AKARA CAPITAL ADVISORS PRIVATE LIMITED

Investment Opportunity in Embassy Group Company

Earn up to 13.15% p.a.

Invest Now

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

Earn up to 11.25% p.a

Invest Now

Investment Opportunity in Embassy Group Company

Earn up to 13.15% p.a.

Invest Now

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

Earn up to 11.25% p.a

Invest Now

Investment Opportunity in Embassy Group Company

Earn up to 13.15% p.a.

Invest Now

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

Earn up to 11.25% p.a

Invest Now

Search for bonds, FD or IPO

Returns (YTM)

N/A

Min. Investment

N/A

Remaining Tenure

11M 20Days

Payment Terms

Monthly

Highlights

Credit Rating

ICRA BBB/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

Marque Investors: 100% owned by Singapore-based Morus Technologies (MTPL), backed by global investors like Blowfish Ventures, Tencent Group & others.

Granular salaried loan book: Small-ticket unsecured personal loans (avg. ~₹70,000) to salaried individuals, diversified across ~26 Lakh customers.

Diversified Funding profile: ECBs (44%), NCDs (36%), loans from NBFCs/FIs (8%), Banks (6%), PTCs(5%) and CP(1%).

Adequate capitalisation: Net worth improved to ₹693 Cr with gearing moderating to 1.7x as on March 31, 2025 (vs ₹593 Cr & 2.1x in FY24).

Stable Asset Quality: GNPA at 4.3% and NNPA at 1.5% as of FY25, broadly stable vs 4.0% and 1.8% in FY2024.

Tech-led origination: Loans sourced via the StashFin a tech platform, enabling granular small-ticket unsecured lending (avg. ticket ~₹70,000).

Company Financials

Revenue

PAT

Debt

Net Worth

Important disclaimer

Ratio Analysis

1.63

Net NPA

Good

Benchmark: Lower than 3%

31.18

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

1.7

Debt to Equity Ratio

Good

Benchmark: Maximum 12 times

0.44

Operating Cash Flow to Debt Ratio

Good

Benchmark: Higher the ratio better it is.

1.82

Interest Coverage Ratio

Risky

Benchmark: Minimum 2

Important disclaimer

About Issuer

AKARA Capital Advisors Private Limited is a non-deposit-taking Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India. The company leverages advanced analytics to redefine underwriting processes and has partnered with the financial technology platform Stashfin to provide tailored financial solutions accessible 24/7, catering to the unique needs of its borrowers. In a significant development, AKARA Capital became the first fintech NBFC to offer Non-Convertible Debentures (NCDs) at a face value of 10,000 on the Bombay Stock Exchange (BSE).

This initiative followed a regulatory amendment by the Securities and Exchange Board of India (SEBI) in July 2024, which lowered the minimum face value of debt securities from 1,00,000 to 10,000, thereby enhancing financial inclusion and accessibility for retail investors across the country. Through its innovative approach and strategic partnerships, AKARA Capital continues to play a pivotal role in democratizing financial services and investment opportunities in India.

Total Annual Revenue

Rs 806.93 Cr (FY 2024)

Year of Inception

2016

Industry

NBFC Corporate

Head Office

New Delhi

Type of Issuer

Corporate

Current MD/CEO

Mr. Tushar Aggarwal

Credit Rating / Outlook

BBB STABLE

ICRA

Rating Rationale

Rating Date: 09-Aug-2024

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

AKARA CAPITAL ADVISORS PRIVATE LIMITED

Security Name

10.01% AKARA CAPITAL ADVISORS PRIVATE LIMITED Secured Rated Listed NCD Maturity 22-Feb-2026

ISIN

Copy

INE08XP07258

Face Value

₹ 1,00,000

Coupon Rate

10.01%

Coupon Type

FIXED

Payment Terms

Monthly

Maturity Date

22-Feb-2026

Clean Price

₹ 96.36

Dirty Price

Current Yield

10.3881%

Yield to Maturity

15.0097%

Mode of Issue

Private Placement

Date of Issue

22-Aug-2024

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

Beacon Trusteeship Ltd

7A & B, Siddhivinayak Chambers, Gandhi Nagar, Opp MIG Cricket Club, Bandra East,Mumbai 400051

Registrar Details

Bigshare Services Pvt. Limited

E-2, Ansa Industrial Estate Saki Vihar Road, Sakinaka Andheri (East) Mumbai 400072

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: Bigshare Services Pvt. Limited E-2, Ansa Industrial Estate Saki Vihar Road, Sakinaka Andheri (East) Mumbai 400072

This bond is
currently out of stock

Download Cashflow

Similar Bonds

KEERTANA FINSERV PRIVATE LIMITED

Min Investment

₹ 9,835.56

Returns

Upto 13.63%

Payout

Monthly

Credit Rating

BBB+/IND

SPANDANA SPHOORTY FINANCIAL LIMITED

Min Investment

₹ 98,532.04

Returns

13.1%

Payout

Monthly

Credit Rating

BBB+/IND

KEERTANA FINSERV PRIVATE LIMITED

Min Investment

₹ 27,384.85

Returns

Upto 12.42%

Payout

Thrice-Yearly

Credit Rating

BBB+/IND

FINNABLE CREDIT PRIVATE LIMITED

Min Investment

₹ 1,00,450.43

Returns

12.34%

Payout

Monthly

Credit Rating

BBB+/CARE

NAMDEV FINVEST PRIVATE LIMITED

Min Investment

₹ 91,875.99

Returns

Upto 11.76%

Payout

Quarterly

Credit Rating

BBB+/CRISIL

FAQs about AKARA CAPITAL ADVISORS PRIVATE LIMITED bonds

How to buy this AKARA CAPITAL ADVISORS PRIVATE LIMITED bond online?

