SMFG INDIA HOME FINANCE COMPANY LIMITED Coupon 7.63% | NBFC Housing Bond

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Returns (YTM)

8.05%

Min. Investment

₹ 10,45,433.41

Remaining Tenure

5Y 2M 4Days

Payment Terms

Yearly

Highlights

Credit Rating

CRISIL AAA/STABLE

Seniority

SUBORDINATE

Security

Unsecured TIER II

Default History

Zero

Strong AUM growth: AUM grew at ~30% CAGR over four years to ₹11,692 cr in FY25 (vs ₹4,191 cr in FY21) .

Profitability: PAT ↑ by 29% YoY to ₹120 cr in FY25 (vs ₹93 cr in FY24)

Healthy Capitalisation: Net worth ↑ to ~₹1,543 cr in Q1 FY26 (vs ₹1,533 cr FY25; ₹967 cr FY24), driven by +ve internal accruals.

Experienced Management :CEO Deepak Patkar (25+ yrs BFSI) & CBO Vishwas Shrungarpure (24+ yrs housing and mortgage finance)

Strong Liquidity : liquid assets of ₹1,009 cr (Mar-25), plus ₹869 cr inflows (Next 6 months), vs ₹911 cr (near term debt maturities).

Company Financials

Revenue

PAT

Debt

Net Worth

Important disclaimer

Ratio Analysis

Net NPA

Good

Benchmark: Lower than 3%

22.27

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

Debt to Equity Ratio

Good

Benchmark: Maximum 12 times

Important disclaimer

About Issuer

SMFG INDIA HOME FINANCE COMPANY LIMITED

SMFG India Home Finance Company Limited is a housing finance company dedicated to helping individuals buy, build, or renovate homes, as well as offering property loans for commercial purposes. Operating under the brand “Grihashakti,” it serves both salaried and self-employed borrowers across urban, semi-urban and rural markets. A wholly-owned subsidiary of SMFG India Credit Co. Ltd. and backed by the global Sumitomo Mitsui Financial Group (SMFG), the company emphasises accessible housing solutions and a nationwide presence.

Total Annual Revenue

1306 Cr (FY-2025)

Year of Inception

2010

Industry

NBFC Housing

Head Office

CHENNAI

Type of Issuer

Corporate

Current MD/CEO

Mr. Deepak Patkar

Credit Rating / Outlook

AAA STABLE

CRISIL

Rating Rationale

Rating Date: 04-Sep-2025

AAA STABLE

CARE

Rating Rationale

Rating Date: 24-Sep-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 AAA credit rating are considered to have the highest degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry lowest credit risk.
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

SMFG INDIA HOME FINANCE COMPANY LIMITED

Security Name

7.63% SMFG INDIA HOME FINANCE COMPANY LIMITED UnSecured Rated Listed NCD Maturity 1-Jan-2031

ISIN

Copy

INE213W08028

Face Value

₹ 10,00,000

Coupon Rate

7.63%

Coupon Type

FIXED

Payment Terms

Yearly

Maturity Date

1-Jan-2031

Clean Price

₹ 98.23

Dirty Price

₹ 104.54

Current Yield

7.7675%

Yield to Maturity

8.051%

Mode of Issue

Private Placement

Date of Issue

1-Jan-2021

Listed

Yes

Instrument Type

Taxable

Security

Unsecured

Seniority

SUBORDINATE

Perpetual

Tier level

Trustee Details

Catalyst Trusteeship Limited (Formerly GDA Trusteeship Limited)

GDA House, Plot No.85, Bhusari Colony (Right),Paud Road, Kothrud,Pune – 411038

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 15G/15H 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

Unit

Investment Amount

₹ 10,45,433.41

Total Returns

₹ 4,12,575.63

Total Receivable

₹ 14,58,009.04

Cashflow Timeline

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FAQs about SMFG INDIA HOME FINANCE COMPANY LIMITED bonds

How to buy this SMFG INDIA HOME FINANCE COMPANY LIMITED bond online?

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

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What is the yield of this SMFG INDIA HOME FINANCE COMPANY LIMITED bond?

8.051% is the current yield of this SMFG INDIA HOME FINANCE COMPANY 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 SMFG INDIA HOME FINANCE COMPANY LIMITED bond is 8.051%, 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 SMFG INDIA HOME FINANCE COMPANY LIMITED bond?

To redeem this SMFG INDIA HOME FINANCE COMPANY 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 SMFG INDIA HOME FINANCE COMPANY LIMITED bond is generally simple and straightforward. Contact our support team for more information.

Is this SMFG INDIA HOME FINANCE COMPANY LIMITED bond tax-free?

No, this SMFG INDIA HOME FINANCE COMPANY 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 SMFG INDIA HOME FINANCE COMPANY LIMITED bond before the maturity date?

Yes, it is possible to sell this SMFG INDIA HOME FINANCE COMPANY 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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Cashflow Timeline

Timeline	Total Receivable*	Net Receivable**
01 Jan , 2026	Interest ₹ 76,300	Interest ₹ 68,670
01 Jan , 2027	Interest ₹ 76,300	Interest ₹ 68,670
01 Jan , 2028	Interest ₹ 76,300	Interest ₹ 68,670
01 Jan , 2029	Interest ₹ 76,509.04	Interest ₹ 68,858.14
01 Jan , 2030	Interest ₹ 76,300	Interest ₹ 68,670
01 Jan , 2031	Interest ₹ 76,300 + ₹ 10,00,000 (100% of Principal)	Interest ₹ 68,670 + ₹ 10,00,000 (100% of Principal)

* The interest amount is paid as per total invested face value (₹ 1000000) and annual coupon rate of 7.63%.

** 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

SMFG INDIA HOME FINANCE COMPANY LIMITED

Credit Rating / Outlook

Other Important Details & Disclosures

Taxation

How to buy this SMFG INDIA HOME FINANCE COMPANY LIMITED bond online?

What is the yield of this SMFG INDIA HOME FINANCE COMPANY LIMITED bond?

Is it safe to invest in bonds?

How to redeem this SMFG INDIA HOME FINANCE COMPANY LIMITED bond?

Is this SMFG INDIA HOME FINANCE COMPANY LIMITED bond tax-free?

Can I sell this SMFG INDIA HOME FINANCE COMPANY LIMITED bond before the maturity date?

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Cashflow Timeline