NEOGROWTH CREDIT PRIVATE LIMITED

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INE814O07618 is Out of Stock

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INE814O07618 - Bond Details

Returns

N/A

Min. Investment

N/A

Remaining Tenure

1Y 3M 29Days

Payment Terms

Quarterly

Highlights

Credit Rating

ICRA BBB/NEGATIVE

Seniority

SENIOR

Security

Secured

Default History

Zero

Marquee Equity Investors : The company is backed by marquee investors including Omidyar Network, Lightrock, Khosla Impact Fund, Quona Capital, IIFL Venture Funds, and Leap Frog Investments.

Strong Promoters & Management : NeoG is led by founders Piyush and Dhruv Khaitan, who bring over two decades of industry experience and have successfully built Venture Infotek.

Company Financials

AUM

Net Worth

PAT

Cash & Cash Eq.

Important disclaimer

Ratio Analysis

2.27

Net NPA

Good

Benchmark: Lower than 3%

29.11

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

2.78

Debt to Equity Ratio

Good

Benchmark: Lower than 6 times

Important disclaimer

About Issuer

NeoGrowth Credit Private Limited (“NeoG”) was incorporated in 2013 is an ICRA BBB rated company. It is a non-deposit taking systemically important non-banking financial company (NBFC).

NeoG is a pioneer in SME lending based on the underwriting of digital payments data. They provide finance to small business owners.

The company was founded by Mr. Dhruv Khaitan and Mr. Piyush Khaitan, and its investors include ON Mauritius, Aspada Investment Advisors, Khosla Impact Fund, Frontier Investments Group (Accion), Trinity Inclusion Ltd. (Leapfrog).

Total Annual Revenue

589.85 Cr (FY26)

Year of Inception

2013

Industry

NBFC Corporate

Head Office

MUMBAI

Type of Issuer

Corporate

Current MD/CEO

Mr. Arun Kumar Nayyar

Credit Rating / Outlook

BBB NEGATIVE

ICRA

Rating Rationale

Rating Date: 17-Nov-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 BBB credit rating are considered to have a moderate to low degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry moderate to high credit risk, hence it is suitable for investors with high risk tolerance.
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

NEOGROWTH CREDIT PRIVATE LIMITED

Security Name

12.15% NEOGROWTH CREDIT PRIVATE LIMITED Secured Rated Listed NCD Maturity 18-Dec-2027

ISIN

Copy

INE814O07618

Face Value

₹ 1,00,000

Issued FV

₹ 1,00,000

Coupon Rate

12.15%

Coupon Type

FIXED

Payment Terms

Quarterly

Maturity Date

18-Dec-2027

Clean Price

₹ 99.5

Dirty Price

Current Yield

12.2111%

Yield to Maturity

13.4%

Mode of Issue

Private Placement

Date of Issue

18-Jun-2026

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

Catalyst Trusteeship Limited (Formerly GDA Trusteeship Limited)

GDA House, First Floor,Plot No. 85, Bhusari Colony, (Right), Paud Road, Kothrud, Pune,Maharashtra - 411038,India

Registrar Details

KFIN TECHNOLOGIES PRIVATE LIMITED

Plot No. 17-24, Vittal rao Nagar,, Madhapur,, Hyderabad - 500 081

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: KFIN TECHNOLOGIES PRIVATE LIMITED Plot No. 17-24, Vittal rao Nagar,, Madhapur,, Hyderabad - 500 081

This bond is
currently out of stock

Download Cashflow

FAQs about NEOGROWTH bonds

How to buy this NEOGROWTH bond online?

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What is the yield of this NEOGROWTH bond?

undefined% is the current yield of this NEOGROWTH 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 NEOGROWTH bond is undefined%, 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 NEOGROWTH bond?

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

Is this NEOGROWTH bond tax-free?

No, this NEOGROWTH 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 NEOGROWTH bond before the maturity date?

Yes, it is possible to sell this NEOGROWTH 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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Risk Disclosure & Regulatory Information

Fixed returns do not mean guaranteed or assured returns. Investments in corporate debt securities, municipal debt securities, and securitised debt instruments carry credit risk, market risk, and default risk, including delay or default in payment. Please read all offer-related documents carefully before you invest.

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