KEERTANA FINSERV PRIVATE LIMITED

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INE0NES07139 is Out of Stock

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INE0NES07139 - Bond Details

Returns (YTM)

N/A

Min. Investment

N/A

Remaining Tenure

1Y 6M 14Days

Payment Terms

Monthly

Highlights

Credit Rating

IND BBB+/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

Comfortable Capitalisatin : As on Mar 31, 2026, Keertana’s net worth is INR 863Cr with comfortable CRAR of 24%.

Regular Equity Infusion by the Promoter : Promoters have demonstrated strong support and confidence in the company by regularly infusing equity ( INR 150Cr+ capital infusion in each of FY 23, FY 24 and FY 25). Promoters has recently infused INR 50Cr in Jul’25 and INR 105Cr in Nov’25.

Secured Gold Backed Lending : Loans backed by gold securities have been gradually increasing and account for 90%+ of the overall AUM as on Dec’25

Company Financials

PAT

AUM

Net Worth

Cash & Cash Eq.

Important disclaimer

Ratio Analysis

1.01

Net NPA

Good

Benchmark: Lower than 3%

2.06

Gross NPA

Good

Benchmark: Lower than 5%

23.9

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

3.9

Debt to Equity Ratio

Good

Benchmark: Lower than 6 times

Important disclaimer

About Issuer

Keretana Finserv is a Private Limited Company formerly called as Rajashree Tracoms. This NBFC got registered in 15th of November 2021. It is a new generation company focussed to be a Rural Financial Institution leveraging the technology to enable credit to customers by making it convenient, affordable and hassle free.

The Promoter Padmaraj Reddy has a 2 decades of experience in building Spandana Spoorthy Finance Limited and the team with collectively 100+ years of experience in building the businesses for small lending. They aim to meet the unmet credit requirements of emerging enterprise business. This segment is currently unserved or underservd by banks & NBFCs as well as they want to serve the low and middle income households.

They choose to serve in areas such as lending the micro enterprise with both unsecured and secured lending options, as well as Gold Loans. With a vision to be the go to financial institution to all those segments that are currently underserved with wide range of financial services and products to meet the clients requirement.

With over 100 and more branches in Telangana and Andhra Pradesh, their growth has been tremendous.

Total Annual Revenue

Rs 276.83 Cr (FY 2024)

Year of Inception

2021

Industry

NBFC Retail

Head Office

HYDERABAD

Type of Issuer

Corporate

Current MD/CEO

Mrs. Padmaja Reddy

Credit Rating / Outlook

BBB+ STABLE

IND

Rating Rationale

Rating Date: 01-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

KEERTANA FINSERV PRIVATE LIMITED

Security Name

11.4% KEERTANA FINSERV PRIVATE LIMITED Secured Rated Listed NCD Maturity 22-Apr-2027

ISIN

Copy

INE0NES07139

Face Value

₹ 1,00,000

Issued FV

₹ 1,00,000

Coupon Rate

11.4%

Coupon Type

FIXED

Payment Terms

Monthly

Maturity Date

22-Apr-2027

Clean Price

₹ 98.65

Dirty Price

Current Yield

11.5556%

Yield to Maturity

13.1508%

Mode of Issue

Private Placement

Date of Issue

22-Oct-2024

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

Axis Trustee Services Limited

The Ruby, 2nd Floor, SW, 29, Senapati Bapat Marg, Dadar West,Mumbai- 400028

Registrar Details

Link Intime India Private Limited,Mumbai

C-13, Pannalal Silk Mills Compound LBS Marg Bhandup (W) Mumbai 400078

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 121 to the registrar and debenture trustee of the bond to avoid the TDS deduction. Download Form

Registrar details: Link Intime India Private Limited,Mumbai C-13, Pannalal Silk Mills Compound LBS Marg Bhandup (W) Mumbai 400078

This bond is
currently out of stock

Download Cashflow

FAQs about KEERTANA FINSERV PRIVATE LIMITED bonds

How to buy this KEERTANA FINSERV PRIVATE LIMITED bond online?

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What is the yield of this KEERTANA FINSERV PRIVATE LIMITED bond?

undefined% is the current yield of this KEERTANA FINSERV 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 KEERTANA FINSERV 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 KEERTANA FINSERV PRIVATE LIMITED bond?

To redeem this KEERTANA FINSERV 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 KEERTANA FINSERV PRIVATE LIMITED bond is generally simple and straightforward. Contact our support team for more information.

Is this KEERTANA FINSERV PRIVATE LIMITED bond tax-free?

No, this KEERTANA FINSERV 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 KEERTANA FINSERV PRIVATE LIMITED bond before the maturity date?

Yes, it is possible to sell this KEERTANA FINSERV 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

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