Vivriti Capital Limited

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Returns

10.15%

9.88%

Min. Investment

₹ 30,241.98

Remaining Tenure

2Y 11M 25Days

Payment Terms

Monthly

Highlights

Credit Rating

CRISIL A+

Seniority

SENIOR

Security

Secured

Default History

Zero

Issue Size

₹200 Cr

Strong Capitalization: The group has cumulatively raised ~INR 1,399 Cr in equity since inception supported by Healthy net worth of ~INR 2,432 Cr, comfortable 21% CAR.

Scale and Operations: Vivriti’s AUM grew at a robust 44% 5-year CAGR to ~INR 11,851 Cr, with FY26 EBITDA of ~INR 1,218 Cr and PAT of ~INR 264 Cr, up from ~INR 220 Cr in FY25.

Marquee Investors: LGT Group, Creation Investment LLC and TVS Capital funds.

Company Financials

PAT

AUM

Net Worth

Cash & Cash Eq.

Important disclaimer

About Issuer

Vivriti Capital Limited (“Vivriti”) originally incorporated in 1998 is an CRISIL A+ rated company.

Vivriti offers institutional loans, supply chain financing, co-lending-based retail loans, and has recently entered leasing and factoring. Institutional lending contributes 54% of the portfolio, while retail lending and supply chain financing increased significantly to 46% as of March 2026.

Vivriti’s AUM grew at a robust 44% 5-year CAGR to ~INR 11,851 Cr, supported by a rising net worth of ~INR 2,432 Cr as of March 2026.

Total Annual Revenue

---

Year of Inception

2017

Industry

NBFC Retail

Head Office

CHENNAI

Type of Issuer

Corporate

Current MD/CEO

Mr. Vineet Sukumar

Credit Rating / Outlook

A+

CRISIL

Rating Rationale

Rating Date: 16-Jul-2026

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 A credit rating are considered to have an adequate degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry low credit risk.

Other Important Details & Disclosures

Issuer Name

Vivriti Capital Limited

Security Name

9.8% Vivriti Capital Limited Secured Rated Listed NCD Maturity 10-Oct-2029

ISIN

Copy

INE0P1407091

Face Value

₹ 10,000

Issued FV

₹ 10,000

Coupon Rate

9.8%

Coupon Type

FIXED

Payment Terms

Monthly

Maturity Date

10-Oct-2029

Clean Price

₹ 100.22

Dirty Price

₹ 100.81

Current Yield

9.7789%

Yield to Maturity

10.15%

Mode of Issue

Private Placement

Date of Issue

29-Sep-2026

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

Beacon Trusteeship Limited

5W, 5th Floor, The Metropolitan, Bandra Kurla Complex, Bandra (East), Mumbai - 400051, Maharashtra, India

Registrar Details

Integrated Registry Management Services Private Limited

2nd Floor, Kences Towers, No. 1 Ramakrishna Street, North Usman Road, T. Nagar, Chennai - 600017, Tamil Nadu, India

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: Integrated Registry Management Services Private Limited 2nd Floor, Kences Towers, No. 1 Ramakrishna Street, North Usman Road, T. Nagar, Chennai - 600017, Tamil Nadu, India

Units

Investment Amount

₹ 30,241.98

Total Returns

₹ 8,666.63

Total Receivable

₹ 38,908.6

Cashflow Timeline

Similar Bonds

FAQs about Vivriti bonds

How to buy this Vivriti bond online?

You can invest in bonds online in under 5 minutes. To buy Vivriti 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 Vivriti bond?

10.15% is the current yield of this Vivriti 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 Vivriti bond is 10.15%, 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 Vivriti bond?

To redeem this Vivriti 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 Vivriti bond is generally simple and straightforward. Contact our support team for more information.

Is this Vivriti bond tax-free?

No, this Vivriti 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 Vivriti bond before the maturity date?

Yes, it is possible to sell this Vivriti 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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Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities, municipal debt securities/securitised debt instruments are subject to credit risks, market risks and default risks including delay and/or default in payment. Read all the offer related documents carefully.
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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

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Risk Disclosure & Regulatory Information

Fixed returns do not mean guaranteed or assured returns. Investments in corporate debt securities, municipal debt securities, and securitised debt instruments carry credit risk, market risk, and default risk, including delay or default in payment. Please read all offer-related documents carefully before you invest.

The online bond platform goldenpi.com is owned by GoldenPi Securities Pvt Ltd (GSPL), an OBPP and debt broker registered with SEBI. GSPL is a wholly owned subsidiary of GoldenPi Technologies Pvt Ltd (GTPL).

SEBI Registration No.: INZ000310732 | BSE Member ID: 6809 | NSE Member ID: 90331

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

Key Managerial Personnel:
Abhijit Roy - Designated Director & CEO, Samir Baran Pratihar - Designated Director & CTO
Tel. No.: 080-45685666 | Email: contact-us@goldenpi.com

Cashflow Timeline

Timeline

Total Receivable*

Net Receivable**

2026

₹ 579.94

₹ 521.95

	10 Nov	Interest ₹ 338.3	Interest ₹ 304.47
	10 Dec	Interest ₹ 241.64	Interest ₹ 217.48

2027

₹ 2,940

₹ 2,646

2028

₹ 2,940.68

₹ 2,646.62

2029

₹ 32,447.98

₹ 32,203.18

* The interest amount is paid as per total invested face value (₹ 30000) and annual coupon rate of 9.8%.

** 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.