EDELWEISS HOUSING FINANCE LIMITED Coupon 11.25% | NBFC Housing Bond

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

Earn 11.27% p.a

Invest Now

Exclusive Webinar with CEO's on 'Gold Loan Backed NCDs Explained'

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 4M

Payment Terms

Yearly

Highlights

Credit Rating

CARE A/STABLE

Seniority

SUBORDINATE

Security

Unsecured TIER II

Default History

Zero

Group backing: Part of Edelweiss Group with ₹5,850 Cr net worth (Mar 2024)

Diversified AUM: ₹3,962 Cr (Mar 2024) across housing loans (64%), LAP (28%), and construction finance (8%)

Improved asset quality: Gross NPA reduced to 1.69% (Mar 2024) from 1.91% (Mar 2023)

Strong capital buffers: CRAR at 39.05% (Mar 2024), up from 32.06% (Mar 2023)

Group liquidity: ₹4,568 Cr liquidity (Dec 2024) vs. ₹4,200 Cr debt maturing in next 12 months

Company Financials

Revenue

PAT

Debt

Net Worth

Important disclaimer

Ratio Analysis

1.19

Net NPA

Good

Benchmark: Lower than 3%

39.05

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

2.2

Operating Cash Flow to Equity Ratio

Good

Benchmark: Maximum 12 times

1.06

Interest Coverage Ratio

Risky

Benchmark: Minimum 2

Important disclaimer

About Issuer

EDELWEISS HOUSING FINANCE LIMITED

Edelweiss Housing Finance Limited, a subsidiary of the Edelweiss Group, is a Housing Finance Company that has been providing customers with credit for a variety of loans since 2010.

Edelweiss Housing Finance Ltd. is a leading housing finance company that offers appealing Home Loans and Loan against Property (LAP) to customers of all income levels. The company aspires to be a catalyst in realising the dreams of its customers, both self-employed and salaried, of owning a home and creating wealth. The company has customers from over 800 talukas in India.

Products

Loans against Property(LAP)

Home Improvement Loans

Plot + Self-Construction Loans

Total Annual Revenue

149.25 Cr (FY 21)

Year of Inception

2008

Industry

NBFC Housing

Head Office

Mumbai

Type of Issuer

Corporate

Current MD/CEO

Mr. Rajat Avasthi

Credit Rating / Outlook

A+ NEGATIVE

CARE

A+ STABLE

ICRA

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 A credit rating are considered to have an adequate degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry 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

EDELWEISS HOUSING FINANCE LIMITED

Security Name

ISIN

Copy

INE530L08010

Face Value

₹ 10,00,000

Coupon Rate

11.25%

Coupon Type

FIXED

Payment Terms

Yearly

Maturity Date

3-May-2025

Clean Price

₹ 100.22

Dirty Price

Current Yield

Mode of Issue

Private Placement

Date of Issue

4-Feb-2015

Listed

Yes

Instrument Type

Taxable

Security

Unsecured

Seniority

SUBORDINATE

Perpetual

Tier level

Trustee Details

Registrar Details

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: NA

This bond is
currently out of stock

Download Cashflow

Similar Bonds

Bonds by Same Issuer

NIDO HOME FINANCE LIMITED

Min Investment

₹ 98,485.33

Returns

10.48%

Payout

Monthly

Credit Rating

A+/CRISIL

FAQs about EDELWEISS HOUSING FINANCE LIMITED bonds

How to buy this EDELWEISS HOUSING FINANCE LIMITED bond online?

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

11.156% is the current yield of this EDELWEISS 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 EDELWEISS HOUSING FINANCE LIMITED bond is 11.156%, 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 EDELWEISS HOUSING FINANCE LIMITED bond?

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

Is this EDELWEISS HOUSING FINANCE LIMITED bond tax-free?

No, this EDELWEISS 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 EDELWEISS HOUSING FINANCE LIMITED bond before the maturity date?

Yes, it is possible to sell this EDELWEISS 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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Talk to our Support Team for free. We will help you through your investment journey.

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Highlights

Company Financials

Ratio Analysis

About Issuer

EDELWEISS HOUSING FINANCE LIMITED

Credit Rating / Outlook

Other Important Details & Disclosures

Taxation

How to buy this EDELWEISS HOUSING FINANCE LIMITED bond online?

What is the yield of this EDELWEISS HOUSING FINANCE LIMITED bond?

Is it safe to invest in bonds?

How to redeem this EDELWEISS HOUSING FINANCE LIMITED bond?

Is this EDELWEISS HOUSING FINANCE LIMITED bond tax-free?

Can I sell this EDELWEISS HOUSING FINANCE LIMITED bond before the maturity date?

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