexibility<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Investors can choose from multiple tenure options: <\/span><b>400 days, 18, 24, 36, 60, and 75 months<\/b><span style=\"font-weight: 400;\"> \u2014 suiting both short- and long-term income seekers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Listed on BSE<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Offers liquidity through market trading (though actual trading volume may be limited).<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Cons\"><\/span><strong>Cons<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lower Credit Rating<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Rated <\/span><b>\u2018Acuit\u00e9 BBB\/Stable\u2019<\/b><span style=\"font-weight: 400;\">, indicating moderate credit risk. This is investment grade, but lower compared to top-rated NBFCs .<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Limited Liquidity in Secondary Market<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Historical KLM NCDs have shown <\/span><b>low trading volumes<\/b><span style=\"font-weight: 400;\">, making premature exits harder.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Narrow Geographic &amp; Product Focus<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Heavy reliance on gold loan segment and southern India limits resilience to sectoral or regional disruptions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Smaller NBFC Size<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Investors may perceive <\/span><b>higher default or downgrade risk<\/b><span style=\"font-weight: 400;\"> due to lower institutional strength and scalability.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Liquidity_Position\"><\/span><b>Liquidity Position<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cash &amp; Bank Balances<\/b><span style=\"font-weight: 400;\"> stood at <\/span><b>\u20b947.65 crore<\/b><span style=\"font-weight: 400;\"> as of March 31, 2025 .<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Working Capital Facilities<\/b><span style=\"font-weight: 400;\">: Out of <\/span><b>\u20b9520 crore<\/b><span style=\"font-weight: 400;\"> sanctioned, average utilization remained at <\/span><b>60\u201365%<\/b><span style=\"font-weight: 400;\">, leaving a buffer for short-term obligations.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liquidity is <\/span><b>adequate<\/b><span style=\"font-weight: 400;\"> to cover <\/span><b>upcoming 6\u201312 months debt maturities<\/b><span style=\"font-weight: 400;\">, aided by steady monthly collections from gold loans.<\/span><\/li>\n<\/ul>\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-9617 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100723\/Picture2-1-1024x731.png\" alt=\"\" width=\"1024\" height=\"731\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100723\/Picture2-1-1024x731.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100723\/Picture2-1-300x214.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100723\/Picture2-1-768x549.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100723\/Picture2-1-1536x1097.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100723\/Picture2-1-2048x1463.png 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100723\/Picture2-1-1170x836.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100723\/Picture2-1-1920x1371.png 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100723\/Picture2-1-585x418.png 585w\" 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-9618 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100752\/Screenshot-2025-07-10-124450-1024x583.png\" alt=\"\" width=\"1024\" height=\"583\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100752\/Screenshot-2025-07-10-124450-1024x583.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100752\/Screenshot-2025-07-10-124450-300x171.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100752\/Screenshot-2025-07-10-124450-768x438.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100752\/Screenshot-2025-07-10-124450-1170x667.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100752\/Screenshot-2025-07-10-124450-585x333.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/10100752\/Screenshot-2025-07-10-124450.png 1246w\" 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<h2><span class=\"ez-toc-section\" id=\"Ratio_Analysis\"><\/span><b>Ratio Analysis<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2><img decoding=\"async\" class=\"size-full wp-image-9632 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/11070159\/Artboard-1.png\" alt=\"\" width=\"900\" height=\"691\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/11070159\/Artboard-1.png 900w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/11070159\/Artboard-1-300x230.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/11070159\/Artboard-1-768x590.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/11070159\/Artboard-1-585x449.png 585w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/h2>\n<p>&nbsp;<\/p>\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<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"About_KLM_Axiva_Finvest_Limited\"><\/span><b>About KLM Axiva Finvest Limited<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">KLM Axiva Finvest is a Kerala based non-deposit taking systemically important NBFC ( Middle Layer ) registered with RBI. Since Incorporation in 1997, the company has been serving Low and middle income individuals and businesses that have limited or no access to formal credit facilities and finance channels. KLM operates in four business verticals mainly- Gold loan and household jewelry loans, MSME Loans, Personal Loans and Microfinance Loans. Apart from that the company also provides Money transfer facility, Insurance and Forex related services to their customers. Mr Manoj Ravi is serving the position of Chief Executive Officer in the company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is a table below illustrating the % of\u00a0 interest income generated by the company across its business segments.