JM FINANCIAL CREDIT SOLUTIONS LIMITED

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Search for bonds, FD or IPO

Returns (YTM)

9.02%

Min. Investment

₹ 3,18,614.37

Remaining Tenure

2Y 6M 9Days

Payment Terms

Yearly

Highlights

Credit Rating

ICRA AA/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

About Issuer

JM Financial Credit Solutions Limited was incorporated in 1980 as a provider of wholesale credit to developers at various stages in the life cycle of a real estate project. The company offers real estate funding solutions, such as loan against ready property, construction funding, lending towards land acquisition, and structured deals against residential projects that are located in Mumbai, Pune, Bengaluru, Chennai, NCR, Hyderabad, and Kolkata. The company also offers investment banking and securities services; and alternative asset management services, which include managing private equity funds and real estate funds, as well as mutual funds.

Total Annual Revenue

Year of Inception

1980

Industry

NBFC Retail

Head Office

PRABHADEVI

Type of Issuer

Corporate

Current MD/CEO

Mr. Adi Rusi Patel

Credit Rating / Outlook

AA STABLE

ICRA

Rating Rationale

Rating Date: 03-Jan-2025

AA STABLE

IND

Rating Rationale

Rating Date: 15-Sep-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

JM FINANCIAL CREDIT SOLUTIONS LIMITED

Security Name

9.75% JM FINANCIAL CREDIT SOLUTIONS LIMITED Secured Rated Listed NCD Maturity 7-Jun-2028

ISIN

Copy

INE651J07622

Face Value

₹ 1,000

Coupon Rate

9.75%

Coupon Type

FIXED

Payment Terms

Yearly

Maturity Date

7-Jun-2028

Clean Price

₹ 101.45

Dirty Price

₹ 106.2

Current Yield

9.6106%

Yield to Maturity

9.0211%

Mode of Issue

Public Placement

Date of Issue

7-Jun-2018

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

IDBI Trusteeship Services Limited

Asian Building, Ground Floor, 17 R. Kamani Marg, Ballard Estate,Mumbai-400001,Maharashtra

Registrar Details

KFIN TECHNOLOGIES PRIVATE LIMITED

Plot No. 17-24, Vittal rao Nagar,Madhapur,Hyderabad, 500081

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: KFIN TECHNOLOGIES PRIVATE LIMITED Plot No. 17-24, Vittal rao Nagar,Madhapur,Hyderabad, 500081

Units

Investment Amount

₹ 3,18,614.37

Total Returns

₹ 69,135.63

Total Receivable

₹ 3,87,750

Cashflow Timeline

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FAQs about JM FINANCIAL CREDIT SOLUTIONS LIMITED bonds

How to buy this JM FINANCIAL CREDIT SOLUTIONS LIMITED bond online?

You can invest in bonds online in under 5 minutes. To buy JM FINANCIAL CREDIT SOLUTIONS 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 JM FINANCIAL CREDIT SOLUTIONS LIMITED bond?

9.0211% is the current yield of this JM FINANCIAL CREDIT SOLUTIONS 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 JM FINANCIAL CREDIT SOLUTIONS LIMITED bond is 9.0211%, 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 JM FINANCIAL CREDIT SOLUTIONS LIMITED bond?

To redeem this JM FINANCIAL CREDIT SOLUTIONS 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 JM FINANCIAL CREDIT SOLUTIONS LIMITED bond is generally simple and straightforward. Contact our support team for more information.

Is this JM FINANCIAL CREDIT SOLUTIONS LIMITED bond tax-free?

No, this JM FINANCIAL CREDIT SOLUTIONS 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 JM FINANCIAL CREDIT SOLUTIONS LIMITED bond before the maturity date?

Yes, it is possible to sell this JM FINANCIAL CREDIT SOLUTIONS 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

Need Help?

Talk to our Support Team for free. We will help you through your investment journey.

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Cashflow Timeline

Timeline	Total Receivable*	Net Receivable**
07 Jun , 2026	Interest ₹ 29,250	Interest ₹ 26,325
07 Jun , 2027	Interest ₹ 29,250	Interest ₹ 26,325
07 Jun , 2028	Interest ₹ 29,250 + ₹ 3,00,000 (100% of Principal)	Interest ₹ 26,325 + ₹ 3,00,000 (100% of Principal)

* The interest amount is paid as per total invested face value (₹ 300000) and annual coupon rate of 9.75%.

** 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

About Issuer