IFL FINANCE LIMITED

Investment Opportunity in Embassy Group Company

Earn up to 13.04% p.a.

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Invest in Gold Loan Backed Bonds from Muthoottu Mini Financiers Ltd.

Earn up to 11.10% p.a

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Investment Opportunity in Embassy Group Company

Earn up to 13.04% p.a.

Invest Now

Invest in Gold Loan Backed Bonds from Muthoottu Mini Financiers Ltd.

Earn up to 11.10% p.a

Invest Now

Investment Opportunity in Embassy Group Company

Earn up to 13.04% p.a.

Invest Now

Invest in Gold Loan Backed Bonds from Muthoottu Mini Financiers Ltd.

Earn up to 11.10% p.a

Invest Now

Search for bonds, FD or IPO

Returns (YTM)

12.49%

Min. Investment

₹ 30,053.53

Remaining Tenure

1Y 10M 10Days

Payment Terms

Monthly

Highlights

Credit Rating

CRISIL BBB/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

Improving focus on gold loans: IFL is realigning its portfolio, ↑ gold loans to ~73% of the loan book by Sept’25 (from ~63% in Mar’25) while gradually reducing home loans (~26% vs 35%) and LAP (~1%).

Reputed Debt Partnership: 35 lenders; PSU Bank (SBI), Private Banks (ICICI, Federal, Bandhan, AU SFB) & FIs (Tata Capital, Chola Finance)

Demonstrated AUM growth: AUM ↑ to ₹399 crore as of Sept’25 from ₹332 crore as of Mar’25 (₹279 crore as of Mar '24), driven by scaling up of the gold loan portfolio.

Adequate capitalisation: Tangible net worth ↑ to ₹170 Cr. in Sept ‘25 (vs ₹159 Cr. in Mar ‘25) with CRAR of 54.1% in Sept’25 (vs 65.8% in Mar ’25) adequate for the current scale of operations.

Improving Profitability: PAT ↑ by 50% to ₹18.1 Cr. (FY25) vs ₹12.1 Cr. (FY24) supported by healthy NIMs ( 14.31% in FY25 vs 14.15% in FY24), improved operating efficiency.

Improving Asset Quality: Net-NPA - 0.46% (FY25), 0.78% (FY24) & 1.01 (FY23).

Company Financials

Revenue

PAT

Debt

Net Worth

Important disclaimer

Ratio Analysis

0.46

Net NPA

Good

Benchmark: Lower than 3%

65.77

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

1.18

Debt to Equity Ratio

Good

Benchmark: Maximum 12 times

Important disclaimer

About Issuer

IFL Finance Limited is a non-banking financial company (NBFC) registered with the Reserve Bank of India, specialising in gold-loan solutions that are fast, secure, and transparent. It serves customers through 70+ branches across five states/union territories, catering to customers who need quick access to credit using gold as collateral. The company’s offerings are built to simplify borrowing with minimal documentation, flexible repayment, and high loan-to-value ratios under RBI norms. With 30,000+ active customers and a growing team, IFL Finance combines technology and customer focus to make gold-backed credit more accessible and responsive to financial needs.

Total Annual Revenue

71.37 Cr (FY - 2025)

Year of Inception

2015

Industry

NBFC Corporate

Head Office

NEW DELHI

Type of Issuer

Corporate

Current MD/CEO

Mr. CA Gopal Bansal

Credit Rating / Outlook

BBB STABLE

CRISIL

Rating Rationale

Rating Date: 19-Dec-2025

Credit rating by different rating agencies indicates the bond issuer’s ability to repay its debt obligations. A bond can be rated by one or more SEBI registered credit rating agencies e.g. CRISIL, CARE, ICRA, IND, BWR, ACUITE, INFOMERICS.
Bonds/NCDs with BBB credit rating are considered to have a moderate to low degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry moderate to high credit risk, hence it is suitable for investors with high risk tolerance.
Stable Outlook suggests that the rating is unlikely to change significantly in the near to medium term, indicating a stable credit profile of the issuer.

Other Important Details & Disclosures

Issuer Name

IFL FINANCE LIMITED

Security Name

12.25% IFL FINANCE LIMITED Secured Rated Listed NCD Maturity 16-Jan-2028

ISIN

Copy

INE01XO07025

Face Value

₹ 10,000

Issued FV

₹ 10,000

Coupon Rate

12.25%

Coupon Type

FIXED

Payment Terms

Monthly

Maturity Date

16-Jan-2028

Clean Price

₹ 100.38

Dirty Price

₹ 100.18

Current Yield

12.2037%

Yield to Maturity

12.4928%

Mode of Issue

Private Placement

Date of Issue

16-Jan-2026

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

Catalyst Trusteeship Limited

901,9th Floor, Tower- B, Peninsula Business Park,Senapati Bapat Marg, Lower Parel (W), Mumbai - 400013

Registrar Details

Skyline Financial Services Private Limited

D-153A, 1st Floor, Okhla Industrial Area Phase - 1, New Delhi - 110020

Looking For More Information ?

