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The rating agency for this Bond is ICRA Limited.
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Oxyzo Financial Services Mar '27
₹47,786.32YTM
9.65%Tenure left
9 monthsInterest payout
MonthlyPrincipal payout
MonthlyBonds details
Minimum investment₹47,786.32
Date of maturity27 Mar 2027
ISININE04VS07388
Bond typeSenior Secured
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About
Oxyzo Financial Services Limited is a Gurgaon-based NBFC that began lending operations in November 2017. The company primarily offers secured and unsecured purchase finance loans to small and medium enterprises (SMEs) to help them fund raw material acquisitions for their core business operations. As of September 30, 2024, its standalone loan book reached approximately Rs. 6,850 crore, consisting of business loans (56%) and purchase financing (44%). Oxyzo is a majority-owned subsidiary of OFB Tech Private Limited (OfBusiness Group), which holds a 70% stake and provides significant financial and operational support.;
Pros and Cons
Pros
Cons
The company maintains strong capitalization with a capital adequacy ratio (CRAR) of 37.7% and a prudent managed gearing level.
It demonstrates healthy profitability, reporting a profit after tax of Rs. 167 crore and a return on assets of 4.4% for H1 FY2025.
Asset quality remains well-controlled with gross and net stage 3 assets at 1.1% and 0.5%, respectively, as of September 2024.
The funding profile is diversified across more than 40 lenders, with bank borrowings increasingly making up approximately 82% of the mix.
The company benefits from significant operational synergies, management systems, and a broad SME network provided by its parent, OFB Tech.
Other details
Clean price₹47,722.70
Dirty price₹47,786.30
Current yield9.73%
Security cover1.1X of POS
Issue size1.00Cr
Original bond tenure24 months
TrusteeIDBI Trusteeship Services Limited
Mode of issueNCD
Listed onNSE
Listing date27 Mar 2025
Maturity date27 Mar 2027
Coupon rate9.75%
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