CREDILA FINANCIAL SERVICES LIMITED Coupon 8.15% | NBFC Retail Bond

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Returns (YTM)

N/A

Min. Investment

N/A

Remaining Tenure

7Y 11Days

Payment Terms

Yearly

Highlights

Credit Rating

CARE AA/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

Company Financials

Revenue

PAT

Debt

Net Worth

Important disclaimer

Ratio Analysis

0.03

Net NPA

Good

Benchmark: Lower than 3%

20.45

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

5.06

Debt to Equity Ratio

Good

Benchmark: Maximum 12 times

-0.02

Operating Cash Flow to Debt Ratio

Risky

Benchmark: Higher the ratio better it is.

1.31

Interest Coverage Ratio

Risky

Benchmark: Minimum 2

Important disclaimer

About Issuer

CREDILA FINANCIAL SERVICES LIMITED

Credila, Indias first non-banking financial company (NBFC) specializing in education loans, is a pioneer in offering customised financing solutions for students. With expertise in higher education, both in India and abroad, Credila provides tailor-made loan options to help students achieve their academic aspirations at their dream universities. Since its inception, the company has supported over 178,000 Indian students across 4,600+ universities in 64 countries, making it a preferred choice for education loans.

Total Annual Revenue

Year of Inception

2006

Industry

NBFC Retail

Head Office

MUMBAI

Type of Issuer

Corporate

Current MD/CEO

Mr. Arijit Sanyal

Credit Rating / Outlook

AA STABLE

CARE

Rating Rationale

Rating Date: 29-Apr-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

CREDILA FINANCIAL SERVICES LIMITED

Security Name

8.15% CREDILA FINANCIAL SERVICES LIMITED Secured Rated Listed NCD Maturity 7-Jul-2032

ISIN

Copy

INE539K07221

Face Value

₹ 10,00,000

Coupon Rate

8.15%

Coupon Type

FIXED

Payment Terms

Yearly

Maturity Date

7-Jul-2032

Clean Price

₹ 99.94

Dirty Price

Current Yield

8.1549%

Yield to Maturity

8.1566%

Mode of Issue

Private Placement

Date of Issue

7-Jul-2022

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

IDBI TRUSTEESHIP SERVICES LIMITED

Registrar Details

Adroit Corporate Services Pvt. Limited

19/20, Jaferbhoy Industrial Estate 1st floor, Makawana Road Marol Naka Mumbai 400 059

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: Adroit Corporate Services Pvt. Limited 19/20, Jaferbhoy Industrial Estate 1st floor, Makawana Road Marol Naka Mumbai 400 059

This bond is
currently out of stock

Download Cashflow

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FAQs about CREDILA FINANCIAL SERVICES LIMITED bonds

How to buy this CREDILA FINANCIAL SERVICES LIMITED bond online?

You can invest in bonds online in under 5 minutes. To buy CREDILA FINANCIAL SERVICES LIMITED bond online follow the steps below:

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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 CREDILA FINANCIAL SERVICES LIMITED bond?

8.1566% is the current yield of this CREDILA FINANCIAL SERVICES 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 CREDILA FINANCIAL SERVICES LIMITED bond is 8.1566%, 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 CREDILA FINANCIAL SERVICES LIMITED bond?

To redeem this CREDILA FINANCIAL SERVICES 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 CREDILA FINANCIAL SERVICES LIMITED bond is generally simple and straightforward. Contact our support team for more information.

Is this CREDILA FINANCIAL SERVICES LIMITED bond tax-free?

No, this CREDILA FINANCIAL SERVICES 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 CREDILA FINANCIAL SERVICES LIMITED bond before the maturity date?

Yes, it is possible to sell this CREDILA FINANCIAL SERVICES 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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The information shown on the website should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products/services of GSPL or any product/services of its third-party client(s). The user should act and rely on the information/data shown on the website only after understanding all associated risk parameters. Any action/decision taken by the user on the basis of the information shown on this website shall be the sole responsibility of the user. Neither GSPL nor its directors, employees, associates, representatives, or agents shall be liable for any damages whether direct, indirect, special, or consequential including lost revenue or lost profits that may arise to the user from or in connection with the use of the information/data shown on this website.

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Fixed Deposits are offered in the capacity of a distributor and all disputes with respect to distribution activity, would not have access to exchange investor redressal forum or arbitration mechanism.

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Highlights

Company Financials

Ratio Analysis

About Issuer

CREDILA FINANCIAL SERVICES LIMITED

Credit Rating / Outlook

Other Important Details & Disclosures

Taxation

How to buy this CREDILA FINANCIAL SERVICES LIMITED bond online?

What is the yield of this CREDILA FINANCIAL SERVICES LIMITED bond?

Is it safe to invest in bonds?

How to redeem this CREDILA FINANCIAL SERVICES LIMITED bond?

Is this CREDILA FINANCIAL SERVICES LIMITED bond tax-free?

Can I sell this CREDILA FINANCIAL SERVICES LIMITED bond before the maturity date?

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