You can invest in bonds online in under 5 minutes. To buy AKARA CAPITAL ADVISORS PRIVATE LIMITED bond online follow the steps below:

Login/signup at GoldenPi
Upload your documents online to complete the KYC
Pay online via payment gateway and receive bond units in your demat account

What is the yield of this AKARA CAPITAL ADVISORS PRIVATE LIMITED bond?

undefined% is the current yield of this AKARA CAPITAL ADVISORS PRIVATE 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 AKARA CAPITAL ADVISORS PRIVATE LIMITED bond is undefined%, 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 AKARA CAPITAL ADVISORS PRIVATE LIMITED bond?

To redeem this AKARA CAPITAL ADVISORS PRIVATE 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 AKARA CAPITAL ADVISORS PRIVATE LIMITED bond is generally simple and straightforward. Contact our support team for more information.

Is this AKARA CAPITAL ADVISORS PRIVATE LIMITED bond tax-free?

No, this AKARA CAPITAL ADVISORS PRIVATE 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 AKARA CAPITAL ADVISORS PRIVATE LIMITED bond before the maturity date?

Yes, it is possible to sell this AKARA CAPITAL ADVISORS PRIVATE 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.

Note to Investors

GoldenPi Securities Pvt. Ltd. (“GSPL”) is a wholly owned subsidiary of GoldenPi Technologies Pvt. Ltd. (“GTPL”) and is a SEBI registered broker under BSE new debt segment allowing investors to trade in secondary bonds & debentures through exchange.

Investments in debt securities/municipal debt securities/securitized debt instruments are subject to risks including delay and/or default in payment. Read all the offer-related documents carefully.
Investors can update their email id and mobile number with their stock broker / depository participant and receive OTP directly from the depository on email id and/or mobile number to create a pledge. Investors can check their securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month.

The FAQs on the platform are exclusively for educational information/knowledge and do not influence the investment/sale decisions of any investors.As you are aware, under the rapidly evolving dynamics of financial markets, it is crucial for investors to remain updated and well-informed about various aspects of investing in securities market. In this connection, please find a link to the BSE Investor Protection Fund website where you will find some useful educative material in the form of text and videos, so as to become an informed investor. https://www.bseipf.com/investors_education.html
We believe that an educated investor is a protected investor !!!

The information shown on the website should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products/services of GSPL or any product/services of its third-party client(s). The user should act and rely on the information/data shown on the website only after understanding all associated risk parameters. Any action/decision taken by the user on the basis of the information shown on this website shall be the sole responsibility of the user. Neither GSPL nor its directors, employees, associates, representatives, or agents shall be liable for any damages whether direct, indirect, special, or consequential including lost revenue or lost profits that may arise to the user from or in connection with the use of the information/data shown on this website.

We understand that certain investment advisors may be approaching members of the public including our clients, representing that they are our partners, or representing that their investment advice is based on our research. Please note that we have not engaged any third parties to render any investment advisory services on our behalf nor are we providing any stock recommendations/tips/research report/advisory. Persons making investments on the basis of such advice may lose all or a part of their investments along with the fee paid to such unscrupulous persons. Please be cautious about any phone call that you may receive from persons representing to be such investment advisors, or a part of research firm offering advice on securities. Do not make payments through e-mail links, WhatsApp or SMS. Please do not share your personal or financial information with any person without proper verification. Always trade through a registered broker.

We collect, retain, and use your contact information for legitimate business purposes only, to contact you and to provide you information & latest updates regarding our products & services.

Fixed Deposits are offered in the capacity of a distributor and all disputes with respect to distribution activity, would not have access to exchange investor redressal forum or arbitration mechanism.

Attention Investors - Check your securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month. Issued in the interest of Investors

Filling complaints on SMARTODR & SCORES - Easy & Quick

a. Register on the portal | b. Mandatory details for register and filing complaints - Name, PAN, Address, Mobile Number, E-mail ID | c. Benefits: i. Effective Communication ii. Speedy redressal of the grievances | d. Complaints against the companies shall be subject to the SMARTODR/SCORES guidelines

GoldenPi Securities Pvt Ltd (“GSPL”) | SEBI Registration No.: INZ000310732 | BSE Member ID : 6809

Compliance Officer: Ekta Sheth, Tel. No.: 080-45685666, Email ID: grievance-gspl@goldenpi.com (for any compliance & grievance related complaints)

Directors: Abhijit Roy, Samir Baran Pratihar, Naveen Subbarao | Email: contact-us@goldenpi.com

Highlights

Company Financials

Ratio Analysis

About Issuer