Rating
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The rating agency for this Bond is CRISIL.
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IFL Finance Jan '28
₹8,819.96YTM
12.60%Tenure left
19 monthsInterest payout
MonthlyPrincipal payout
QuarterlyBonds details
Minimum investment₹8,819.96
Date of maturity16 Jan 2028
ISININE01XO07025
Bond typeSenior Secured
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About
IFL Finance Limited (formerly IFL Housing Finance Limited) is a Delhi-based Non-Banking Financial Company (NBFC) that commenced operations in January 2018. Originally licensed as a housing finance company, it transitioned to an NBFC in June 2025 and has since realigned its strategy to focus predominantly on gold loans while gradually winding down its home loan and loans against property (LAP) portfolios. Led by founder and CEO Mr. Gopal Bansal, the company primarily serves low-to-middle-income borrowers in the Delhi/NCR and Haryana regions for gold loans, and previously targeted similar demographics in Rajasthan and Madhya Pradesh for housing finance.;
Pros and Cons
Pros
Cons
The company's Return on Managed Assets (RoMA) improved to 5.5% in fiscal 2025, supported by healthy net interest margins and improving operating efficiency.
Capitalization is supported by a tangible net worth of Rs 170 crore and a high capital adequacy ratio of 54.1% as of September 30, 2025.
The company maintains a conservative capital structure with a modest leverage of 1.4 times as of September 30, 2025.
The leadership team, headed by a first-generation entrepreneur with 19 years of finance experience, is supported by a gold loan workforce with relevant prior industry expertise.
IFL reported a low overall Gross Non-Performing Assets (GNPA) ratio of 0.7% as of September 30, 2025.
Other details
Clean price₹8,772.97
Dirty price₹8,819.96
Current yield12.22%
Security cover1.10X of POS
Issue size1.00Cr
Original bond tenure24 months
TrusteeCatalyst Trusteeship Limited (Formerly GDA Trusteeship Limited)
Mode of issueNCD
Listed onNSE
Listing date16 Jan 2026
Maturity date16 Jan 2028
Coupon rate12.25%
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