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INDEL MONEY LIMITED
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Closes on* tooltip

28-Oct-2025

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Returns Upto*

12.25%

IPO Min investment

Min Investment

10,000

Credit Rating

Credit Rating

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A-/STABLE IVR

Select Series

Select
Series
Returns
Tenure
Payout
Coupon
Series VIII tooltip
12.25%
72 months
Cumulative
N/A
Series VII tooltip
11.84%
60 months
Monthly
11.25%
Series V tooltip
10.74%
36 months
Monthly
10.25%
Series VI tooltip
10.25%
36 months
Cumulative
N/A
Series III tooltip
10.2%
24 months
Monthly
9.75%
Series IV tooltip
9.75%
24 months
Cumulative
N/A
Series I tooltip
9.38%
366 days
Monthly
9%
Series II tooltip
9%
366 days
Cumulative
N/A
Thumbs Up

Strong AUM Growth: Assets Under Management (AUM) grew by ~35% YoY to ₹1,850 Cr (FY24) driven by gold loan expansion.

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Healthy Profitability: Net Profit Margin sustained at ~12-14% (FY24) due to high-yield gold loan portfolio.

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Stable Asset Quality: Gross NPA at ~1.8% (FY24), lower than industry average for gold loan NBFCs.

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Experienced Management: Promoter group has over two decades of experience in gold loan financing.

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Company Financials

Revenue

PAT

Debt

Net Worth

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Important disclaimer

Ratio Analysis

22.6
Capital Adequacy Ratio
Good
Benchmark: Minimum 14%
cashflow-arrow
4.53
Operating Cash Flow to Equity Ratio
Good
Benchmark: Maximum 12 times
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-0.07
Operating Cash Flow to Debt Ratio
Risky
Benchmark: Higher the ratio better it is.
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1.34
Interest Coverage Ratio
Risky
Benchmark: Minimum 2
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Important disclaimer

Compare with FD
Bank Deposit
6.80% *
Bond
12.25%
10 Lac Invested could earn  2,72,500 more in 5 years

About Issuer

Credit Rating / Outlook

Other Important Details & Disclosures

Taxation

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Series
Units
Series VIII tooltip

12.25%

|

Cumulative

|

72 months

MinusPlus
10,000
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INDEL MONEY LIMITED - Previous Issues

Name
Rating
Returns upto
Opened On
Closed On
Allotment Date
More Info
INDEL MONEY LIMITED - Nov 4
BBB+ CRISIL
12%
21-Oct-2024
04-Nov-2024
8-Nov-2024
-