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IIFL SAMASTA FINANCE LIMITED
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IIFL SAMASTA FINANCE LIMITED
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Returns (YTM)

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N/A

Min. investment

Min. Investment

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N/A

Remaining Tenure

Remaining Tenure

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4Y 9M 6Days

Payment term

Payment Terms

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Monthly

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Highlights

Credit Rating

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CRISIL AA-

Credit Rating

Seniority

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SENIOR

Seniority

Security

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Secured

Security

Default History

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Zero

Default History
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Strong Credit Enhancement: Total credit enhancement of ~6.5x the estimated pool losses (4.25%), including 6% cash collateral (Rs. 4.37 crore) and 10% principal subordination.

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Granular Loan Pool: 18,925 contracts with no single loan exceeding 0.01% of the pool principal, minimizing concentration risk.

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Zero Overdues: Pool filtered to exclude overdue contracts, ensuring 100% current repayment status at cutoff.

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Seasoned Portfolio: Pool amortized by 19% with no delinquencies post-disbursement, reflecting borrower reliability.

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Experienced Originator: IIFL Samasta has 17+ years of microfinance operations and a Rs. 11,556 crore portfolio (as of Dec 2024).

Company Financials

Revenue

PAT

Debt

Net Worth

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Important disclaimer

Ratio Analysis

23.99
Capital Adequacy Ratio
Good
Benchmark: Minimum 14%
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4.82
Operating Cash Flow to Equity Ratio
Good
Benchmark: Maximum 12 times
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1.56
Interest Coverage Ratio
Risky
Benchmark: Minimum 2
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Important disclaimer

About Issuer

Credit Rating / Outlook

Other Important Details & Disclosures

Taxation

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This bond is
currently out of stock

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