Indiabulls Housing Finance Limited Coupon 9.15% | NBFC Housing Bond

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

Earn 11.27% p.a

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Returns (YTM)

N/A

Min. Investment

N/A

Remaining Tenure

2Y 8M 25Days

Payment Terms

Yearly

Highlights

Credit Rating

CARE AA-/STABLE

Seniority

SUBORDINATE

Security

Unsecured

Default History

Zero

High Collection Efficiency & Asset Quality: 99% collection efficiency across pools; zero 90+ dpd delinquencies ensuring portfolio stability.

Solid Capital & Liquidity Position: CAR improved to 34.0% (H1 FY25); ₹1,896 crore in cash reserves.

Strong Investor Confidence & Credit Ratings: [ICRA]AA (Stable) rating with 50-76% credit enhancement on securitized loans.

Expanding Market Reach & Strategic Partnerships: 200+ branches across major states, growing co-lending network with 10+ banks.

Experienced Management & Ownership Stability: Rebranded post Indiabulls Housing Finance exit, under new leadership since 2021.

Company Financials

Revenue

PAT

Debt

Net Worth

Important disclaimer

Ratio Analysis

1.1

Net NPA

Good

Benchmark: Lower than 3%

29.67

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

1.77

Operating Cash Flow to Equity Ratio

Good

Benchmark: Maximum 12 times

1.28

Interest Coverage Ratio

Risky

Benchmark: Minimum 2

Important disclaimer

About Issuer

Indiabulls Housing Finance Limited

Indiabulls Housing Finance Limited (IHFL) was founded in 2005. It is headquartered in New Delhi, India. It is the third-largest housing finance company regulated by National Housing Bank. IHFL is part of the Indiabulls group: IHFL leads 80% of the group turnover. The company has a balance sheet size of 0.96 trillion as of 30th September 2020. IHFL is operating via 220 branches in 110 cities in India. IHFL has made its presence in the United Kingdom and the United Arab Emirates. Mr. Gagan Banga is leading the IHFL team as Managing Director of the company.

A few of the awards won by IHFL are:

Ranked 20th among Indias Best Companies to Work For 2019:A study by Economic Times & Great Place to Work Institute
Best Social Media Brand in the BFSI sector (Financial Services): At the SAMMIE 2018

Total Annual Revenue

10,030 Cr (FY 21)

Year of Inception

2005

Industry

NBFC Housing

Head Office

New Delhi

Type of Issuer

Corporate

Current MD/CEO

Mr. Gagan Banga

Credit Rating / Outlook

AA NEGATIVE

CARE

AA+

BWR

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 AA credit rating are considered to have a high degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry very low credit risk.
Negative Outlook indicates a higher likelihood of a rating downgrade, signaling potential weaknesses or adverse events that could weaken the issuer's credit position.

Other Important Details & Disclosures

Issuer Name

Indiabulls Housing Finance Limited

Security Name

ISIN

Copy

INE148I08256

Face Value

₹ 1,000

Coupon Rate

9.15%

Coupon Type

FIXED

Payment Terms

Yearly

Maturity Date

26-Sep-2026

Clean Price

₹ 93.25

Dirty Price

Current Yield

Yield to Maturity

12.1453%

Mode of Issue

Public Placement

Date of Issue

26-Sep-2016

Listed

Yes

Instrument Type

Taxable

Security

Unsecured

Seniority

SUBORDINATE

Perpetual

Trustee Details

IDBI TRUSTEESHIP SERVICES LIMITED

Asian Building, Ground Floor, 17 R. Kamani Marg, Ballard Estate,Mumbai-400001,Maharashtra

Registrar Details

KFIN TECHNOLOGIES PRIVATE LIMITED

Plot No. 17-24, Vittal rao Nagar,Madhapur,Hyderabad 500 081

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: KFIN TECHNOLOGIES PRIVATE LIMITED Plot No. 17-24, Vittal rao Nagar,Madhapur,Hyderabad 500 081

This bond is
currently out of stock

Download Cashflow

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FAQs about Indiabulls Housing Finance Limited bonds

How to buy this Indiabulls Housing Finance Limited bond online?

You can invest in bonds online in under 5 minutes. To buy Indiabulls Housing Finance Limited bond online follow the steps below:

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What is the yield of this Indiabulls Housing Finance Limited bond?

12.1453% is the current yield of this Indiabulls Housing 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 Indiabulls Housing Finance Limited bond is 12.1453%, 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 Indiabulls Housing Finance Limited bond?

To redeem this Indiabulls Housing 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 Indiabulls Housing Finance Limited bond is generally simple and straightforward. Contact our support team for more information.

Is this Indiabulls Housing Finance Limited bond tax-free?

No, this Indiabulls Housing 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 Indiabulls Housing Finance Limited bond before the maturity date?

Yes, it is possible to sell this Indiabulls Housing 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

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Highlights

Company Financials

Ratio Analysis

About Issuer

Indiabulls Housing Finance Limited

Credit Rating / Outlook

Other Important Details & Disclosures

Taxation

How to buy this Indiabulls Housing Finance Limited bond online?

What is the yield of this Indiabulls Housing Finance Limited bond?

Is it safe to invest in bonds?

How to redeem this Indiabulls Housing Finance Limited bond?

Is this Indiabulls Housing Finance Limited bond tax-free?

Can I sell this Indiabulls Housing Finance Limited bond before the maturity date?

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