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Krazybee Services Mar '27
₹1,02,267.82YTM
10.75%Tenure left
9 monthsInterest payout
QuarterlyPrincipal payout
StructuredBonds details
Minimum investment₹1,02,267.82
Date of maturity16 Mar 2027
ISININE07HK07841
Bond typeSenior Secured
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About
KrazyBee Services Limited is a systemically important, non-deposit-taking NBFC that commenced operations in fiscal 2017. The company primarily provides unsecured personal loans to young professionals in India and has started diversifying its offerings to include business loans and loans against property. It operates through a fully automated digital lending model using the "KreditBee" mobile application, which is owned by its group company, Finnovation Technology Solutions Pvt Ltd. KrazyBee is backed by strong private equity investors and financial institutions, including Premji Invest, Advent International, TPG NewQuest Capital, and MUFG Bank.;
Pros and Cons
Pros
Cons
The group maintains healthy capitalisation metrics, supported by a strong consolidated net worth of Rs 3,351 crore and a comfortable gearing of 1.2 times as of June 30, 2025.
The company utilizes a highly scalable business model driven by a robust technology platform that handles end-to-end integration for loan origination, risk assessment, and collections.
There has been a significant scale-up in the loan portfolio, with disbursements growing at a three-year compound annual growth rate of approximately 62% to reach Rs 24,647 crore in fiscal 2025.
The group maintains a healthy earnings profile, reporting a profit after tax of Rs 121 crore and an annualized return on managed assets (RoMA) of 4.2% for the first quarter of fiscal 2026.
The company has successfully shifted its focus to better credit profiles, with over 90% of its disbursements since April 2022 going to borrowers with a CIBIL score greater than 700.
Other details
Clean price₹1,00,063.28
Dirty price₹1,02,267.80
Current yield10.44%
Security cover1.10X of POS
Issue size1.00Cr
Original bond tenure18 months
TrusteeVardhaman Trusteeship Private Limited
Mode of issueNCD
Listed onNSE
Listing date16 Sep 2025
Maturity date16 Mar 2027
Coupon rate10.45%
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