IIFL SAMASTA

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Returns (YTM)

Upto 10.65%

Min. Investment

₹ 99,005.77

Tenure

9M - 27M

Payment Terms

Quarterly

Highlights

Credit Rating

CRISIL AA-/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

Issue Size

100 CR

Backed by Marquee PE investors– Fairfax, Capital group, HSBC Mf, and Vanguard.

Strong Management Team: Samasta brings 17+ years of microfinance experience, supported by a senior team with 160+ years in lending and financial services.

Comfortable Capitalisation: CRAR of 32.28% (well above the RBIs 15% minimum requirement)

Strong Liquidity: Cash and bank balances stood at ₹1,317 cr (Mar 2025), representing ~14% of total assets of ₹9,225 cr, indicating strong liquidity.

Company Financials

PAT

AUM

Net Worth

Cash & Cash Eq.

Important disclaimer

Ratio Analysis

1.46

Net NPA

Good

Benchmark: Lower than 3%

4.7

Gross NPA

Good

Benchmark: Lower than 5%

32.38

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

Important disclaimer

About Issuer

IIFL Samasta Finance Limited (“IIFL”) was Incorporated in 2008 is a Crisil AA- rated. It is a systematically important non deposit taking NBFC registered with RBI.

IIFL is Founded by Managing Director Mr. Venkatesh N., a seasoned financial services professional. IIFL group is supported by marquee private equity investors, including, Fairfax, Capital group, HSBC Mf, and Vanguard.

It offers microfinance loans to women via Joint liability group model. Part of IIFL Finance, a listed company on both NSE and BSE (AUM ?78,000+ cr), it operates in 22 states with 1,600+ branches, serving 27 lakh customers.

Total Annual Revenue

Rs. 1,956Cr (FY - 2025)

Year of Inception

2008

Industry

NBFC Retail

Head Office

BANGALORE

Type of Issuer

Corporate

Current MD/CEO

Mr. VENKATESH N

Credit Rating / Outlook

AA- STABLE

CRISIL

Rating Rationale

Rating Date: 10-Jun-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 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.
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

IIFL SAMASTA

Security Name

9.65% IIFL SAMASTA Secured Rated Listed NCD Maturity 12-Sep-2028

ISIN

Copy

INE413U07434

Face Value

₹ 1,00,000

Issued FV

₹ 1,00,000

Coupon Rate

9.65%

Coupon Type

FIXED

Payment Terms

Quarterly

Maturity Date

12-Sep-2028

Clean Price

₹ 98.82

Dirty Price

₹ 99.77

Current Yield

9.7652%

Yield to Maturity

10.646%

Mode of Issue

Private Placement

Date of Issue

12-Sep-2025

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

Vardhaman Trusteeship Private Limited

The Capital, A Wing, 412A, Bandra Kurla Complex, Bandra (East), Mumbai-400051

Registrar Details

MUFG Intime India Private Limited (formerly known as Link Intime Pvt Ltd.)

C 101, 247 Park, LBS Marg, Vikhroli West,Mumbai 400083

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: MUFG Intime India Private Limited (formerly known as Link Intime Pvt Ltd.) C 101, 247 Park, LBS Marg, Vikhroli West,Mumbai 400083

Unit

Select Tenure

Invest in this tenure with Early Sell option.

Investment Amount

₹ 99,768.77

Total Returns

₹ 7,448.9

Total Receivable

₹ 1,07,217.67

Cashflow Timeline

Similar Bonds

FAQs about IIFL SAMASTA bonds

How to buy this IIFL SAMASTA bond online?

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

10.646% is the current yield of this IIFL SAMASTA 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 IIFL SAMASTA bond is 10.646%, 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 IIFL SAMASTA bond?

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

Is this IIFL SAMASTA bond tax-free?

No, this IIFL SAMASTA 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 IIFL SAMASTA bond before the maturity date?

Yes, it is possible to sell this IIFL SAMASTA 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 for Early Sell Option

Timeline

Total Receivable*

Net Receivable**

2026

₹ 4,838.22

₹ 4,354.4

	12 Sep	Interest ₹ 2,432.33	Interest ₹ 2,189.1
	12 Dec	Interest ₹ 2,405.89	Interest ₹ 2,165.3

2027

₹ 1,02,379.45

₹ 1,02,141.51

* The interest amount is paid as per total invested face value (₹ 100000) and annual coupon rate of 9.65%.

** 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

IIFL SAMASTA

Credit Rating / Outlook

Other Important Details & Disclosures

Taxation

Similar Bonds

FAQs about IIFL SAMASTA bonds

How to buy this IIFL SAMASTA bond online?

What is the yield of this IIFL SAMASTA bond?

Is it safe to invest in bonds?

How to redeem this IIFL SAMASTA bond?

Is this IIFL SAMASTA bond tax-free?

Can I sell this IIFL SAMASTA bond before the maturity date?

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Note to Investors

Filling complaints on SMARTODR & SCORES - Easy & Quick

Cashflow Timeline for Early Sell Option