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The rating agency for this Bond is CRISIL.
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Oxyzo Financial Services Dec '27
₹1,01,664.24YTM
9.90%Tenure left
16 monthsInterest payout
QuarterlyPrincipal payout
MaturityBond details
Minimum investment₹1,01,664.24
Date of maturity24 Dec 2027
ISININE04VS07479
Bond typeSenior Secured
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About
Oxyzo Financial Services Limited (formerly Oxyzo Financial Services Private Limited) is a Gurgaon-based Non-Banking Financial Company (NBFC) that commenced its lending operations in November 2017. The company functions as the financial services lending arm of its parent group, OFB Tech Private Limited (OFB), which holds a majority stake of 70% in the company as of June 30, 2025. Oxyzo primarily extends secured and unsecured term loans as well as working capital loans to small and medium enterprises (MSMEs) to finance their core business requirements. As of June 30, 2025, the company's standalone loan portfolio stood at approximately Rs. 8,060 crore, balanced between business loans (66%) and working capital loans (34%).;
Pros and Cons
Pros
Cons
The company maintains a comfortable capitalization profile, supported by a net worth of Rs. 3,012 crore, a capital adequacy ratio (CRAR) of 36.5%, and a conservative managed gearing of 1.9x as of June 30, 2025.
It demonstrates good asset quality backed by a strong underwriting framework, keeping its gross stage 3 and net stage 3 assets well controlled at 1.0% and 0.4% respectively as of June 30, 2025.
The earnings profile remains healthy, driven by a stable net interest margin (NIM) of 8.3% and a profit after tax (PAT) of Rs. 88 crore registered during Q1 FY2026.
It possesses a strong liquidity position featuring an asset-liability maturity (ALM) profile with positive cumulative mismatches across all time buckets, supported by Rs. 870 crore in cash and liquid investments alongside Rs. 691 crore in unutilized funding lines.
The company benefits significantly from its corporate parentage, receiving financial and operational support from OFB while leveraging operational synergies and SME touchpoints through the group's broader ecosystem.
Other details
Clean price₹1,00,344.60
Dirty price₹1,01,664.20
Current yield9.80%
Security cover1.10X of POS
Issue size1.00Cr
Original bond tenure24 months
TrusteeIDBI Trusteeship Services Limited
Mode of issueNCD
Listed onNSE
Listing date24 Dec 2025
Coupon rate9.83%
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