IIFL HOME FINANCE LIMITED Coupon 10% | NBFC Retail Bond

Invest in ongoing NCD IPOs & earn up to 10.5% p.a.

Min. Investment ₹10,000

Invest in ongoing NCD IPOs & earn up to 10.5% p.a.

Min. Investment ₹10,000

Invest in ongoing NCD IPOs & earn up to 10.5% p.a.

Min. Investment ₹10,000

Invest in ongoing NCD IPOs & earn up to 10.5% p.a.

Min. Investment ₹10,000

Invest in ongoing NCD IPOs & earn up to 10.5% p.a.

Min. Investment ₹10,000

Search for bonds, FD or IPO

Returns (YTM)

9.81%

Min. Investment

₹ 2,03,027.4

Remaining Tenure

3Y 1M 29Days

Payment Terms

Yearly

Highlights

Credit Rating

CRISIL AA/STABLE

Seniority

SUBORDINATE

Security

Unsecured TIER II

Default History

Zero

Strong AUM Growth: Assets Under Management (AUM) at ₹28,450 crore (9M FY25), up 18% YoY.

Healthy Asset Quality: Gross NPA at 1.9% (9M FY25), better than industry average.

Diversified Portfolio: Mix of home loans (65%), LAP (30%), and construction finance (5%).

Parent Support: Backed by IIFL Group (₹12,000+ crore net worth)

Company Financials

Revenue

PAT

Debt

Net Worth

Important disclaimer

Ratio Analysis

1.09

Net NPA

Good

Benchmark: Lower than 3%

42.84

Capital Adequacy ratio

Good

Benchmark: Minimum 14%

2.67

Debt to Equity ratio

Good

Benchmark: Maximum 12 times

1.77

Interest Coverage ratio

Risky

Benchmark: Minimum 2

Important disclaimer

About Issuer

IIFL HOME FINANCE LIMITED

IIFL Home Finance Limited is a Housing Finance Company registered with National Housing Bank. The company is offering financial products like mortgage loans to retail and corporate customers. It provides Housing Loans and Loans Against property.

IIFL Home Finance Limited was incorporated in the year 2009. It is a wholly-owned subsidiary of IIFL Finance Limited. The company is headquartered in Gurgaon.

It has established 127 branches and 2377 touchpoints in the country. IIFL Home Finance Limited has employed more than 2000 people. Mr.Monu Ratra is the Chief Executive Officer at IIFL Home Finance Limited.

Total Annual Revenue

3293.59 Cr (FY - 2024)

Year of Inception

2009

Industry

NBFC Retail

Head Office

MUMBAI

Type of Issuer

Corporate

Current MD/CEO

Mr. Monu Ratra

Credit Rating / Outlook

AA STABLE

CRISIL

Rating Rationale

Rating Date: 19-Feb-2025

AA+ STABLE

BWR

Rating Rationale

Rating Date: 19-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 HOME FINANCE LIMITED

Security Name

10% IIFL HOME FINANCE LIMITED UnSecured Rated Listed NCD Maturity 3-Nov-2028

ISIN

Copy

INE477L08147

Face Value

₹ 1,000

Coupon Rate

10%

Coupon Type

FIXED

Payment Terms

Yearly

Maturity Date

3-Nov-2028

Clean Price

₹ 100.5

Dirty Price

₹ 101.51

Current Yield

9.9502%

Yield to Maturity

9.8066%

Mode of Issue

Public Placement

Date of Issue

3-Aug-2021

Listed

Yes

Instrument Type

Taxable

Security

Unsecured

Seniority

SUBORDINATE

Perpetual

Tier level

Trustee Details

Catalyst Trusteeship Limited (Formerly GDA Trusteeship Limited)

Registrar Details

Link Intime India Private Limited,Mumbai

C-13, Pannalal Silk Mills Compound LBS Marg Bhandup (W)Mumbai 400 078

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 400 078

Units

Investment Amount

₹ 2,03,027.4

Total Returns

₹ 61,999.92

Total Receivable

₹ 2,65,027.32

Cashflow Timeline

Similar Bonds

Bonds by Same Issuer

IIFL HOME FINANCE LIMITED

Min Investment

₹ 3,01,019.19

Returns

8.38%

Payout

Monthly

Credit Rating

AA/CRISIL

IIFL HOME FINANCE LIMITED

Min Investment

₹ 2,99,264.31

Returns

8.92%

Payout

Monthly

Credit Rating

AA/CRISIL

FAQs about IIFL HOME FINANCE LIMITED bonds

How to buy this IIFL HOME FINANCE LIMITED bond online?

You can invest in bonds online in under 5 minutes. To buy IIFL HOME FINANCE LIMITED 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 HOME FINANCE LIMITED bond?

9.8066% is the current yield of this IIFL HOME 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 IIFL HOME FINANCE LIMITED bond is 9.8066%, 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 HOME FINANCE LIMITED bond?

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

Is this IIFL HOME FINANCE LIMITED bond tax-free?

No, this IIFL HOME 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 IIFL HOME FINANCE LIMITED bond before the maturity date?

Yes, it is possible to sell this IIFL HOME 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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Cashflow Timeline

Timeline	Total Receivable*	Net Receivable**
03 Aug , 2026	Interest ₹ 20,000	Interest ₹ 18,000
03 Aug , 2027	Interest ₹ 20,000	Interest ₹ 18,000
03 Aug , 2028	Interest ₹ 20,000	Interest ₹ 18,000

* The interest amount is paid as per total invested face value (₹ 1000) and annual coupon rate of 10%.

** 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 HOME FINANCE LIMITED

Credit Rating / Outlook

Other Important Details & Disclosures

Taxation

How to buy this IIFL HOME FINANCE LIMITED bond online?

What is the yield of this IIFL HOME FINANCE LIMITED bond?

Is it safe to invest in bonds?

How to redeem this IIFL HOME FINANCE LIMITED bond?

Is this IIFL HOME FINANCE LIMITED bond tax-free?

Can I sell this IIFL HOME FINANCE LIMITED bond before the maturity date?

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Note to Investors

Filling complaints on SMARTODR & SCORES - Easy & Quick

Cashflow Timeline