Download Prospectus

Taxation

10%

TDS on Interest Income*

*Given TDS is indicative and fully claimable while filing ITR. The interest income from this bond will be taxable and will appear in the additional source of income in your ITR. Please consult your tax advisor for precise taxation details
As a listed bond, it is subject to capital gains tax based on the holding period. A holding period of less than 1 year qualifies as short-term, while more than 1 year qualifies as long-term.
You can submit your Form 15G/15H to the registrar and debenture trustee of the bond to avoid the TDS deduction. Download Form

Registrar details: Skyline Financial Services Private Limited D-153A, 1st Floor, Okhla Industrial Area Phase - 1, New Delhi - 110020

Units

Investment Amount

₹ 30,053.53

Total Returns

₹ 3,477.99

Total Receivable

₹ 33,531.52

Cashflow Timeline

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FAQs about IFL FINANCE LIMITED bonds

How to buy this IFL FINANCE LIMITED bond online?

You can invest in bonds online in under 5 minutes. To buy IFL FINANCE LIMITED bond online follow the steps below:

Login/signup at GoldenPi
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Pay online via payment gateway and receive bond units in your demat account

What is the yield of this IFL FINANCE LIMITED bond?

12.4928% is the current yield of this IFL FINANCE LIMITED bond. A bond’s current yield indicates the annual return based on its current market price and annual coupon payment.
In addition to current yield, the yield to maturity (YTM) of this IFL FINANCE LIMITED bond is 12.4928%, which indicates the total expected return if the bond is held till the maturity date. It is calculated using the XIRR method considering current price, face value, coupon payments, and time to maturity.

Is it safe to invest in bonds?

Investing in bonds is relatively a safer option but it depends on factors like:

The creditworthiness of the issuer indicated by the credit rating
The debt quality of the bond indicated by its seniority and security
Your investment goals and risk appetite

If you are an existing bond investor and want to sell your bond holdings before maturity, you can do so through the secondary market. This can be done either through exchanges such as BSE or NSE, or you can also request a quote from your relationship manager at GoldenPi.

How to redeem this IFL FINANCE LIMITED bond?

To redeem this IFL FINANCE LIMITED bond, bond, kindly first check its redemption value and redemption schedule. This can be found by downloading the cash flow from the “Calculate Your Returns” section of this page or by contacting the support team at GoldenPi.
Once you buy this bond, the units would be reflected in your demat account.
Upon maturity, the bond units held in your demat account will be automatically debited on the maturity date, and if the maturity date falls on a bank holiday, the redemption amount will be paid out on the next working day.
The funds will be credited to the bank account linked to your demat account. The process of redeeming this IFL FINANCE LIMITED bond is generally simple and straightforward. Contact our support team for more information.

Is this IFL FINANCE LIMITED bond tax-free?

No, this IFL FINANCE LIMITED bond is not tax free. The interest income received from these bonds will be treated as “income from other sources” in the ITR and the tax will be calculated as per your income tax slab.

To know more about taxation in detail please read this article: https://goldenpi.com/blogessentials/bond-market/taxation-on-gains-from-bond-investments/

Can I sell this IFL FINANCE LIMITED bond before the maturity date?

Yes, it is possible to sell this IFL FINANCE LIMITED bond before maturity. However, as the sale process happens in the secondary market, the price can be determined by a variety of factors, including interest rates, credit ratings, company performance, and market demand.

To know more about the sale process, contact us at https://goldenpi.com/contact-us

Need Help?

Talk to our Support Team for free. We will help you through your investment journey.

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Cashflow Timeline

Timeline

Total Receivable*

Net Receivable**

2026

₹ 13,442.41

₹ 13,223.17

16 Apr (Part Maturity)	Interest ₹ 312.12 + ₹ 3,750 (12.5% of Principal)	Interest ₹ 280.91 + ₹ 3,750 (12.5% of Principal)
16 May	Interest ₹ 264.3	Interest ₹ 237.87
16 Jun	Interest ₹ 273.11	Interest ₹ 245.8
16 Jul (Part Maturity)	Interest ₹ 264.3 + ₹ 3,750 (12.5% of Principal)	Interest ₹ 237.87 + ₹ 3,750 (12.5% of Principal)
16 Aug	Interest ₹ 234.09	Interest ₹ 210.68
16 Sep	Interest ₹ 234.09	Interest ₹ 210.68
16 Oct (Part Maturity)	Interest ₹ 226.54 + ₹ 3,750 (12.5% of Principal)	Interest ₹ 203.89 + ₹ 3,750 (12.5% of Principal)
16 Nov	Interest ₹ 195.08	Interest ₹ 175.57
16 Dec	Interest ₹ 188.78	Interest ₹ 169.91

2027

₹ 16,300.09

₹ 16,170.08

2028

₹ 3,789.02

₹ 3,785.11

* The interest amount is paid as per total invested face value (₹ 30000) and annual coupon rate of 12.25%. When the bond enters the staggered maturity cycle, it will be calculated based on the outstanding face value.

** The net interest receivable is after 10% TDS for Indian Residents. However for NRI 30% TDS is deducted. The deducted TDS can be claimed while filing ITR.

Highlights

Company Financials

Ratio Analysis

About Issuer