ADITYA BIRLA CAPITAL LIMITED Coupon 8.1% | 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

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Returns (YTM)

N/A

Min. Investment

N/A

Remaining Tenure

8Y 1M 6Days

Payment Terms

Yearly

Highlights

Credit Rating

ICRA AAA/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

Stable Capitalization: Capital adequacy ratio (CRAR) of ~22% (FY24), well above regulatory requirements.

Parental Support: Backed by Aditya Birla Group, ensuring strong brand trust and access to funding.

Healthy Asset Quality: Gross NPA at ~2.5% (FY24), lower than industry average for NBFCs.

Strong Liquidity Coverage: Liquidity buffer of ~₹12,000 Cr (FY24), covering short-term obligations.

Diversified Financial Services Portfolio: Strong presence in NBFC, asset management, insurance, and housing finance (AUM over ₹3.5 lakh crore as of March 2025).

Company Financials

Revenue

PAT

Debt

Net Worth

Important disclaimer

About Issuer

ADITYA BIRLA CAPITAL LIMITED

Aditya Birla Capital Limited (ABCL) is a prominent non-banking financial services company and the holding entity for the financial businesses of the Aditya Birla Group. As a systemically important NBFC, ABCL operates across key segments including lending, asset management, insurance, and digital finance. With over 1,600 branches, a workforce of 60,000+, and a distribution network of more than 2 lakh agents and partners, ABCL maintains a strong national presence. As of 2024, the company manages assets worth ?5.11 lakh crore, supported by a consolidated lending book of ?1.57 lakh crore.

Total Annual Revenue

Year of Inception

1991

Industry

NBFC Retail

Head Office

VERAVAL

Type of Issuer

Corporate

Current MD/CEO

Ms. Vishakha Mulye

Credit Rating / Outlook

AAA STABLE

ICRA

Rating Rationale

Rating Date: 08-Apr-2025

AAA STABLE

IND

Rating Rationale

Rating Date: 08-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 AAA credit rating are considered to have the highest degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry lowest 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

ADITYA BIRLA CAPITAL LIMITED

Security Name

8.1% ADITYA BIRLA CAPITAL LIMITED Secured Rated Listed NCD Maturity 9-Oct-2033

ISIN

Copy

INE860H07IS6

Face Value

₹ 1,000

Coupon Rate

8.1%

Coupon Type

FIXED

Payment Terms

Yearly

Maturity Date

9-Oct-2033

Clean Price

₹ 103.69

Dirty Price

Current Yield

7.8118%

Yield to Maturity

7.4668%

Mode of Issue

Public Placement

Date of Issue

9-Oct-2023

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

Vistra ITCL (India) Limited

The IL&FS Financial Centre, Plot C-22 G-Block, Bandra Kurla Complex Bandra (E), Mumbai 400051

Registrar Details

Link Intime India Private Limited

C-101, 1st Floor, 247 Park, LBS Marg, Vikhroli (West), Mumbai 400 083, Maharashtra

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 C-101, 1st Floor, 247 Park, LBS Marg, Vikhroli (West), Mumbai 400 083, Maharashtra

This bond is
currently out of stock

Download Cashflow

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ADITYA BIRLA CAPITAL LIMITED

Min Investment

₹10.34 L

Returns

7.92%

Payout

Yearly

Credit Rating

AAA/CRISIL

ADITYA BIRLA CAPITAL LIMITED

Min Investment

₹10.17 L

Returns

7.49%

Payout

Yearly

Credit Rating

AAA/CRISIL

FAQs about ADITYA BIRLA CAPITAL LIMITED bonds

How to buy this ADITYA BIRLA CAPITAL LIMITED bond online?

You can invest in bonds online in under 5 minutes. To buy ADITYA BIRLA CAPITAL LIMITED bond online follow the steps below:

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What is the yield of this ADITYA BIRLA CAPITAL LIMITED bond?

7.4668% is the current yield of this ADITYA BIRLA CAPITAL 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 ADITYA BIRLA CAPITAL LIMITED bond is 7.4668%, 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 ADITYA BIRLA CAPITAL LIMITED bond?

To redeem this ADITYA BIRLA CAPITAL 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 ADITYA BIRLA CAPITAL LIMITED bond is generally simple and straightforward. Contact our support team for more information.

Is this ADITYA BIRLA CAPITAL LIMITED bond tax-free?

No, this ADITYA BIRLA CAPITAL 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 ADITYA BIRLA CAPITAL LIMITED bond before the maturity date?

Yes, it is possible to sell this ADITYA BIRLA CAPITAL 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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Highlights

Company Financials

About Issuer

ADITYA BIRLA CAPITAL LIMITED

Credit Rating / Outlook

Other Important Details & Disclosures

Taxation

How to buy this ADITYA BIRLA CAPITAL LIMITED bond online?

What is the yield of this ADITYA BIRLA CAPITAL LIMITED bond?

Is it safe to invest in bonds?

How to redeem this ADITYA BIRLA CAPITAL LIMITED bond?

Is this ADITYA BIRLA CAPITAL LIMITED bond tax-free?

Can I sell this ADITYA BIRLA CAPITAL LIMITED bond before the maturity date?

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