<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><b>Business Verticals<\/b><\/td>\n<td><b>FY-2023<\/b><\/td>\n<td><b>FY-2024<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Gold Loans<\/b><\/td>\n<td><span style=\"font-weight: 400;\">64.60%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">69.81%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>MSME Loans<\/b><\/td>\n<td><span style=\"font-weight: 400;\">20.38%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">16.85%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Microfinance Loans<\/b><\/td>\n<td><span style=\"font-weight: 400;\">12.04%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">9.19%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Personal Loans<\/b><\/td>\n<td><span style=\"font-weight: 400;\">2.98%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.15%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Total<\/b><\/td>\n<td><span style=\"font-weight: 400;\">100%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">100%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">Approximately 70% of the business of the company is generated through Gold loans and household jewelry Loans.<\/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\"><b>Rapid AUM Growth<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> The company&#8217;s <\/span><b>Assets Under Management (AUM)<\/b><span style=\"font-weight: 400;\"> rose to <\/span><b>\u20b91,985 crore as of March 31, 2025<\/b><span style=\"font-weight: 400;\">, from \u20b91,670 crore in FY23, showing robust business expansion.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Strong Regional Presence<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> KLM operates <\/span><b>600+ branches across 5 states<\/b><span style=\"font-weight: 400;\">, enabling access to rural and semi-urban segments, especially in South India.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Improving Profitability<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Net profit increased to <\/span><b>\u20b922.38 crore in FY2025<\/b><span style=\"font-weight: 400;\">, up from \u20b914.42 crore in FY23 \u2014 a <\/span><b>55% growth<\/b><span style=\"font-weight: 400;\">, indicating improved operational efficiency .<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>High Capital Adequacy<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> CRAR stood at <\/span><b>17.71%<\/b><span style=\"font-weight: 400;\"> in FY2025, comfortably above the minimum regulatory requirement, providing a cushion for growth and risk coverage .<\/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\"><b>Concentration Risk<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Gold loans continue to dominate, forming <\/span><b>98% of the total loan book<\/b><span style=\"font-weight: 400;\">, limiting diversification across other asset classes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regional Risk Exposure<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> With 100% branch presence in South India, KLM is exposed to <\/span><b>geographic concentration risks<\/b><span style=\"font-weight: 400;\">, including region-specific regulatory, economic, or climatic risks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Moderate Asset Quality<\/b><b><br \/>\n<\/b> <b>Gross NPA ratio increased slightly to 1.88%<\/b><span style=\"font-weight: 400;\"> in FY25 (from 1.85% in FY23), requiring tighter credit oversight and provisioning.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Smaller NBFC by Scale<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Compared to large peers, KLM operates on a <\/span><b>modest scale<\/b><span style=\"font-weight: 400;\"> with moderate brand visibility outside its primary regions.<\/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 July 04, 2025<\/span><\/p>\n<p><strong>Disclaimer- <\/strong><span style=\"font-weight: 400;\">The information is published as on date 07\/10\/2025 based on information available on Prospectus July 04, 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","protected":false},"excerpt":{"rendered":"<p>High Yield\u00a0|\u00a0ACUITE BBB\/Stable Rated\u00a0|\u00a0Minimum Investment: 5k Only \u00a0 Bond overview\u00a0 KLM Axiva Finvest Limited is issuing the Non-Convertible Debentures. These NCDs are&hellip;<\/p>\n","protected":false},"author":4,"featured_media":12073,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[113,159],"tags":[],"class_list":["post-9613","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ncd-ipo","category-klm"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>KLM AXIVA FINVEST LIMITED NCD IPO- July 2025, should you invest? - GoldenPi | Blogs<\/title>\n<meta name=\"description\" content=\"KLM AXIVA FINVEST LIMITED NCD IPO- July 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\/klm-axiva-finvest-limited-ncd-ipo-july-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=\"KLM AXIVA FINVEST LIMITED NCD IPO- July 2025, should you invest? 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